Table of Content1 Understanding Risks2 Determining Approval and Renewal3 Establishing Premiums4 Taking Past Claim History into Account Although most states give insurance providers the ability to use credit report details when determining factors such as monthly or annual rates, many don’t, such as California. Limitations like these don’t cause providers to bypass conducting credit checks, …
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Table of Content1 Determine Who Needs Insurance2 Explore Private Insurance Policy Types3 Know the Primary Types of Commercial Insurance4 Check with Your Insurance Company for Special Circumstances Commercial and private insurance both offer financial protection from property damage and personal injuries that occur due to covered perils. Both companies and individuals are at risk for …
Continue reading “Commercial vs. Private Insurance: Key Differences Explained”
Table of Content1 Ask about a Good Student Discount2 Consider Staying on a Parent’s Policy3 Inquire about Special Long-Distance Rates4 Explore Affiliation Discounts5 Take Safe Driving Courses Students often experience unique financial challenges as they work on their education. High school students may just be starting to learn how to budget for car-related expenses as …
Continue reading “Auto Insurance Discounts for Students: How to Save on Premiums”
Table of Content1 Existing Coverage and Intentional Accidents2 Coverage Limits3 Non-Household Family Members4 State Requirements Drivers may be uninsured or underinsured for the damage they cause. In these situations, it’s best to have uninsured motorist coverage. However, policy terms may differ. Continue reading to learn about the exclusions, limits, and essential details of this type …
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Table of Content1 Mortgage Lender Conditions2 Monthly Flexibility3 Additional Factors4 Advantages of Annual Insurance Payments The primary homeowners insurance payment options are annual and monthly. However, the payment timing can vary based on the type of coverage you have, the provider, your property, and more. It’s best to verify your payment requirements before accepting coverage, …
Continue reading “How Homeowners Insurance Payments Work: Yearly vs. Monthly Options”
Table of Content1 State Requirements2 Higher Premiums3 Expungement4 Ways to Increase Your Options and Lower Premiums Maintaining protection for business finances and assets, protecting employees and drivers, and meeting regulatory and various legal requirements are vital, which is why you need to invest in commercial auto insurance. There are different factors providers look for before …
Continue reading “Getting Commercial Auto Insurance after a DUI: What to Know”
Table of Content1 Understand How Liability Coverage Works2 Find Out if You Already Have Coverage Under a Household Member’s Policy3 Know When You Need Non-Owner Insurance4 Understand Any Potential Exclusions5 Follow Safe Driving Practices in Every Vehicle Maintaining financial responsibility in the event of a car accident is still important for many people who don’t …
Continue reading “Non-Owner Car Insurance: Coverage for Drivers without Vehicles”
Table of Content1 Know the Minimum Liability Insurance Requirements2 Consider Your Auto Loan Lender’s Requirements3 Explore Optional Types of Coverage4 Overcome Potential Affordability Challenges Navigating the world of auto insurance can be confusing, especially if you’re a new driver or have just moved to the state. While insurance requirements can vary significantly from one person …
Continue reading “What Car Insurance Do You Really Need? A Practical Guide for Drivers”
Table of Content1 Lender Requirements2 Policies and Mortgage Payments3 Advantages4 Outright Ownership Purchasing a home comes with many responsibilities, and insuring the property is one of them. However, there are different options available, which can often confuse individuals, especially regarding the distinction between mortgage insurance and homeowners insurance. While both are beneficial, one may not …
Continue reading “Mortgage Insurance vs. Homeowners Insurance: What’s the Difference?”
Table of Content1 Understand How Group Commercial Insurance Works2 Consider the Benefits of Using Group Commercial Insurance3 Pay Attention to the Open Enrollment Period4 Know about the Different Types of Group Commercial Insurance As an employee or business owner, it’s important to know about the types of insurance coverage you might be eligible to purchase. …
Continue reading “A Guide to Group Commercial Insurance for Employees & Business Owners”
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