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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?

Choosing Auto Insurance Based on a Fancy Commercial

On Twitter, it sometimes seems like all anyone can talk about is the latest spate of insurance commercials and man, with all the choices out there it’s an endless conversation. Progressive has its Flo commercials, Allstate has the funny mayhem spots, and Geico – the most multiple personalitied of all insurance companies – has the cavemen, the Twilight Zone spoofs, the gecko and the cartoon movies.

Some of these commercials are very funny. My personal favorites are the mayhem commercials, which have a sardonic twist that always makes me laugh. And while you might have your own personal favorite auto insurance commercial, it is important that you not pick an auto insurance policy based on the commercial that the insurance company puts out there.

It’s nice that ad agencies and marketing departments are trying to develop advertising materials that inform and entertain, but that doesn’t mean that the insurance policies offered by one company producing great commercials are a better choice for you than another company that isn’t. So rather than make your choice based on commercials, compare the costs of all auto insurance companies before you buy a policy. Check on the rates and compare the coverage options you get with each rate. Be sure to make sure you have chosen comparable limits and deductibles when you compare rates, and look to see if the deductibles and limits are reasonable for the claims expenses you are likely to endure. You should also take a moment to look at the AM best ratings of each insurer before you choose in order to see if one is more financially stable than another.

Enjoying a commercial is one thing; buying insurance is another. Don’t confuse the laugh out loud talent of some commercial writers with a representation of quality in an insurance company.


Bracing for Increasing Healthcare Premiums

The new healthcare reform bill may have had an unintended side effect. Because the new laws allow children to stay on their parent’s insurance plans longer, allows people with pre-existing conditions to get coverage (starting in 2014), allows children with pre-existing conditions to get coverage now, and allows some people to avoid the system altogether and take advantage of Medicare, insurance companies are complaining that they need to raise rates in order to cover the additional costs and possible lost premiums.


Saving Money on Life Insurance Coverage

Cheap life insurance is one of the primary goals of most consumers. From newlyweds to new grads, newly retired individuals to working professionals-no matter what stage of life you are in chances are good that you want cheap life insurance.


Choosing the Right Auto Insurance Company

When you are searching for auto insurance rates, finding cheap auto insurance often becomes your sole focus. But you need to do some research on the insurance companies you consider doing business with before committing to the first cheap auto insurance rate you find because if the company insuring your car is not financially sound, they may not be there to pay your claims when you need them. And even if you buy cheap auto insurance from a financially sound company, that doesn’t mean the insurance policy is right for you.


Insurance and the Internet

The Internet has revolutionized the traditional insurance industry which once relied heavily on a large staff and network of agents to sell and service policies. There was a time in the industry when everything depended on paper streams passing through many different hands to achieve results. Now that this is no longer necessary-how does that affect you, the consumer?