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How High Gas Prices Can Lead to Lower Auto Insurance RatesIf all of our neighbors would just drive even less, we'd get lower auto insurance rates. When Americans spend less time on the road, the frequency of auto accidents declines. And when auto accidents go down, so do claims on auto insurance. That gets the ball rolling: When auto insurance companies see their costs on claims declining steadily, they typically respond to market conditions by lowering their auto insurance quotes. "return of Premium" Term Life Insurance Comes of AgeIf you'd like to have term life insurance in place to provide for beneficiaries yet you're confident you'll outlive the life insurance policy, you now have many options for "return of premium" (ROP) term life insurance. Under this type of life insurance policy, if no death benefit has been paid by the end of your life insurance term, you receive all your premiums back. Car Insurance Coverage for Pets in Car AccidentsPets ride in cars all the time, but what if they're injured in a car accident? Whose car insurance company pays to treat their injuries? The answer depends on the cause of the accident. Car Insurance Faqs: How to Buy Car InsuranceFrom lowering your insurance premiums to adding a teen driver to your policy, buying car insurance can be a confusing, overwhelming, and expensive process. However, it is a necessary part of life, and can save you a lot of stress and money in the future. It may seem like a daunting task, but there is an easier way to shop for car insurance quotes and rates. Auto Insurance Faqs: Accidents HappenWith over 6 million auto accidents per year in the United States alone, there's a good chance that you or someone close to you will be involved in an auto accident at some point. Having auto insurance is a great way to be prepared for an auto accident. When shopping for auto insurance, it's important to look at auto insurance rates and quotes and do some comparing. The Lowdown on Life Insurance Medical ExamsThere are three main ways a new life insurance policy is priced: Underwritten policies are those where you answer questions on your personal and family medical history and undergo a medical exam arranged by the insurance company; a simplified issue life insurance policy application asks you some medical questions but does not require a medical exam; and a guaranteed issue life insurance policy requires no questions and no medical exam. Umbrella Insurance Extends Your CoveragePerhaps you've loaded up on insurance: high limits on car insurance, home and flood insurance, and ample life insurance. But even these coverages can't account for every disaster in life. To further protect your assets, there's umbrella insurance. Twelve Ways to Save on Your Auto Insurance PolicyWant to save money on your car insurance? Here are suggestions from the Insurance Information Institute (III). How a Dui Conviction Affects Your Car InsuranceIf there's anything that could drive your car insurance cost sky-high it's a drunk-driving (DUI) conviction. According to the Insurance Information Institute, there is an alcohol-related traffic fatality in the United States every 29 minutes. Aside from the risk of killing yourself and others, drunk driving carries with it serious penalties from your car insurance company. Auto Insurance BasicsAuto insurance is a contract that protects your financial security in case of an accident. Although it is not mandated by federal law, the purchase of auto insurance is usually a requirement in most states; every state (with the exception of New Hampshire and Wisconsin) have minimum insurance laws.
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