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Five Common Types of Group Insurance You Can Offer Your Employees As Part of Their Benefits Package

Posted by on Aug 15, 2016 in Uncategorized |

As your one-owner business begins to grow and you are able to add employees, you may want to start thinking about benefits packages for your employees. Not only are benefit packages a great way to retain employees, they are also an excellent way to reward them for their loyal service. Here are five common types of group insurance you can purchase through insurance companies and then offer your employees as part of their benefits package. Health Insurance Health insurance, especially health insurance offered at an affordable discount to your employees, is typically the number-one benefit most employees look for when they are offered a job. Even if you do not offer any other type of group insurance, health insurance is often enough to entice good candidates to the positions you have available and keep the employees you already have. There are also several flexible health-insurance plans to make this as affordable for you as it is for your employees. Dental Insurance If dental is not covered under health insurance, rest assured most of your employees will ask after it because they want and need good dental coverage. Most group dental plans are more affordable than health-insurance plans, and by making dental coverage optional, you can offer it to your employees as an add-on to their benefits. This helps keep your costs low because you will not be paying for several policies that remain sitting on your shelf, and your employees can choose to have additional money deducted from their checks should they decide to take the dental coverage. Vision Insurance Vision insurance is also typically not covered under many group health plans for the simple reason that not everyone needs glasses. You can buy health-insurance policies that include excellent vision benefits, or you can offer these as a separate add-on. Most business owners choose the latter because only about half of the population needs eyecare and prescription eyewear. ADD Insurance Accident, Disability, and Dismemberment insurance is another group insurance many employers offer. It covers most accidents while the employee is on the job as well as all dismemberment. Disability usually refers to short-term and long-term disability insurance, which is worth offering and paying into when some aspects of the job may result in physical harm. Life Insurance Finally, you could also offer your employees life insurance. While it is not totally necessary unless the job entails some very dangerous activities on a daily basis, it is still a valuable thing to offer. Many of your employees might like the fact that they can get life insurance at a deep discount through their jobs, and this might make them want to stay working for you as long as they...

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Important Things To Understand About Business Interruption Insurance

Posted by on Jul 28, 2016 in Uncategorized |

Business interruption insurance is a great way to plan for unintended business emergencies. Here are some things to know before you sign up for business interruption insurance.  Coverage Varies Based on Your Plan Type First of all, it’s a mistake to assume that all business interruption insurance plans are created equally. There are a few key points that any insurance plan will cover, but they can vary in how comprehensive the payouts are.  All business interruption insurance plans will cover compensation for the net income that you lost during your business’ shutdown. Most plans should also cover any typical business expenses that occur during the time when you’re rebuilding your business.  Where it begins to differ is in coverage for any extra expenses that occur as part of your business’ reconstruction. For instance, if your previous office building was subject to a lot of property damage, you may need to rent out a different office space in order to get your business up and running again. When you’re stuck with two rent payments, the more comprehensive commercial insurance policies will provide coverage to this additional expense related to your loss.  Rates Vary Based on Industry and Company When you’re evaluating whether business interruption insurance is viable and affordable for your business, it’s important to note that blanket quotes aren’t always helpful. The rates can vary a lot based on the risks that your individual business presents. If your business has already been subject to a lot of instability in operations and profits, a commercial insurance broker may need to use greater scrutiny to choose a fair rate for coverage.  Some industries are also subject to higher rates because of the added costs of interim operations. For instance, an office is easy enough to find an interim space for; a restaurant is more expensive to cover because the insurance company will be paying for a new commercial space as well as either renting kitchen equipment or moving your existing stock to a new place.  Payouts Vary Based on Projected Income Finally, remember that a large portion of your potential payout will be based on your projected income. If you are a business that is struggling to get on its feet and you’ve taken some losses already in the past several years, then speak with a business insurance broker to see whether interruption coverage would be valuable. Even though you may not get a lot of coverage for income loss, this coverage could still be valuable to protect you against those interim costs.  To learn more, contact a company like Ratcliffe...

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Newlyweds: 3 Reasons To Combine Auto Insurance Policies

Posted by on Jul 11, 2016 in Uncategorized |

If you have just married the love of your life, the last thing that you might be thinking about is your car insurance. However, if you haven’t done so yet, you should know that this is an important step to take. If the two of you have insurance through different providers, you may want to compare your options to see which one will be cheaper as a combined policy. Regardless of which company you choose, however, consider these reasons why this is an important step to take when you return from the honeymoon. 1. You Might Be Required To Many insurance companies require that anyone who is of driving age in a household should be on the same policy. Others require that a person’s spouse be listed on his or her insurance policy, even if that person is not a licensed driver. By making sure that both of you are on the policy, you can help ensure that you are fully compliant with any requirements that might be in place by your insurer. 2. You Might Save Money Some people don’t realize it, but combining your insurance policies might help you save money. Some auto insurance providers actually use being married as a factor that goes into how much they charge, so you could save money instantly by letting your insurance company know that you have tied the knot. Plus, you may qualify for a multi-car discount or other discounts. It’s a great way to save money, which is always a good thing after a pricey wedding and honeymoon. 3. You’ll Be Covered Now that the two of you are married, there is a chance that you might share vehicles more than you think. You might take your spouse’s car in for an oil change, or he or she might drive your car to work one day for one reason or another. If you aren’t both listed on the same policy, this could cause problems if there were an accident. If you combine policies, however, you’ll make sure that you are covered for whatever might happen, which can provide peace of mind for your new marriage. As you can see, there are a few reasons why it’s smart to combine auto insurance policies if you are newlyweds. If you are unsure about the process, consider calling your insurance agent to let him or her know that you have gotten married and to get some insight as to what you should do next. To learn more, contact an insurance company like LA...

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Facing Rising Insurance Costs In Mississippi? What Are Your Options?

Posted by on Jun 1, 2016 in Uncategorized |

If you’re a resident of Mississippi, you may be greeting summer with not only hotter temperatures, but an increased auto insurance premium — even if your driving record hasn’t changed. Due to a higher-than-expected number of claims over recent years and other increased costs of doing business in the Magnolia State, many insurers have been required to make up costs by raising their rates on customers. Is there anything you can do to avoid a rate hike or protect yourself from future insurance increases? Read on to learn more about what you may be able to do to get costs back to where they began. Look at your deductibles Most auto lenders will require you to carry sufficiently low deductibles to ensure that your car (and their collateral) is fixed if you’re involved in an accident. Raising these deductibles without notice to your insurer could put your loan in jeopardy, so you’ll want to double-check these numbers before making any changes to your auto insurance policy. However, if you own your vehicle outright, you can often slash costs significantly by increasing your deductible so that you’ll only need to turn in catastrophic claims. Because the repair of even moderate body damage can often rival the book value of an older vehicle, self-insuring for all but major repairs is often the cheapest policy you can have. Emphasize your safe driving record For those without any accidents or traffic infractions on their record, obtaining lower costs should be easy. Even for those with a slightly imperfect record, discounts can be had if you take advantage of safe driving courses or other insurance-approved activities to reduce your rates. If you do get a speeding ticket or other traffic ticket, look into the possibility of a diversion or deferral program that will allow your record to be wiped clean after a certain period of time with no further offenses.  Get some quotes Finally, you’ll want to shop around. Although Mississippi is likely to see an across-the-board increase in the rates being charged by auto insurance companies, each company has its own proprietary formula to assess financial risk — so switching to a new company with a formula more favorable to your own circumstances (such as one that gives points for having a good credit score or lengthy driving history) can help save you money. The only way to determine what each company can offer you is to have your rates quoted with several insurers in your area–ideally a mix of large national companies and smaller local ones.  To learn more, contact a company like Insure With...

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4 Things To Consider When Purchasing Homeowners Insurance

Posted by on May 13, 2016 in Uncategorized |

As a homeowner, purchasing homeowners insurance is important to ensure that you are protected financially in the case that your home is damaged or totally lost. Without homeowners insurance, you will have to pay out of pocket to replace your personal belongings and make repairs to your home, which can be nearly impossible if you don’t have any savings. This is why it’s also important to be sure that when you purchase homeowners insurance, it has enough coverage to keep you as protected as possible. Here are four things to consider when purchasing homeowners insurance: The Way Claims are Processed: When speaking with a homeowners insurance company, be sure to ask what the claims process is like. This is important if you don’t have a savings to replace items in the case of damages. This is because some homeowners insurance companies will process claims by providing you with the replacement value for your items up front while others will only provide you with the replacement amount once the items have been replaced and you can provide receipts. This may be impossible to do if you don’t have the resources to replace the items on your own.  Floaters: Adding floaters to your insurance policy is important because you want to be sure that your personal belongings are fully protected. Some basic homeowners insurance policies won’t cover the full replacement value of computers, jewelry, and more. Be sure to ask about this to determine whether or not you need to add floaters to your policy.  Inspections: Every time your homeowners insurance is up for renewal or when purchasing a new policy, it’s important to have an appraiser inspect your home to determine your replacement value. The replacement value of your home is going to change based on inflation, which is why this is so important. You want to be sure that you have the right coverage amount in the case that your home is destroyed completely and you need to rebuild.  Umbrella Policy: Adding an umbrella policy to your homeowners insurance is definitely something to consider because it adds extra liability coverage. This is important because basic homeowners insurance policy typically only cover liability claims for a certain amount and many times, if someone is hurt on your property, they sue for much more. Adding this policy will protect you further, which is important to consider if your home has certain risks, such as stairs, a swimming pool, and more.  When you consider these four things when purchasing homeowners insurance, you can be sure that you are adequately covered. Contact an agent, like those at Family Insurance Centers and similar offices, for more...

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Four Hidden Benefits Of Health Insurance

Posted by on Apr 28, 2016 in Uncategorized |

If you haven’t scrutinized your health insurance policy, get up and do it now. Focus especially on the fine print; you may unearth loads of benefits that you may not know are there. Here are some of the benefits that people don’t normally associate with health insurance: Disease Management If you have a chronic health condition, it is in your insurer’s best interest to ensure your health doesn’t deteriorate further. This is why some health insurers offer disease management as an added benefit to their clients. Through disease management, your insurer provides you with coordinated healthcare interventions and communications to enhance your self-care efforts. Chronic health conditions require more healthcare services (such as tests and prescriptions) compared to those without such conditions. There may also be lifestyle changes or efforts they are required to adopt to manage their conditions. A disease management program coordinates all such services and ensures that you benefit from them, and at manageable costs. Nurse Advice Lines Many insurers provide their clients with nurse lines, mostly toll-free for asking medical questions. In some cases, you can also get the same service via web portals. These lines are managed round the clock so that you can use them at any time. For example, if you are not sure how to take an over-the-counter medication, you can call the nurse line and get clarification. You can also use the nurse line to get a preliminary assessment of a medical condition before heading to the emergency room. Breast Reduction Surgery Most health insurance procedures do not pay for cosmetic procedures, breast reduction being one of them. However, there are exceptions which may make your insurer pay for your breast reduction surgery. Generally, you have to convince your insurer that the surgery is a medical procedure and not a cosmetic one. For example, you may need breast surgery as a medical necessity if you have back pain since the reduction may help take some weight off your back and relieve your pain. Gym Membership Discounts Finally, your health insurer may also come to your rescue when it comes to high gym membership costs. Exercise is a well-documented health benefit, and your insurer is interested in keeping you healthy. Therefore, some insurers may pay your total gym membership fees (a minimum applies) while others may offer you a substantial discount. In short, your insurer isn’t just there to settle your medical costs if you fall ill. These are just a few examples of hidden benefits you may enjoy from your health insurer. Contact a company like Davies-Barry Ins to learn more about these and other benefits you may be missing out...

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4 Things That Determine Your Home Insurance Rate

Posted by on Apr 13, 2016 in Uncategorized |

As a homeowner, having home insurance is highly important to protect you financially in the case of a disaster, such as theft, hail, or fire. When you first purchase home insurance, you should know what is going to help determine your rate. When you know what determines your rate, you can be prepared for the rates that you receive. Here are four things that you may not know determine your home insurance rate: Making a Claim: Making a claim through your home insurance is going to affect your rate. The more claims on your policy, the higher your rate is going to be because your home is going to be considered a higher risk. This is why you should consider the claims that you make carefully. If the damages are less than your deductible, then making a claim is unnecessary since you will have to pay out of pocket anyway and the insurance won’t cover any of the costs.  The Previous Owner’s Claims: The previous owner’s claim made on their home insurance is also going to affect your rate. Since this is out of your control, it’s definitely something to consider whenever you purchase a home. Your real estate agent can determine how many claims have been made in the past. When you consider this before purchasing a home, you can be sure that you can actually afford the costs of owning this specific home. If there have been many claims made in the past, you may not be able to afford the insurance on the home. Certain Dog Breeds: Having a dog in your home is something that is desirable for many homeowners. Dog’s make great, loyal companions. However, there are some breeds of dogs that are going to increase your rate on your home insurance. This is because of the higher risk of dog bites occurring. If your dog were to bite someone, your home insurance would have to pay for those injuries. Be sure that before you bring a dog home, you know what breeds your home insurance company considers to be high-risk dogs.  Additional Coverage: Many homeowners have to purchase additional coverage on their home insurance because their basic home insurance won’t cover certain things that your home could be at risk for. For example, flood and earthquake damage are usually not included in a regular insurance package; instead, you must purchase additional coverage. Purchasing this additional coverage can be costly, so be sure that before you purchase a home, you know what you are at high risk for and whether or not you can afford to insure against that risk.  When you know these four things that determine your home insurance rate, you know some ways that you can avoid high...

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Been In A Car Accident? 4 Signs of a Traumatic Brain Injury That You Should Watch Out For

Posted by on Mar 20, 2016 in Uncategorized |

If you’ve been involved in a car accident and didn’t sustain any visible injuries, you might have decided that you don’t need a lawyer. However, that might not be in your best interest. Traumatic brain injuries are a common injury associated with high-impact auto accidents. Unfortunately, brain injuries often go undiagnosed for weeks and even months following an accident. One of the reasons for this is that accident victims often feel fine after an accident, especially if they don’t have any broken bones. If you’ve begun to exhibit unusual symptoms following your car accident, you need to consult with your physician immediately. You also need to consult with a personal injury attorney, like those at J D’Agostino & Associates, P.C., as soon as possible. Here are some signs of traumatic brain injury that you should be aware of. Cognitive Changes Traumatic brain injuries often manifest themselves in the form of cognitive changes. You might not even notice the changes at first. However, as the injury advances, you’ll begin to notice changes in the way you think and act. These are some of the cognitive changes you should look out for. Difficulties with memory or concentration Difficulty making decisions Delays in thinking or speaking Increased confusion. Sleep Changes Changes in your sleep patterns can also signify a traumatic brain injury, especially if the changes are drastic. For instance, if you are suddenly sleeping more or less than you used to, or you have a difficult time waking up once you are asleep, you may have sustained an undiagnosed brain injury in your car accident. Sensory Changes You might not realize this, but your senses can also be affected by a traumatic brain injury. Your sense of sight, sound, smell and taste can all undergo changes as the result of a TBI. Some of those changes can manifest themselves in the following ways. Sensitivity to light Blurred vision Increased sensitivity to sound Decreased sense of smell or taste Ringing in the ears Emotional Changes If you’ve been experiencing emotional changes following your car accident, it might be more than just shock. Traumatic brain injuries often manifest themselves through emotional changes. Some of the emotional changes you should be aware of include increases irritability or agitation, as well as feelings of excessive sadness or anger that come on for no reason. If you’ve been in a car accident, you should seek medical care whether you have visible signs of injuries or not. It’s also important that you consult with an accident lawyer. If you begin experiencing any of the symptoms described above, you should seek emergency medical attention as soon as...

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Three Reasons To Secure A Life Insurance Policy In Your 20s

Posted by on Mar 4, 2016 in Uncategorized |

When you’re in your 20s life is full of possibilities. For this reason, securing a life insurance policy is likely the last thing on your mind. It’s time to change this. Every single person needs life insurance, regardless of age. However, for someone in their 20s, the benefits of securing a policy are significant. Student Loans The average person’s student loan debt is somewhere around $30,000. If you took out a personal loan to pay for college and your parents, or anyone else, served as a co-signer, life insurance can be a source of relief should you pass before the debt is paid off. When someone co-signs on a loan this makes them legally responsible for the loan. If you were to pass away, the co-signer would need to cover the payments, possibly placing them in a financial strain. A life insurance policy will ensure your loved one has access to funds that can help pay off this debt. Lower Premiums Life insurance policy rates are based on risks. The greater the risk, the higher the premium. By the age of 65, 75% of people are thought to suffer from some type of chronic disease, like diabetes or high blood pressure. A chronic disease diagnosis translates into a greater risk. As you age, your life expectancy also declines, which means you will have a shorter length of time to pay into the policy, also leading to a greater risk. Taking advantage of a policy when you’re healthy and in your younger years places you in a lower risk category, which allows you to take advantage of lower rates. Accelerated Death Benefits Accelerated death benefits is a policy feature that allows you to access as much as 95 percent of your policy’s death benefit value, while you’re still alive. While this is a feature accessible to policy holders of all ages, having access earlier in life can prove to be an invaluable resource should you be diagnosed with a health concern that leaves you disabled or requiring long-term health care. Access to an accelerated death benefit payment can help you and your family cover the sometimes high cost of medical treatment and care. Securing a policy in your 20s that is equipped with this feature can help prepare you for these types of unexpected events that may come along. Don’t think your age excludes you from needing a life insurance policy. Think about the future and get an early start on protecting your loved ones. For more information, contact companies like Daniel L. Rust...

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Should You Lend Your Vehicle?

Posted by on Feb 18, 2016 in Uncategorized |

Everyone needs a loaner car from time to time. Maybe your son’s car doesn’t start one morning, or you best friend’s truck is in the shop. When someone asks to borrow your vehicle, should you say yes or will you be opening yourself up to serious liability issues? As a vehicle owner, you need to understand your financial exposure when you lend someone your car or truck. The Insurance Trail Many people believe that insurance follows the driver, but in most cases, the insurance follows the vehicle. If the driver has an accident that is their fault, your insurance will usually cover the accident, but you will be responsible for the deductible and any increase that results in your insurance premiums. If your insurance did not cover the amount of damage done, the driver’s insurance would be secondary. Obviously, if the driver of the other car was at fault, their insurance would be liable. Drivers Any regular drivers of your vehicle should be listed on your insurance. If you neglect to do so, your insurance company may choose not to cover an accident because you have misrepresented how your vehicle is used. However, most occasional drivers will be covered under your insurance. In some instances, your policy may exclude drivers in order to keep your insurance rates lower. If you go ahead and lend your car to that driver and an accident occurs, you may be responsible for all the financial damage. Borrowers If you are the borrower, you need to be aware of the car’s insured status. You may be uninsured and legally drive a car as long as that car is covered by the owner. If the car is not and you are ticketed for no insurance, the ticket will stay on your license, even if you have no car of your own to insure. If you have no car but frequently borrow others’ vehicles, you should consider investing in a non-owner policy, if your state allows them. That way your driving status will be legal in spite of the car owner’s lack of coverage. Before lending your car to anyone, you should check with your insurance agent to make sure you have proper coverage for all drivers of your vehicle. Be sure to ask how your company handles accidents that involve someone not on your policy, and up your coverage, if necessary, to cover you for all possibilities. For insurance quotes, contact a company such as Cornerstone Insurance...

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3 Things You Need To Know When Calculating Life Insurance

Posted by on Feb 2, 2016 in Uncategorized |

Many adults know how important it is to always carry life insurance, but the question on many people’s minds is how much they should purchase. It can be hard to come up with the amount that you should purchase, which is why many people just choose a number without really thinking about it. Instead, you should be very calculated in how much life insurance you purchase. Here are some things to consider when you buy your policy. 1. Expenses For Your Loved Ones If you have a spouse or minor children it is very important that you have enough money in the life insurance policy to help pay for their living expenses for at least the time immediately following your death. For example, if your children are young, your spouse may not be able to work as many hours, may need to stay at home, or may need to pay for daycare. Thus, you should consider how long you think your family will need financial assistance and then multiply that number by how much you expect they need to live off of each year. This will help to ease the burden of your death so that your family is not stressed about finances on the top of grieving your death. 2. Debts In addition to living expenses you need to consider any debts you may have. Although it would be nice if your debt passed away with you, this is not realistic. Your family may still be responsible to pay off your car, house, credit cards and so forth. Thus, you should calculate how much debt you have and include that in the policy so that your family can become debt free after your death. This will ease a major burden. 3. Funeral and Medical Expenses Towards the end of your life, you probably will accrue medical expenses, even if you are in some sort of accident, there is a good chance you will be taken to a hospital and receive some sort of treatment. However, if you were to get cancer or a major illness, your medical expenses could be severe. This is why it is good to add a little extra to help pay for unforeseen expenses. Additionally, you should include the money needed for the funeral. This will allow your family to host a beautiful funeral in your honor without worrying about how they are going to pay for it. By considering these things you can be sure that you are getting the right amount in your life insurance policy. To learn more, speak with a business like Amberg Insurance Center...

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