Author Archive

The Purpose behind Personal Liability Insurance

Written by Michael on . Posted in General Liability Insurance

The basic purpose of personal liability insurance is to get protection by paying claims and damages in case you damage or injure other people or their property. This is very different from the life insurance. Most of us don’t realize, but if we have automobile, homeowner or renter’s insurance, we already have some liability coverage. However, the liability coverage that comes along with the other policies is very limited. Therefore, it is essential to look at the insurance and discuss with an aged if you need to buy more of the liability insurance.

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Lowering the Costs of Commercial Truck Insurance

Written by Michael on . Posted in Commercial Vehicle Insurance

Let us get some honest and frank advice on how to save money when taking out commercial truck insurance. To begin with, be sincere when stating the value of your truck.  You can get quotes from different companies and need to compare them before committing to one. You will be asked detailed information on your vehicles and the driving histories as well. Making comparisons can help you come to some conclusions and know where to get the best cover at the lowest costs.

Your old company might try to offer you discounts to buy your loyalty, but you can always look for better deals within the same costs. One can go for a three-year policy that will keep the premium fixed for three years. Raise those deductibles to get cheaper insurance. But, increase only to the level that you can afford. After all, there is no point in increasing it if you are not able to pay. If you pay your insurance up front and avoid paying in installments, you could save at least 15% of the costs. Transfer the money electronically to evade overpriced checking fees.

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Understanding the Truck Insurance

Written by Michael on . Posted in General / Other Insurance

If looking for truck insurance, make sure you know everything that needs to be done and walk away with the best deal while avoiding the many pit falls. Getting insurance for a truck can be a tricky process, especially when the costs invoked keep getting up. However, if armed with the right information, things can run a little smoother and in the right direction.

There are some essential required when looking for truck insurance such as the driver’s license numbers and basic driving histories. You will also be asked to give any info related to speeding tickets. Quotes will rise for those drivers with not such a good driving history. The safety and security features on the truck along with the VIN numbers will be noted down. Keep your VIN number handy as well as the model, manufacturer and year of the model of the truck. Based on the information above, you will be able to get quotes from most of the companies. However, the quote can change if the company finds out some facts that do not match the information given by you.

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What Falls Under General Insurance?

Written by Michael on . Posted in General / Other Insurance

Life has its own share of risks and dangers, varying in their improbability. The onus lies on us to realize the seriousness of these potential risk and prepare ourselves. General insurance offers protection against different kinds of hazards in our life and these cover risks related to property, vehicle, lending, money or any other kind of causality except life.  There are different laws and rules relating to general insurance in different states. Get complete and accurate information from your insurer in your state.

The standard lines under the general insurance cover the areas of automobiles, enterprises and property while the excess lines take care of aspects outside the aforesaid features. The purpose is to hand out respective claims with the help of adequate pooling. However, there is usually a short term agreement followed under the insurance and the term extends not more than a year. Annual payment of premiums is another feature.

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Motorcycle Insurance Need Not Be Complex

Written by Michael on . Posted in General / Other Insurance

If you own a motorcycle, then probably you have heard about motorcycle insurance. Just like any other vehicle or auto, it is essential to cover your motorcycle with an insurance policy.  The rates for the insurance are dependent upon a number of factors. Some of these are the make and model of the motorcycle along with. Your personal driving record. The age of all riders, the year the motorcycle was registered as well as custom parts and accessories that have been added to the motorcycle will influence the costs of the motorcycle insurance.

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