Archive for July, 2016
Do you have affordable auto insurance? If you feel you’re lagging behind on your car’s coverage it’s time to start looking up your local insurance services, as a vehicle that doesn’t have a back-up plan is going to feel the pain if you get into an accident or have to pay off a speeding ticket. This, of course, extends to owning a home or renting an apartment. When a disaster can strike at any time and leave you financially stranded, insurance is there to help you get back on your feet again in no time. Below is a simple list of the benefits affordable auto insurance and additional insurance services can offer you in your day-to-day.
Why Should I Have Car Insurance?
Affordable auto insurance is a must if you own a vehicle. Buying and maintaining a car is expensive enough without adding speeding tickets, accidents and repairs to the mix! Try not to have gaps in your coverage, either — this is a sign to insurance companies that you’re an at-risk customer, so the more your affordable auto insurance sticks around the better. Private insurers can pay an upwards of 50% of all motor vehicle crash costs, which is no small sum when you could have additional medical bills and court fees to attend to yourself. Even getting a speeding ticket can be mitigated if you maintain a form of affordable auto insurance.
What If I Get A Speeding Ticket?
If you find yourself being charged for a speeding ticket, a good record with your car insurance will do wonders. Each speeding ticket you receive will raise your auto insurance rates, with young people between the ages of 16 and 25 having some of the highest rates around, but good behavior will go a long way. Many affordable auto insurance companies will offer discount rates to drivers who maintain a safe record throughout the year — according to Cars Direct, some insurance companies will give specific discounts to drivers of hybrid vehicles due to ongoing research revealing they are less likely to be in an accident.
What About Home Insurance?
Insurance covers more than just vehicles, offering you peace of mind concerning your house or apartment all days of the year. Surveys have shown only 7% of insured homes had a claim back in 2012, showing little sign of change in recent years. A 2014 Insurance Information Institute poll conducted by ORC International discovered that over 90% of homeowners bought homeowners insurance but only 35% of renters had the same equivalent. If you’ve ever found yourself worrying about the aftermath of a break-in or a fire, consider putting this on your to-do- list.
What Does Home Insurance Do For Me?
Anything could happen, so you’ll want to be prepared at all times. Homeowner’s insurance and renter’s insurance offer you a variety of fallback in case of an accident — these include, but are not limited to, tornado damage, floods, hail, burglaries and fire. However, not all insurance is built the same and you’ll want to double-check your particular company to make sure it has all your bases covered. Earthquakes and floods generally require additional coverage, for example, and your unique location can attribute to some policies offering different specifics than others.
Where Do I Start?
If you want to save money and maintain peace of mind, you’ll want to start looking up free insurance quotes to see where you stand. Affordable auto insurance is essential if you own a vehicle, protecting you from the fallout of potential accidents while offering you discounts for consistently safe behavior. If you own a house or rent an apartment, consider checking out home insurance companies and seeing what they can offer you monthly or yearly. You’ll want to keep an inventory on hand to better help your items be replaced if they’re damaged or stolen, as well. What form of insurance are you thinking of signing up for?