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Uninsured or underinsured motorist insurance covers you		Find the time to review your insurance policy. You may
if you are injured in an accident with others who		be able to revise it if you have unnecessary add-ons (i.e.
themselves carry insufficient or no liability		do you need towing if you have AAA?). You may also
insurance. With the surprising number of such		qualify for discounts you didn't know about.
drivers out there, it's a good idea to have some.
Some states require UIM/UM, so contact your Agent.		Your home consists of more than a just your house. A
		home includes the pool in your backyard, the tools in
Comprehensive insurance covers damage to your vehicle		your garage and the wedding ring on your finger. Most
other than collision, such as fire, flood, break-ins,		importantly, it also includes your family, their happiness
vandalism or theft, vandalism, break-ins, collisions with		and safety. Homeowners insurance allows you to protect
animals, and fire. It also covers natural disasters		every part of your home giving you a greater sense of
like earthquakes, hail, hurricanes and floods (unless the		security, knowing that you'll always have a warm roof
vehicle is overturned, in which it's considered a collision).		over your head. The sections below provide simple but
Like collision, comprehensive insurance is usually		vital information that will help you understand what
required if your car is leased or financed.		homeowners insurance covers.


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Check out your payment/billing options. Many		Research the various insurance plans, coverages and
life insurance companies offer discounts to consumers		options. Find out which best suits you and your
who pay their premiums annually, or who pay monthly by		family. Don't buy more insurance than you need
electronic funds transfer (EFT).		(i.e. young married couple probably doesn't need serious
		medical coverage other than pregnancy). Consult
Dont overspend on protection. Term life		an agent to answer any specific question pertaining to
insurance is the most affordable and cost-effective pure		you.
protection available, and it is typically much less
expensive than a comparable whole life policy. The old		Although common sense, it's important to mention.
axiom still rings true: Buy Term and invest the		Should your information be somehow incorrect during
difference.		filing, your carrier may refuse benefits altogether (which
		is definitely not a way to save money).

Jackson Insurance
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