Albuquerque Insurance


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Driving a standard family sedan is considerably less risky		Whole life insurance policies often cost thousands of
than driving a flashy sports car. Your insurance rate not		dollars a year, as opposed to the mere hundreds of
only reflects you as a driver, but also what you drive.		dollars a year that the majority of term life insurance
When shopping for a car, keep in mind the insurance		policies cost consumers. For example, if you are a
premium you'll likely pay. Financing a car almost always		healthy, non-smoking 35 year old male, you can get a
requires you to purchase collision/ comprehensive		10-year, $100,000 term life insurance policy for as little
coverage to protect your financer's investment. If you are		as $7.09 a month (or as little as $6.56 a month for a
leasing a car, your finance company or bank may		comparable female).
require the maximum insurance coverage as a whole to
protect their property, since the car is technically not		While many people in the U.S. remain completely
yours anyway. Contact your insurance agent or your		uninsured when it comes to life insurance, even more
car's financier for more information.		who are insured are underinsured. Many
		consumers may own only half of the commonly
Find the time to review your insurance policy. You may		recommended amount (6-10 times your annual salary).
be able to revise it if you have unnecessary add-ons (i.e.		Now is the time to shop for term life insurance rates, and
do you need towing if you have AAA?). You may also		think about purchasing a new policy. You may be able to
qualify for discounts you didn't know about.		afford more coverage than you think for low monthly
		payments!


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Work policies arent always the best deal.		Buy the right amount of coverage. Many agents
Work policies are often based on a composite profile of		may try to sell you more coverage than you need. The
the employees you work with, many of whom may be less		purpose of life insurance is to indemnify (replace
healthy than you, or have other underwriting factors that		financial loss), and what most people should be looking
might drive up rates. These type of policies also expire		for is income replacement for their beneficiaries.
if/when you leave the company. Inexpensive term life		Independent financial planners recommend the following
insurance polices that cover your dependents until they		rule of thumb: purchase an amount of coverage equal to
can live comfortably on their own are often a better		6-10 times your annual gross income.
alternative.
		Buy before any major health issues arise.
		Healthy people have the best mortality risks and thus are
		much cheaper for companies to insure. This translates
		into lower rates for the Super Preferred customer than
		someone with higher risk factors such as a heart
		condition, cancer or diabetes. Conversely, if you were
		unhealthy when you acquired your policy, and your
		health has now improved, it might be time to shop for a
		new policy, as your rates are likely to be lower.

Albuquerque Insurance
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