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Medical payments is "good-faith" coverage		Driving a standard family sedan is considerably less risky
that guarantees immediate medical payments for you,		than driving a flashy sports car. Your insurance rate not
your passengers and other parties, regardless of who is		only reflects you as a driver, but also what you drive.
at fault. It also covers you and members of your		When shopping for a car, keep in mind the insurance
household in any accident involving an automobile,		premium you'll likely pay. Financing a car almost always
whether you are on foot, on a bicycle, in a friend's car,		requires you to purchase collision/ comprehensive
etc.		coverage to protect your financer's investment. If you are
		leasing a car, your finance company or bank may
Collision insurance covers damage to your own vehicle in		require the maximum insurance coverage as a whole to
an accident. Collision is generally optional unless		protect their property, since the car is technically not
your car is financed or leased in which case your bank		yours anyway. Contact your insurance agent or your
or credit union, bank or lender will require collision		car's financier for more information.
coverage as a condition of the loan in order to protect
their interests.		Your home consists of more than a just your house. A
		home includes the pool in your backyard, the tools in
		your garage and the wedding ring on your finger. Most
		importantly, it also includes your family, their happiness
		and safety. Homeowners insurance allows you to protect
		every part of your home giving you a greater sense of
		security, knowing that you'll always have a warm roof
		over your head. The sections below provide simple but
		vital information that will help you understand what
		homeowners insurance covers.


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Review your policy often. Do a review of your		While it is important to consider your own unique needs
life insurance policy a minimum of every three years, if		when it comes to term life insurance, the general rule of
not more often. Rates may be lower, and your		thumb is to have 6-10 times your annual household
circumstances may have changed, necessitating more or		income.
less protection. If you are replacing a policy, make sure
you allow enough time to get your new policy in place so		Term life insurance prices started falling in the early
coverages wont overlap or lapse.		1990s, and rates are now over 50 percent lower than a
		decade earlier. With rates remaining at record lows, and
The right hobby with the wrong company could cost		many experts predicting that prices will continue to drop
you. People who participate in high-risk sports or		when the major insurers adopt new mortality tables based
activities (such as hang-gliding, skydiving, mountain		upon the increase in average life expectancy, now is the
climbing, scuba diving, and racing), or even those who		time to purchase a new policy and lock in the best prices.
like to have an occasional cigar could very well pay more		Even if you purchased your policy several years ago,
money if they dont pick the right company. Every		chances are that you can still lower your prices.
company looks at risk factors differently and some are
more liberal in certain areas than others. Make sure you
work with an insurance company that has properly
matched your personal profile with their underwriting
criteria.

Yonkers Insurance
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