About Me

Learning About Car Insurance

Hello, my name is Cliff Bolton. Welcome to my site about vehicle insurance. I wanted to learn all I could about insurance before I started driving to go into the decision-making process with ease. Once I started exploring the insurance industry, however, I could not stop reading. I learned all I needed to know to obtain car insurance and much, much more. I created this site to share this knowledge with my readers. I hope to help others tackle this important decision without worry. Please feel free to drop by daily to learn new information about this important topic. Thank you for visiting my site.


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Learning About Car Insurance


2 Questions To Ask When Speaking To An Insurance Agent About Your Costs Under Medicare

If you have recently reached the age when you can apply for Medicare coverage, you may be busy gathering information before open enrollment begins. While looking through the information and reviewing the various plans, you may be growing concerned about how much you will have to pay out of pocket for various health expenses. If so, you should speak with an agent who can help guide you through the process as well as answer any questions you have.

Is Your Employer Required To Pay For Your Health Insurance?

Under US law, your employer might be required to provide you with health insurance to avoid facing penalties. Whether or not they will be required to offer health insurance depends on how many full-time employees they have. Therefore, if your company is very small or if you are not classified as a full-time employee, you might not be eligible and will need to purchase your own health insurance plan. However, even if your employer provides you with health insurance, there might be a reason why you might want to obtain your own health insurance plan.

Have A New Home In An Area With Occasional Wildfires? What To Know When Getting Insurance

If you have moved into an area where your home could be at high risk for forest fire damage, you need to have the property assessed. You can have a company come out and do a fire line score assessment of the property. This is where they determine how at risk your home is for being in the line of a fire and getting damaged based on these things: Forest fire history in the area Location of the house to the nearest forests Brush and landscaping around the property Recent temperatures, draughts, and other environmental factors Once this assessment is done, you may have to shop around for specific home fire insurance coverage.

Ask Your Agent These Important Questions About Flood Insurance

According to the Federal Emergency Management Agency, floods are the number one type of natural disaster reported in the United States; even an inch of water can cause serious damage to your home. Depending upon where you live and the type of mortgage you have on your home, you might be legally obligated to carry flood insurance. If this is your first experience with flood insurance, here are some critical questions you need to ask your agent.

What You Need To Know About Employee Benefits Insurance

As a business owner, you want to be protected against any possible risk you might face when running your business. One way to do so would be to have employee benefits insurance. But what exactly is it, and why do you need it? Here's a look at employee benefits liability insurance, what it covers, and why you can't afford to skip it. Understanding Employee Benefits Liability Insurance Employee benefits liability insurance is a type of insurance that helps protect employers from claims arising out of errors or omissions in the administration of their employee benefit plans.

The Benefits Of Choosing Whole Life Over Term Life Insurance

The two main types of life insurance are whole life and term life insurance. While there are pros and cons associated with each of these options, the fact is that whole life insurance is often the better choice. This is because whole life insurance offers a variety of benefits that term life policies do not. Taking the time to review some of the benefits outlined below can help you to better understand why choosing a whole life policy may be in your best interest.

Understanding Each of the Coverage Options Included in Your Auto Insurance Quote

When you receive an auto insurance quote, the price of the policy will be based upon several factors, including your driving record, history of insurance claims, credit score, and the coverage options you have chosen to add to your policy. In order to ensure that the quote you received is for a policy that truly meets your insurance needs, you will need to have a working knowledge of exactly what protection each coverage option offers.

Benefits Of A Commercial Truck Insurance

If you own commercial trucks for your business, you need to protect them against damages. Trucks are costly assets and are prone to damage due to perils such as accidents, natural disasters, and fires. Therefore, you need to purchase commercial truck insurance to cover these damages. Here are the benefits of trucking insurance. Legal Compliance The law requires that all vehicles, including commercial trucks, have minimum insurance. The minimum insurance requirements vary across states, and you need to find out what your state requires.

4 Types Of Home Insurance Coverage Every Homeowner Should Have

Home insurance, often known as homeowners insurance, is an important form of protection in today's world. It protects your most valuable possessions, starting with the structure of your home and subsequently the valuables within it. It also protects anyone within the structure. When it comes to financial transactions affecting your property, adequate home insurance is a must. For example, you can't use your home as collateral for a loan if it isn't suitably insured.