Insurance: A Guide for the Masses

Don't Have Workers' Compensation Insurance? Why You Should Purchase It Right Away

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If you own your own business, now’s the time to conduct an insurance inventory. If you find that workers’ compensation insurance isn’t included in any of your business policies, you might be at risk for some serious legal problems. If you only have a few employees, you might not think that you need workers’ compensation insurance, but that might not be the case. States vary in their requirements for workers’ compensation coverage. Read More»

Is a Ticket or Accident Causing Your Auto Insurance Premiums to Rise?

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Insurance companies who offer coverage for automobile insurance policies routinely use information from the driving records of their customers to determine the level of risk they may incur when providing coverage. Policyholders who receive traffic tickets or who are found to be at fault in traffic accidents are perceived as being riskier to insure. When the insurance company receives updated information about the traffic ticket or the involvement in a vehicular accident, their response is often to notify the policyholder that their premium policy renewal costs are being increased. Read More»

When Should You Consider Switching To A Pay-By-Mile Motorcycle Insurance Policy?

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If you’re looking for a way to save money on your motorcycle insurance premiums, you should consider switching to pay-by-mile motorcycle insurance. This insurance offers all the same coverage as traditional insurance, but it charges its premiums differently. You’ll pay a low monthly rate to cover non-driving hazards like theft or fires, and then you’ll pay premiums each month based on your motorcycle mileage. This business model makes sense for many insurance carriers; you’re at the greatest risk when you’re on the road, so being on the road less means that you represent less risk to the insurance company. Read More»

Tips For Choosing An Auto Insurance Provider

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In the United States, auto insurance is a legal requirement and a necessity. Given the millions of vehicles involved in road crashes each year, any of the 228 million licensed drivers can be victims. It is, therefore, vital that you seriously consider taking out an auto insurance policy. But how do you know that you have the right auto insurance provider? Here are some things you should consider: Competitive Pricing Competitive pricing isn’t necessarily cheap pricing. Read More»

How to Choose Auto Insurance for Your Needs

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Are you looking for car insurance? There are a lot of different factors that go into choosing the best car insurance policy. You’ll want to make sure it’s affordable, covers your needs, and has good customer service. But how do you know what is right for you? Here are some tips on how to find the auto insurance policy that meets your needs.  Ask About Car Insurance Discounts Offered Understanding how to save money on car insurance will go a long way towards helping car owners find the best deals. Read More»