Insurance quotes and assistance

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Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

3 Reasons Insurance Can’t Wait

When times are hard financially, there are a lot of fiscal ‘shoulds’ that you put on the backburner. Things like savings, paying off debt and insurance purchases are shifted from the ‘BUY NOW’ column to, ‘BUY LATER’. But insurance purchases aren’t actually now or later options – they are necessary expenditures that you should make now, even if you have to tighten your belt to do so. Here are 3 reasons why.

  1. “You can’t buy a life preserver when you’re drowning”: I can’t take credit for this statement, as another life insurance professional once said this to me when discussing his conversation with a client. And you know what? He’s right. That’s why it’s so important to have insurance now rather than later. You need a policy in place so that when you have an insurable incident, you’re covered. It’s too late to buy insurance once the incident has already occurred.
  2. It’s more expensive to fix a problem than to safeguard against it: monthly insurance premiums may seem like a big bite out of your budget, but it’s a lot cheaper to pay them than it is to pay for the repair costs after a car accident, pay medical bills out of pocket, or pay for the rebuilding of your home.
  3. Rates just keep rising: Whether rates rise because your age and health change or because of the regular annual increases insurance companies inflict – insurance rates go up continually. Getting insurance now can help you lock in rates on certain types of insurance for life, and at least for the policy term for other types.

October 26, 2010

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