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Auto insurance is required in almost every state in the US. Car insurance rates can vary dramatically from one auto insurance company to the next so shopping around and comparing auto insurance quotes online is always a smart choice.
Experts recommend evaluating auto insurance coverage options at least once every 6 months or any time there is a major change in coverage need like when a new car is purchased, a new teenage driver is added to the policy, there is a move to a new state (or even a new zip code as auto insurance rates are often very granular and can change quite a bit even from zip codes that are right next to each other), etc.
Many homeowners insurance companies also offer auto insurance and in the property & casualty world it is common for a home insurance company to offer a multi lines discount where policyholders that hold both auto insurance and home insurance with the same insurance company receive a discount (typically 5% to 15%).
Home insurance is not required by any of the 50 states but it is typically required by the mortgage lender or bank if there is a mortgage on the house.
The need for life insurance is often realized but sadly enough not acted upon as often as it should be. Life insurance can be described best as insurance not for the insured but rather for those people that are financially dependent upon the insured. If anyone financially relies on you for support then you need life insurance.
Buying health insurance is something that almost all Americans realize the need for because unlike a life insurance policy where the insured will never even see the policy used to cash in for the death benefit because they will already be dead a health insurance policy is often used on a monthly basis for doctors visits, prescriptions, and other medical care. One of the common misconceptions about health insurance is that group health insurance is cheaper than individual health insurance.
In almost every state in the US an individual health insurance plan will be considerably cheaper than its group health plan counterpart even if purchased from the exact same health insurance company with almost the exact same amount of coverage. The reason why individual health insurance is so cheap is that one must pass through medical underwriting in order to be accepted while with group health insurance every eligible applicant is accepted for coverage.
Long Term Care Insurance
It is estimated that over half of all adults will need long term care at some point in their lives. This care and is often provided by relatives but often the burden on family members and the time and costs involved become too much and thus the need for long term care insurance.
A qualified long term care insurance plan also has some attractive tax benefits as long term care insurance premiums may be able to be deducted as an itemized deduction on the personal income tax return.
Dental insurance is similar to health insurance insomuch as both health and dental insurance policy holders realize the need for coverage as they are accustomed to using both on a consistent basis. Even if the only dental work that you get done is a bi-annual teeth cleaning the advantages to having a comprehensive dental insurance plan or at a minimum a discount dental plan are significant.
Far too many workers in the United States suffer a disability without having adequate disability insurance. When the chief breadwinner of the family becomes unable to work because of a disability then the family can be placed in grave financial danger if adequate disability insurance coverage is not in place ahead of time.
Just like one cannot expect to purchase auto insurance coverage after getting into a car wreck and expect the insurance company to pay for the damages to the vehicle one cannot purchase disability insurance or health insurance after a disability or after becoming sick and expect the insurance company to pay up.
Many renters do not even realize that they could be liable for damages to their apartment in the event of theft, fire, or smoke damage. Buying a renters insurance policy is similar to buying homeowners insurance coverage and is a smart move for most renters.
Driving a motorcycle can be considered dangerous by some and exhilarating by others but regardless of the reason one might choose to ride a motorcycle it is always a smart thing to have adequate motorcycle insurance coverage at all times.
Buying pet insurance coverage is on the rise. For pet owners that want the best in medical care for the beloved furry friends but don’t want to break the bank then pet insurance plans are designed to help meet those needs.
Having a boat is fun. Having bad things happen to your boat without having adequate boat insurance is not so fun. It is certainly possible to find cheap boat insurance coverage online if one is prepared to do some research so be sure to compare you boat insurance options before making a buying decision.
Business insurance comes in all shapes and sizes. Working with an honest, professional, and knowledgeable business insurance agent or broker is always a smart way to go for those looking for business insurance quotes. Be sure to enter your zip in on the top of the page to compare local insurance providers online and review online quotes.
Insurance Providers & Risk Management
Insurance providers are those companies that provide insurance policies to individuals or companies for risk management. For monetary exchange, insurance reimburses for certain losses or expenses depending on the policy. Whether it be for auto, business, health, home, life, or long term care, insurance is available to help protect your financial assets. To compare insurance quotes from top insurance providers then simply enter your info above to see how much you could save!
Auto Insurance Providers
Most states require some type of auto insurance in order to legally drive your motor vehicle. Although this is usually minimal, it is a good idea to increase the coverage to protect your financial assets. As with all insurance, coverage is restricted to the limits of the policy. Bodily Injury Liability will cover the medical expenses, income loss, pain and suffering, and the legal defense for injuries or death sustained by other people.
Property Damage Liability will cover property damage, such as another person’s car, a fence, or a house. Comprehensive Coverage will cover your car as well as some other cars you may be driving and will pay for damages caused by anything other than collision, such as fire or theft. Collision Coverage is for damages made to your car in case of an accident or if your car gets hit by an object, regardless of who is at fault.
Uninsured Motorist Bodily Injury will cover you and your passengers in the event you are struck by an uninsured party or you are the victim of a hit and run. Underinsured Motorist Bodily Injury will cover the difference for you and your passengers for injuries caused by an underinsured driver. Your car can be covered by Uninsured Property Damage and Underinsured Motorist Property Damage as well.
Personal Injury Protection Coverage is for medical, hospital, and funeral expenses for the insured, his passengers, and any pedestrians that may have been injured. This is available for no-fault states such as Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah as well as Puerto Rico.
You can purchase additional policies for medical expenses, rental cars, even towing and labor. Although premiums are based on various risk factors such as your driving record and the make and model of your vehicle, you can negotiate costs somewhat by raising your deductibles to a comfortable level and also inquiring about a multitude of discounts, such as anti-theft devices and a multi-policy household. Be certain to read your policy carefully. Some policies are less expensive because they do not cover OEM (Original Equipment Manufacturer) parts and while this may be completely acceptable for you, it may also be a reason to continue shopping for policies.
Some of the top automobile insurance companies are GEICO, Nationwide, Progressive, and State Farm. GEICO (Government Employees Insurance Company) was founded in 1936 as an insurance provider for government employees. Today it has nine million policyholders and insures more than fifteen million vehicles. It maintains the highest ratings in financial strength, receiving an AAA from Standard and Poor’s, an Aa1 from Moody’s, and an A++ from A.M. Best. A.M. Best also reported GEICO as the third largest auto insurer for private passengers in the United States for 2008.
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Nationwide has grown over the last 80 years from a small auto insurer to one of the largest insurance and financial companies in the United States. It started out in 1925 as The Farm Bureau Mutual Automobile Insurance Company and became Nationwide Insurance in 1955 when its expansion included more than 20 states. Nationwide offers a complete line of vehicle coverage, including ATV (All Terrain Vehicle), auto, boat, motorcycle, RV (Recreational Vehicle), scooter, snowmobile, and watercrafts.
Founded by two lawyers in 1937, Progressive began as Progressive Mutual Insurance Company. True to its name, it has received numerous innovation awards to date, including the recently won Voice of the Customer Award by Forrester Research for its innovation in customer service. In addition to auto, boat, motorcycle, and RV auto insurance, Progressive offers commercial auto insurance.
Home Insurance Providers
Not only is homeowners insurance necessary for people who own or mortgage homes, mobile houses, townhouses, and condominiums, but renters insurance is also strongly suggested for anyone renting, whether it be an apartment or a house. Depending on the type of policy you obtain, this insurance will usually cover the dwelling itself, personal property, and liability. Depending on your location you may also need to consider additional insurance such as flood insurance.
Be certain you know what your policy covers before you purchase it. There is a critical difference if your policy is written for depreciated value instead of replacement value. There are many insurance providers for homeowners and renters. Cost is part of the insurance decision, but so is reputation.
State Farm has been issuing insurance for homeowners for over 60 years and currently insures 13.5 million homes. It was founded by a retired farmer and insurance salesman who suggested to his company that farmers should pay less for their automobile insurance since they drove less and had fewer accidents. They disagreed and suggested he start his own company, and so he did. State Farm offers a multiple line discount if you place both your home and car insurance with them and in some states you may be eligible for the Home Alert Discount, which discounts your premium for having fire detectors, smoke detectors, or burglar alarms.
All State, a Fortune 100 company, was founded in 1931 as part of Sears, Roebuck & Company. It became independent in 1995 and is known for its slogan, “You’re In Good Hands With Allstate.” In 2007 they were ranked number five by Fortune magazine as one of “America’s Most Admired Companies” in the Property and Casualty Industry.
Other Insurance Providers
Insurance providers for health care offer quite a selection of plans, varying in premiums, deductibles, and benefits. There are PPOs, HMOs, and HSAs. There are low premiums, high deductibles, full coverage, and catastrophe only policies. Some of the criteria to consider when choosing a health insurance plan is if you typically only use basic health care service and want to maintain low premiums, if you prefer to pay only a little out of pocket before the plan’s coverage goes into effect, if you want to cap the total amount you spend on medical expenses every year, if you frequent the doctor’s office and prefer a low co-payment, or if you want to see your health care expenses get deducted from your taxes. Ultimately, your choices will depend on your usual medical needs and your financial budget, providing you qualify for the plan.
Aetna is one of the nation’s top health insurance companies, offering a variety of traditional and consumer managed health insurance products, as well as behavioral health, dental, disability, group life, long-term care, and pharmacy services. With roots as early as 1850, Aetna has recently been named “The Most Admired Company” in health care by Fortune magazine. Furthermore, it was identified by the Davies Public Affairs 2009 national player survey of hospital executives as the preferred partner for hospitals and health systems across the U.S.
Humana, a leading name in health insurance providers, is accredited by URAC (Utilization Review Accreditation Commission) and NCQA (National Committee for Quality Assurance). It is also certified by CORE, the Committee on Operating Rules for Information Exchange. In addition to Humana’s insurance plans for group health, Medicare, and individual health insurance, it also offers specialty benefits that include accident insurance, critical illness coverage, dental insurance, disability coverage, life insurance, supplemental health, and vision care.
Life insurance comes mainly with two options, whole life, also known as permanent life, or term life. Whole life exists for the life of the member and sometimes carries cash value. Term life, on the other hand, expires after a set amount of time. The benefit to term life is that it is much less expensive than whole life, but the con is that it does indeed expire and will not provide any benefit if the policyholder lives past the policy expiration. When choosing life insurance, consider your health and age, and the needs of your financial dependents to determine which policy is best suited for you.
MetLife, Inc. services millions of individuals and corporations throughout the United States as well as in Asia Pacific, Latin America, and Europe. It has been issuing life insurance policies for over 140 years; initially started in New Your City as National Union Life and Limb Insurance Company in 1863. It has grown from insuring Civil War sailors and soldiers for disabilities and illness to offering today’s family annuities, auto insurance, banking, dental, disability income, financial planning, home insurance, IRAs (Individual Retirement Account), life insurance, long-term care, and mutual funds and brokerage services. In addition to term life insurance, MetLife offers several types of whole life insurance, including Universal Life Insurance, Variable Universal Life Insurance, and Survivorship Life Insurance.
Prudential was founded in the basement of an insurance agent in 1875 in New Jersey and was the first company to offer life insurance to the working class. Today it continues to service the United States as well as Asia, Europe, and Latin America. In addition to life insurance, Prudential offers annuities, auto insurance, home insurance, investment management, long-term care insurance, mutual funds, personal liability insurance, real estate services, retirement-related services, RV insurance, and watercraft insurance. For whole life insurance Prudential has policies for Universal Life, Variable Life, and Survivorship Life as well as a number of term life policies, including Term EssentialÂ®, Term EliteÂ®, and PruLifeÂ® Return of Premium Term.
Long Term Care insurance is similar to a disability plan and is used to cover a range of services for people who develop degenerative diseases, prolonged illnesses, or cognitive disorders. The long term care can be either skilled nursing or custodial care and can take place in a nursing home, assisted living facility, your own home, or in an adult day care center. Since Long Term Care is purchased now for the future, typically elder use, it is important to select an insurance provider that has a strong financial background, solid reputation, and business longevity.
Genworth Life Insurance Company began as The Life Insurance Company of Virginia in 1871 and today offers products for homeownership, life insurance, long term care, retirement solutions, and wealth management. In addition to offering Long Term Care Insurance, they also have Medicare Supplement Insurance and Group Long Term Care Insurance. They currently have an A rating from A.M. Best, an A rating from Standard and Poor’s, an A2 from Moody’s, and an A- from Fitch.
Unum is a Fortune 500 company that was founded in 1848. In 2006, they received the Readers’ Choice Award for their long term care product from Benefits Selling magazine for being the most comprehensive and effective. In 2007, they won a similar award for being the best provider for group long term coverage.
An independent research company conducted a survey that shows 9 out of 10 members with claims felt it was handled favorably and 98% of their customers are likely to recommend Unum to other people. In addition to Long Term Care insurance, you can receive disability, life insurance, and supplemental health services.
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No matter what type of insurance policy you are looking for, the best way to find the right one for you is to compare quotes and see which one matches your lifestyle. You can contact your current provider, a provider of your other policies or one of the insurers mentioned above.
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