Right now, personal auto insurance is the only mandatory form of insurance in the U.S. So no, you can’t get out of paying for car insurance — but there are a number of things you can do to help reduce the amount you pay each month.
If you don’t want to pay the $84,000 that the average driver will spend on a personal auto insurance plan throughout his or her lifetime, check out these four tips for cutting down on your payments:
1. Take a defensive driving course: Defensive driving courses only cost about $40, and you can complete the course whenever it’s most convenient for you. And for those small costs, you can benefit by paying up to 10 to 15% less on your car insurance each month.
2. Try to drive less: Most insurance providers offer reduced premiums for low-mileage drivers. If you don’
Did you know golf is not only popular across the United States and the world, but on the moon too? On February 6, 1971 astronaut Alan Shepard hit two golf balls while on the moon’s surface. Since then, golf tournaments and events are becoming increasing popular, drawing larger crowds and media attention. In fact, from 2009 to 2014, the United States golf course and country club industry saw an increase in business by 1.2% annually. It’s estimated that a staggering 29,000,000 people play golf across the United States, with numbers continuing to rise.
With that being said, you may be curious as to how to increase awareness or player participation at your next golf event or tournament. Though there are a variety of golf tournament contest ideas, consider hosting a hole in one contest at your next
Seeking help for your finances isn’t just for millionaires anymore. These days, there is a wide variety of services that a certified financial planner can offer, no matter your income. About 56% of American adults don’t have a budget — don’t become one of those people!
When you hire professional help for your finances, you can feel confident that your funds are in good hands.
Here are five great things that a certified financial advisor can do for you:
1. Guide your investments: Most people choose to hire a certified financial advisor because they want guidance with building an investment portfolio. An investment advisor recommends his or her client with the be
You have had the worst disaster a homeowner can imagine. A fire has ruined your possessions and left you wondering what is next. If you want to get back on your feet quicker, learn what is a public adjuster to get started on your homeowner insurance claims.
A public claim adjuster works for you, not the insurance company, so they will have your needs in mind first. An insurance public adjuster is trained and paid by the insurance company. A public adjuster is a licensed and bonded professional who can investigate, document and negotiate a claim. The public adjuster has several responsibilities including inspect th
Oddly enough, one of America’s favorite pastimes is watching eating contests. Though these competitions usually draw just a couple dozen of participants, they draw massive amounts of spectators, attention, and excitement. For the brave few who do step up to the challenge, they have the chance to win an amazing prize.
However, these eating competitions can be made even better with contest insurance. Take a hot dog eating contest, for example. If the winner beats the competition by a dozen, then they can win an additional $5,000. If the tournament took out contest insurance, then the organizers wouldn’t have to pay a single cent of that extra prize. The contest insurance company would.
That being said, here are a few of the strangest eating competitions from around the country, and how they can be
You have relocated to a new state and now that the initial excitement has worn off it is time to get settled into your new home. In order to find low rates on Colorado Springs Life Insurance, consider a business that also offers competitive prices on auto and home insurance quotes. If you can find cheap auto insurance rates quickly, you can cruise around your new city with the peace of mind you need.
Auto insurance specialists will be able to explain the wide range of coverages available to you. Liability coverage and full coverage are keys
Even though an overwhelming majority of people (93%) feel that having a life insurance policy is completely necessary, an underwhelming amount–about 95 million, which is 41% of the population–don’t have one!
A big reason why so many people don’t have a policy is because they don’t fully understand the different life insurance types. Basically, there’s two main categories of life insurance: whole life insurance and term life insurance. Once you understand the differences between the two, you’ll find it’s fairly easy to purchase this vital commodity.
The intention of a whole life insurance policy is to cover you and your loved ones for the rest of your life, as the name implies. Initially these policies cost more, but the payments taper off in the later years making them cost-efficient. S
It is hard to prepare for disaster in your personal life. There are ways though to make sure a disappointing event does not cripple you or your family. In order to avoid financial catastrophe meet with a qualified local insurance agent to figure out how to find life insurance.
Life insurance is a contract between the insured and insurance company where the insurer promises to pay a designated beneficiary in exchange for a premium upon the death of the insured person. Other events such as terminal illness may also trigger payment. According to LIMRA’s Life Insurance Barometer Study 2013 85% of consumers agree that most people need life insurance.
According to the Genworth LifeJacket Study 2011 40% of Americans that have life insurance don’t think they have enough. They are setting themselves and t
Turn on the TV, and you’ll lose count of the number of car insurance advertisements you’ll see in the course of an hour. Unfortunately, not many of these commercials mention the other sorts of insurance you may need over the course of your life. Taking out homeowners insurance, workers compensation insurance, or life insurance policy plans can save you in your times of need and are just as important as car insurance.
Your home is a major investment. Sometimes, however, we can’t control what happens in the event of a natural disaster. In 2012 alone, the average flood claim on homeowners insurance policies in the United States was $34,000. Without insurance, a homeowner pays out of pocket for damage–and that’s a big chunk of your earnings. Although the average American homeowner spends 2% of their
Did you know that car insurance is a necessity in all 50 states? However, approximately 61% of Americans are considered to be under-insured by 18%. But why does this matter? Being under-insured can be unsafe and costly because accidents are often dangerous and expensive. As a result, obtaining the right types of insurance will help protect your finances in the case of an accident or other unwanted event.
1. Automobile insurance. Auto owners insurance is used to cover the risk of financial liability when a car accident occurs. However, an astounding 16% of American drivers do not have car insurance. Different auto insurance policies provide different benefits, such as vandalism coverage, accident damage repair, and animal collision coverage, so it is important to find a policy that is right for you by u