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Before you sign on the bottom line of your insurance		Work policies arent always the best deal.
policy, it's a good idea to have an understanding of the		Work policies are often based on a composite profile of
basics. Sure, it may look like a simple sheet of paper with		the employees you work with, many of whom may be less
writing on it, but it's a legally-binding document that		healthy than you, or have other underwriting factors that
outlines your rights and obligations should you be		might drive up rates. These type of policies also expire
involved in an accident. As a rule, you should always		if/when you leave the company. Inexpensive term life
read your policy carefully, cover to cover, including the		insurance polices that cover your dependents until they
dreaded "fine-print." This will prevent any		can live comfortably on their own are often a better
surprises in case you need to make a claim.		alternative.

Driving a standard family sedan is considerably less risky		Check out your payment/billing options. Many
than driving a flashy sports car. Your insurance rate not		life insurance companies offer discounts to consumers
only reflects you as a driver, but also what you drive.		who pay their premiums annually, or who pay monthly by
When shopping for a car, keep in mind the insurance		electronic funds transfer (EFT).
premium you'll likely pay. Financing a car almost always
requires you to purchase collision/ comprehensive
coverage to protect your financer's investment. If you are
leasing a car, your finance company or bank may
require the maximum insurance coverage as a whole to
protect their property, since the car is technically not
yours anyway. Contact your insurance agent or your
car's financier for more information.


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Although common sense, it's important to mention.		Medical payments is "good-faith" coverage
Should your information be somehow incorrect during		that guarantees immediate medical payments for you,
filing, your carrier may refuse benefits altogether (which		your passengers and other parties, regardless of who is
is definitely not a way to save money).		at fault. It also covers you and members of your
		household in any accident involving an automobile,
Depending on your insurance plan, it will often cover		whether you are on foot, on a bicycle, in a friend's car,
80% of your medical fees. However, your carrier's		etc.
estimated cost of a procedure may differ from that of
your doctor. As a result, that 80% may		Comprehensive insurance covers damage to your vehicle
shrink! Many doctors will agree to charge your		other than collision, such as fire, flood, break-ins,
carrier's estimation and it doesn't hurt to ask!		vandalism or theft, vandalism, break-ins, collisions with
		animals, and fire. It also covers natural disasters
		like earthquakes, hail, hurricanes and floods (unless the
		vehicle is overturned, in which it's considered a collision).
		Like collision, comprehensive insurance is usually
		required if your car is leased or financed.

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