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Collision insurance covers damage to your own vehicle in		Buy the right amount of coverage. Many agents
an accident. Collision is generally optional unless		may try to sell you more coverage than you need. The
your car is financed or leased in which case your bank		purpose of life insurance is to indemnify (replace
or credit union, bank or lender will require collision		financial loss), and what most people should be looking
coverage as a condition of the loan in order to protect		for is income replacement for their beneficiaries.
their interests.		Independent financial planners recommend the following
		rule of thumb: purchase an amount of coverage equal to
Medical payments is "good-faith" coverage		6-10 times your annual gross income.
that guarantees immediate medical payments for you,
your passengers and other parties, regardless of who is		Your half birthday could be costly. While
at fault. It also covers you and members of your		some companies raise their prices based on your actual
household in any accident involving an automobile,		age, most companies increase the price of their policies
whether you are on foot, on a bicycle, in a friend's car,		six months before your birthday. Its a term called Age
etc.		Nearest in the industry, and that half-year price
		increase could really add up over a 20-year term policy.


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Your home consists of more than a just your house. A		If you and your family are fortunate enough to enjoy
home includes the pool in your backyard, the tools in		extended periods of great health, you may want to
your garage and the wedding ring on your finger. Most		choose a higher deductible. For example,
importantly, it also includes your family, their happiness		increasing it from $500 to $1,000 will significantly reduce
and safety. Homeowners insurance allows you to protect		your insurance premium.
every part of your home giving you a greater sense of
security, knowing that you'll always have a warm roof		Although common sense, it's important to mention.
over your head. The sections below provide simple but		Should your information be somehow incorrect during
vital information that will help you understand what		filing, your carrier may refuse benefits altogether (which
homeowners insurance covers.		is definitely not a way to save money).

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