PANTA FAMILY


Tuesday, April 3, 2007

Making Informed Insurance Decisions for a New Year

The start of each year often inspires people to improve their lives. This year, the experts at Insurance.com suggest that people broaden their list of New Year resolutions by evaluating their personal life, auto and homeowners insurance needs for the coming year.

During the last year, people may have seen pay raises, higher monthly expenses or the birth of a new baby. These kinds of changes in circumstances and responsibilities can significantly effect a family's insurance requirements.

"Insurance.com recommends that policyholders take a more active role in managing their insurance coverage this year," said Steven Paul, vice president at Insurance.com, the online insurance resource. "They can start by understanding their policy needs, then shopping around and comparing their current rates with other providers."

The insurance resolutions are simple:

Resolution #1 - Life Insurance

Carry Enough Coverage: "I will not fall short in protecting my family's future." While people do not like to dwell on the subject of life insurance, policyholders should understand how much coverage they need to protect themselves and their families. The life insurance coverage most people carry is not sufficient, which can lead to a false sense of security. Policyholders should resolve to carefully think about their family's future needs and evaluate whether their current policy would adequately protect their family in the case of misfortune.

Insurance.com offers a few guidelines to help policyholders establish the appropriate amount of coverage, beyond the need for "final costs," such as funeral expenses. Regardless of which spouse is the primary breadwinner, both need to carry coverage to replace any lost income or rise in household expenses if one were to die. In addition to purchasing coverage that would provide regular income, policyholders should consider adding more protection to cover the sum of their outstanding debt, as well as adequate protection to cover six months of emergency living expenses for their family. Finally, some policyholders may choose to purchase still more protection in the amount needed to ensure a college education for all of their children.

Resolution #2 - Homeowners Insurance

Maximize Existing Coverage: "I will ensure my policy fits both my property and liability needs."
Because homeowners insurance offers a broad ran
ge of protection, determining the right amount and type of coverage can be confusing. While property insurance covers the structure of a home and its contents, carrying the appropriate amount of liability coverage provides equally important protection for personal liability, medical payments, damage to someone else's property and personal injury to others. Without adequate liability insurance, homeowners could put themselves at risk for a catastrophic financial loss, if, for example, they were responsible for an accident that resulted in a lawsuit.

Liability typically provides coverage for up to $100,000 in damages. However, some homeowners may decide they need a higher level of coverage based on their individual situations.

Resolution #3 - Auto Insurance

Be an Educated Consumer: "I will not renew my auto insurance passively."

Each year, many drivers receive their car insurance renewals by mail and file them away without a second glance. With auto insurance costs rising, drivers should consider a more proactive approach to renewing their policies this year. The experts at Insurance.com suggest drivers shop around and consider the following questions before renewing their auto insurance for the coming year:
  • Does their current provider offer competitive rates?
  • Is the underwriting insurance company financially solid and able to support claims?
  • What discounts are offered by their provider and are they receiving all of the discounts for which they are eligible?
  • What level of customer service does their current insurer offer? Does the company provide extended hours of operation, 24-hour claims service and knowledgeable staff?

Taking time to review insurance coverage and comparison-shop for competitive rates can help drivers save money on their insurance policies in the coming year.

Labels:

5 Comments:

Blogger ninest123 Ninest said...

ninest123 09.29
louis vuitton outlet, cheap jordans, tory burch outlet, chanel handbags, prada outlet, michael kors outlet, michael kors outlet online, cheap oakley sunglasses, tiffany jewelry, nike outlet, ralph lauren outlet, uggs on sale, nike air max, christian louboutin, louboutin uk, nike free, uggs outlet, kate spade, oakley sunglasses, ray ban sunglasses, ralph lauren polo, oakley sunglasses, michael kors, replica watches, longchamp outlet, gucci handbags, prada handbags, replica watches, burberry factory outlet, uggs on sale, longchamp bags, uggs on sale, christian louboutin, ray ban sunglasses, louis vuitton, oakley sunglasses, louboutin shoes, ray ban sunglasses, louis vuitton outlet online, michael kors outlet store, nike air max, uggs outlet, michael kors outlet online, louis vuitton outlet, longchamp outlet, tiffany jewelry, burberry outlet, oakley sunglasses

September 28, 2015 at 6:41:00 PM PDT  
Blogger ninest123 Ninest said...

sac guess pas cher, michael kors outlet online, coach purses, coach outlet, true religion outlet, north face pas cher, north face uk, hermes pas cher, michael kors, louboutin pas cher, jordan pas cher, nike free, vans pas cher, kate spade outlet, longchamp pas cher, nike air max uk, nike roshe uk, michael kors uk, nike air max, nike tn pas cher, nike roshe run pas cher, burberry pas cher, ralph lauren pas cher, true religion outlet, timberland pas cher, michael kors, lululemon outlet, new balance, coach outlet store online, longchamp soldes, nike free pas cher, vanessa bruno pas cher, nike air max uk, nike air force, hogan sito ufficiale, lunette oakley pas cher, polo ralph lauren uk, polo lacoste pas cher, true religion outlet, abercrombie and fitch, mulberry uk, nike blazer pas cher, abercrombie and fitch UK, nike air max pas cher, true religion jeans, hollister uk, converse, coach outlet, lunette ray ban pas cher

September 28, 2015 at 6:45:00 PM PDT  
Blogger ninest123 Ninest said...

new balance shoes, insanity workout, softball bats, north face outlet, vans scarpe, abercrombie, nike air huarache, valentino shoes, hermes handbags, beats by dre, iphone cases, mont blanc, p90x workout, north face outlet, nike air max, hollister, mcm handbags, converse shoes outlet, polo ralph lauren, celine handbags, nike trainers uk, ghd hair, reebok outlet, gucci, salvatore ferragamo, nike roshe run, nfl jerseys, babyliss pro, ray ban, soccer shoes, jimmy choo outlet, converse, instyler ionic styler, lululemon outlet, bottega veneta, wedding dresses, mac cosmetics, vans outlet, nike air max, timberland boots, oakley, chi flat iron, asics running shoes, soccer jerseys, hollister clothing, herve leger, giuseppe zanotti, longchamp uk, abercrombie and fitch, louboutin, michael kors handbags

September 28, 2015 at 6:50:00 PM PDT  
Blogger ninest123 Ninest said...

lancel, moncler outlet, louis vuitton, moncler, montre pas cher, moncler, louis vuitton, sac louis vuitton, toms shoes, moncler, canada goose jackets, thomas sabo uk, louis vuitton uk, michael kors handbags, ugg,ugg australia,ugg italia, bottes ugg pas cher, michael kors outlet, barbour, moncler, ugg uk, ugg pas cher, sac louis vuitton, marc jacobs, pandora jewelry, wedding dresses uk, supra shoes, canada goose uk, doke & gabbana, canada goose outlet, canada goose pas cher, swarovski uk, barbour jackets uk, swarovski jewelry, moncler pas cher, juicy couture outlet, coach outlet, moncler uk, replica watches, michael kors outlet online, ugg,uggs,uggs canada, pandora uk, links of london uk, moncler jackets, canada goose outlet, hollister, pandora charms, juicy couture outlet, canada goose, canada goose, pandora jewelry, canada goose jackets
ninest123 09.29

September 28, 2015 at 6:57:00 PM PDT  
Blogger 艾丰 said...

jianbin1128
michael kors handbags
nike trainers uk
air jordan shoes
kansas city chiefs
chicago bulls
babyliss outlet
nike air max
ray ban
wellensteyn coats
oklahoma city thunder
soccer jerseys,soccer jerseys wholesale,soccer jerseys cheap,soccer jerseys for sale,cheap soccer jersey,usa soccer jersey,football jerseys
oakley outlet
futbol baratas
ugg boots outlet
tiffany jewellery
the north face
tods shoes,tods shoes sale,tods sale,tods outlet online,tods outlet store,tods factory outlet
golden state warriors
cheap ugg boots
lacoste polo
converse sneakers
belstaff jackets
oakley
true religion sale
michael kors handbags clearance
ray-ban sunglasses
oakley sunglasses
tiffany jewelry
valentino shoes
north face outlet
swarovski outlet
nike outlet

November 27, 2015 at 6:47:00 PM PST  

Post a Comment

Subscribe to Post Comments [Atom]

Links to this post:

Create a Link

<< Home