auto insurance basics to choose the right policy

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Do You Need Auto Insurance for Your Small Business?

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Even if your business doesn’t offer delivery service or involve a fleet of vehicles, going without business auto insurance can be an expensive mistake for business owners. By the time you learn you need coverage, it may be too late to avoid a hefty claim. What specific benefits can a business auto policy provide? Who Needs Business Auto Coverage? Any business that ever asks an employee to use their personal vehicle for a task that’s within their general scope of employment could be liable for any damages or physical injuries the employee sustains (or causes) while on this excursion. Read More»

How To Buy Car Insurance After Your Insurance Agency Drops You

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Getting dropped by your car insurance agency is never a good thing, yet it happens to many people for a variety of reasons. If this happens, you should begin looking for a new auto insurance agency right away, and here are some tips to help you do this. Find out why they dropped you If you are not sure why the insurance company dropped you, try to find out. You can do this by contacting your agent to ask them about this, and you might find out that it is due to one of these reasons: Read More»

Buying Car Insurance after a Lapse in Coverage

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You probably know that a lapse in insurance coverage is likely to cause an increase in your future premiums. This is especially true if you don’t do anything to mitigate the impact of the lapse. Therefore, the next time you realize you have a lapse in insurance coverage, take these measures to keep your rates reasonable: Act First and Contact Your Insurer The first tip is to act as soon as you realize your coverage has lapsed. Read More»

Things To Consider Before Removing A Vehicle From Your Auto Insurance Policy Because You're Storing It For The Winter

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If you own a vehicle that you put in storage throughout the winter, you might be wondering if you should remove the vehicle from your auto insurance policy once it’s in storage. After all, it’s reasonable to assume that if you aren’t driving the vehicle, you won’t need to maintain auto insurance for it. However, removing a vehicle from your insurance policy for several months isn’t just as simple as calling your insurance company and having it deleted from your policy. Read More»

Do You Know How Your Insurance Premium Is Affected By Your Credit Score?

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You may not be aware that when applying for auto insurance that the agent is also taking a look at your personal credit score. It plays a part in what your premiums ultimately end up being in the end. Here is what you need to know about how insurance and credit scores relate. Why Does Your Credit Score Matter? The way that insurance companies determine premiums is by determining how big of a risk you are when it comes to driving. Read More»

Three Auto Insurance Tips

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Insuring your car is a critical task if you plan on driving on public roads. Even a seemingly minor auto accident can result in sizable expenses in the forms of medical bills and damage to the cars. Unfortunately, some fairly simple oversights can inhibit you from getting the most from your auto insurance policy. In addition to causing you to potentially overpay for your coverage, you may not be adequately covered. Read More»

Three Reasons Why Breakdown Insurance Is Better Than an Extended Warranty

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You need to have car insurance in order to drive; in almost every state this is the law, but this insurance is for car accidents. You can also buy insurance to cover the cost of repairing your car or for specific parts, as with auto powertrain coverage. Most people are familiar with this type of insurance in the form of an extended warranty because it is often offered by a dealership selling new cars; however, an extended warranty falls short of the benefits of breakdown insurance coverage. Read More»

Three Things You Need To Do To Start A Home-Based Business

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Many people assume that because owning a home-based business allows you to work from home, starting a successful business is simple. Sure, there are several benefits to owning a home-based business — lower operating costs, the ability to work in your pajamas, and a flexible schedule. However, this doesn’t mean that one can think of a business idea today and have a successful home-based business tomorrow. There are several steps that you need to take to get your home-based business up and running. Read More»