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Medical payments is "good-faith" coverage		Check out your payment/billing options. Many
that guarantees immediate medical payments for you,		life insurance companies offer discounts to consumers
your passengers and other parties, regardless of who is		who pay their premiums annually, or who pay monthly by
at fault. It also covers you and members of your		electronic funds transfer (EFT).
household in any accident involving an automobile,
whether you are on foot, on a bicycle, in a friend's car,		Review your policy often. Do a review of your
etc.		life insurance policy a minimum of every three years, if
		not more often. Rates may be lower, and your
These coverages are extra and strictly optional features.		circumstances may have changed, necessitating more or
Rental reimbursement: covers vehicle rentals		less protection. If you are replacing a policy, make sure
required because your car is damaged or stolen;		you allow enough time to get your new policy in place so
Towing and Labor: covers charges in case of a		coverages wont overlap or lapse.
road breakdown; Auto Replacement: coverage is
available that ensures your car will be completely		The right hobby with the wrong company could cost
repaired or replaced, even if these costs exceed it's		you. People who participate in high-risk sports or
depreciated value. This feature is not always available.		activities (such as hang-gliding, skydiving, mountain
		climbing, scuba diving, and racing), or even those who
		like to have an occasional cigar could very well pay more
		money if they dont pick the right company. Every
		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.


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If you and your family are fortunate enough to enjoy		Select the right length of coverage. Everyone
extended periods of great health, you may want to		has different needs, and not one size fits all when it
choose a higher deductible. For example,		comes to term life insurance. While it may make sense
increasing it from $500 to $1,000 will significantly reduce		for people in their 30s and 40s to secure a 20-year term
your insurance premium.		length, a 10-year term might be more appropriate for
		someone nearing retirement. People who are trying to
Research the various insurance plans, coverages and		quit smoking, for example, might be best suited
options. Find out which best suits you and your		purchasing a shorter term (and then replacing it with a
family. Don't buy more insurance than you need		longer term policy when they qualify for non-tobacco
(i.e. young married couple probably doesn't need serious		prices). Lastly, individuals who have 30-year mortgages
medical coverage other than pregnancy). Consult		might want to consider a 30-year term to ensure that the
an agent to answer any specific question pertaining to		house is protected throughout the period of the loan.
you.

Pittsburgh Insurance
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