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Find the time to review your insurance policy. You may		Term life insurance prices started falling in the early
be able to revise it if you have unnecessary add-ons (i.e.		1990s, and rates are now over 50 percent lower than a
do you need towing if you have AAA?). You may also		decade earlier. With rates remaining at record lows, and
qualify for discounts you didn't know about.		many experts predicting that prices will continue to drop
		when the major insurers adopt new mortality tables based
Driving a standard family sedan is considerably less risky		upon the increase in average life expectancy, now is the
than driving a flashy sports car. Your insurance rate not		time to purchase a new policy and lock in the best prices.
only reflects you as a driver, but also what you drive.		Even if you purchased your policy several years ago,
When shopping for a car, keep in mind the insurance		chances are that you can still lower your prices.
premium you'll likely pay. Financing a car almost always
requires you to purchase collision/ comprehensive		While many people in the U.S. remain completely
coverage to protect your financer's investment. If you are		uninsured when it comes to life insurance, even more
leasing a car, your finance company or bank may		who are insured are underinsured. Many
require the maximum insurance coverage as a whole to		consumers may own only half of the commonly
protect their property, since the car is technically not		recommended amount (6-10 times your annual salary).
yours anyway. Contact your insurance agent or your		Now is the time to shop for term life insurance rates, and
car's financier for more information.		think about purchasing a new policy. You may be able to
		afford more coverage than you think for low monthly
		payments!


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Medical payments is "good-faith" coverage		Avoid plans that exclude pre-existing health
that guarantees immediate medical payments for you,		conditions. You may end up paying for a policy
your passengers and other parties, regardless of who is		that doesn't cover you, which defeats the purpose of
at fault. It also covers you and members of your		having insurance! If you must, try and get one with
household in any accident involving an automobile,		a maximum six month waiting period.
whether you are on foot, on a bicycle, in a friend's car,
etc.		Although common sense, it's important to mention.
		Should your information be somehow incorrect during
General liability insurance covers injuries/deaths and		filing, your carrier may refuse benefits altogether (which
property damage resulting from an accident. This is the		is definitely not a way to save money).
most important coverage and is commonly required by
law in many states. Each state has its own
minimum liability requirement. Some insurance
companies offer "split-limit" coverage (each
part of the coverage is split into its own limit, i.e. $15,000
max. per person injured, $5,000 for property, etc.) while
others offer "combined single limit" (the entire
combined coverage for bodily and physical damages
under one limit, i.e. $100,000 total).

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