Do You Use an Insurance Agency?

Do you think you know everything there is to know about factors affecting auto insurance rates? If your answer is yes, then you are probably paying more than you should because there are many wrong beliefs people hold about these factors. Here are some of the truths you know to lower your rates further: A Low Credit Score May Impact You More Than DUI Both credit score and a driving under the influence (DUI) conviction affect your auto insurance premiums.

Are you looking for ways to save on your car insurance policy? If so, your initial reaction may be to eliminate parts of your coverage to help lower your monthly rates. However, this can be very risky as you are likely to put yourself in a tough financial situation if you are involved in a car accident. So, to help lower the cost of your car insurance policy, you will want to attempt the following:

Many people do not take the time to find out what their auto insurance really covers. While it may cover damage done to your car or another car or even to a piece of property if you are involved in an accident, there are often companies who offer roadside assistance as well. It is important to truly understand roadside assistance offered by an insurance company though. The following guide walks you through the ins and outs of insurance-offered roadside assistance.

If you're in the process of purchasing a commercial insurance policy for your business, there are a number of considerations that you will need to make.  This is especially important if you've never purchased commercial insurance before, because you may be thinking more along the lines of residential insurance, and may not understand that you should choose your business insurance a bit differently.  Use this information to learn more about what you should include in your commercial insurance policy.

It is a frustrating thing to find that your car has been dinged in a parking lot or your windshield is cracked. It is even more frustrating to find out that your insurance will not cover the repairs because your deductible is too high. Here are five things your auto insurance may not cover when you have a low deductible. Windshields A stone falling off the back of a dump truck or debris spinning out from under the tires of the vehicle in front of you at seventy miles an hour can crack your windshield if the stone or debris hits it at just the right angle.

Many financially straining situations can come up that prevent you from being able to make important payments, such as your monthly auto insurance payment. This can result in a lapse of coverage. A lapse is when you stop paying your auto insurance bill or you sell your car without telling your auto insurance company and so you stop making payments. Here's what you should know about having a lapse in auto insurance coverage:

The decision to buy life insurance is common when people get married and start having children. Life insurance works by insuring a person's life. In the unfortunate event that the insured person dies, a "death benefit", which is a sum of money stated in the policy, would be delivered to the beneficiary of choosing, usually the spouse or children of the insured. Life insurance can be used as a valuable tool to protect your family in the event of a death in the family, but it can also be used as an investment tool.

Anyone who has a vehicle knows the importance of having auto insurance. While you might think all auto insurance companies are the same, they aren't. Each insurance company is going to have their own discounts and payment plans. There are different ratings for different companies as well, thus making the decision-making process that much harder. The important thing to remember is that you want to get the absolute best in insurance at the best price possible.