Monthly Archives: December 2015

How To Find Affordable Car Insurance In Tennessee

If you’ve ever tried to purchase Tennessee low cost car insurance, you’re probably aware of the impact your credit score has on policy-underwriting and rate-determining procedures. While there are a few restrictions auto insurers have when it comes to using your credit score (an insurer can’t, for example, take action against you based on your score), it’s no secret that having a decent score increases your chances of finding affordable car insurance in Tennessee.

Making repairs to your credit score will help you get Tennessee low cost car insurance, and we’ll even help get you started. Take these five tips into consideration.

Obtain your credit report(s). America’s top credit bureaus are Equifax, Experian and TransUnion. Order a credit report from each bureau as information tends to vary from report to report.

Study your credit report(s). Study each report and take note of both correct and incorrect information. If your report includes incorrect negative information, your chances for getting Tennessee low cost car insurance will, in turn, be negatively affected.

Dispute incorrect information. When you find incorrect negative information, file a dispute with the credit bureau in question. Make sure to keep copies of all communication between you and the bureau.

Think about the correct information. If you have positive information on your credit report (and we hope you do!), remember the steps you took to get those results. Remember the mistakes you made to get negative information and devise a plan to avoid continuing those mistakes.

Continue to build your credit. Consider secured credit cards designed for people with no or poor credit to help re-establish your credit. In the meantime, call on other lines of credit that weren’t reported. Your gas card and department store credit line, for example, may be in great standing but not reported. Contact those institutions and request they report to a credit bureau. Otherwise, you may risk your chance at getting affordable car insurance in Tennessee.

How To Find Affordable Car Insurance In Oregon

Nobody like to pay more for car insurance than they have to, and this is especially true in Oregon, which has some of the highest automobile insurance rates in the country.

There’s really no trick to finding affordable car insurance in Oregon. It’s simply a matter of shopping around and comparing as many different companies as possible.

Thanks to the internet and a variety of free quote services, getting comparisons is not as difficult as it used to be but it is still tedious and time-consuming.

To save time it is advisable that you have all of the necessary information in front of you before you log onto a car insurance quote site. Having everything at your fingertips will save you a lot of time and headaches.

First, have your driver’s license in front of you. You will need to supply all the “standard” information: name, address, birth date, gender, and martial status. They will also ask for your driving record for the past 5 years. This will include a list of accidents, claims against your present insurance company, and any tickets you have received. Be truthful they will double-check your answers.

They will also ask about your occupation and the number of years you have been employed, as well as ask questions about your credit history; drivers with good credit get a break on their auto insurance rates.

They’ll want to know how many people will be driving the car and their ages and genders, and they will ask if you rent or own your own home (homeowners often get a slightly lower rate).

In addition they will need information about the car you will be insuring. They will need your vehicle’s year, make, and model, as well as any anti theft devices or safety devices the car has. They will also ask if you own your vehicle or if it is being financed. You will also need to have your vehicle’s VIN number. The VIN number can be found on the driver’s side dash board under the windshield or in the glove compartment on the right hand side.

They’ll want to know if your vehicle is used primarily for business or pleasure and approximately how many miles you drive each week.

Finally they’ll ask about your current insurance and then ask what types of coverages you want and what deductibles you’re considering.

Even though it seems like a lot of information, most of it is fairly standard information that you will know off the top of your head. The rest you will need to gather.

The payoff for the effort you’re making will be affordable car insurance month after month, year after year and for most people that’s worth an afternoon of online comparison shopping any day!

How To Find Affordable Car Insurance In Nevada

If you think it seems like it’s getting harder and harder to find affordable car insurance in Nevada you’re not alone. Car insurance premiums have been going up all across the state, even for drivers with good driving records who have never filed a claim.

It has gotten so bad that some drivers are contemplating driving without auto insurance but don’t you be one of them. Automobile insurance is mandatory if your drive a car in the state of Nevada and the penalties for driving without insurance are extremely severe and could result in your driving privileges being suspended entirely for a good long time.

The answer is to find ways of driving down the cost of your car insurance premiums and allow you to find affordable car insurance here in Nevada.

Start by maintaining a good driving record. Do not drive when drunk or impaired in any other way. The potential penalties are simply too severe. In addition to any legal problems you may face, your auto insurance rates are likely to soar if you are convicted of any moving violation, especially drunken or impaired driving.

If you smoke, consider quitting. It may be difficult to quit, but the money you save including the savings on your car insurance premiums can make all the discomfort worthwhile.

If you are in school stay there and study hard. If you are a student and you can maintain a “B” average most car insurance companies here in Nevada offer what is called a Good Student Discount.

If your parents are willing, have your car added to their policy rather than taking out a policy of your own. Most companies charge student driver’s less if their policy is attached to their parent’s policy.

If you are over 50 take a safe driver refresher course. Such courses are even offered online and the successful completion of one of these courses can save you up to 10% on your car insurance premiums.

If you are buying a car don’t get that sports car or SUV or muscle car, not unless you are prepared to pay a much higher insurance premium. However, do by a car with air bags and other safety features, as these tend to lower your auto insurance rates.

If you have two or more cars make sure they are both insured by the same company. Most Nevada car insurance companies offer a multi-car discount also, if you have a homeowner’s insurance policy or a health insurance policy or long term care policy or any other insurance policy, consider having it carried by the same company that insures your car. Most companies off a rather hefty multi-policy discount.

Be willing to pay the highest deductible you can afford. No one likes paying for any portion of an accident out of their own pocket, but the larger your deductible the lower your monthly car insurance premiums are going to be.

Lastly, go online and spend whatever time you need comparing prices and policies among a variety of companies, since prices can vary widely even for the same basic coverage. It takes effort and commitment, but if you are willing to do your homework and spend the time necessary to compare policies and prices, it really is possible to find affordable car insurance in Nevada.

Good luck!

How To Find Affordable Automobile Insurance In Washington

No one wants to pay more than they absolutely have to for automobile insurance. In Washington State many factors can play a part in your auto insurance premiums. By law, insurance companies in Washington can take many different things into consideration when giving you a quote. These range from your age to your credit history. Even though you can’t control some of these factors, there are things you can do to help ensure you find a more affordable rate.

The type of vehicle you drive obviously plays a huge part in determining how much you’ll ultimately pay in automobile insurance. Not only do some cars cost more to purchase, they also cost more to repair. Insurance companies realize this as well, and you may notice this reflected in your auto insurance premiums. Consider buying a more affordable car and watch your insurance rates drop.

Some auto insurance companies offer incentives, in the form of rebates, if you take extra precautions with your vehicle. Typically this means that if you install a car alarm, you may be eligible for a lowered premium. You’ll need to show proof of the alarm installation which might be an in-person visit to the insurance company’s office or perhaps a receipt for the work done. In either case, it’s worth asking about. Not only will you save some money in premiums, your car stands less of a chance of being broken into or stolen.

Ask any potential Washington auto insurance companies about a reduction in premiums if you take a higher deductible. Although this is going to cost you more in the event of an accident, overall it should yield an attractive savings in your annual insurance costs. Most policies come with a standard level of deductible, so make it a point to inquire before you agree to the policy.

How To Find Affordable Automobile Insurance In Tennessee

One of the easiest ways to find affordable automobile insurance in Tennessee is to purchase only the state’s minimum car insurance requirements, also referred to as liability coverage. That is, if you can swing it. In Tennessee, those requirements are as follows: $10,000 for Property Damage Liability, $25,000 for Bodily Injury Liability per person and $50,000 for Bodily Injury Liability per accident. By purchasing no more than those amounts of coverage, you’ll most likely find cheap car insurance in Tennessee.

If you choose to obtain cheap car insurance in Tennessee by means of purchasing auto coverage that handles only the state’s minimum car insurance requirements, your premiums may still vary from your neighbor’s. This is due to individual factors auto insurers use to determine your rates including gender, age, credit score, driving record and the type of vehicle you drive. However, paying for the lowest amount of coverage allowable still means you’ll most likely pay the cheapest Tennessee auto insurance rates for you.

Obtaining affordable automobile insurance in Tennessee through the state’s minimum car insurance requirements provides the least amount of coverage. Trying to purchase auto coverage to satisfy only the minimum requirements causes other problems to arise. You see, not everyone is eligible to purchase basic liability car insurance. For example, if you financed your car through a bank or another lender, you may be required to purchase full coverage car insurance. Once you own the vehicle outright, however, you can enjoy cheap car insurance in Tennessee by switching to the state’s liability insurance requirements.

Remember, Tennessee’s basic liability coverage protects just that your liability. You’ll only receive collision and comprehensive coverage if you purchase some sort of “full coverage” policy. If your budget or loan situation demands it, purchasing Tennessee’s minimum car insurance requirements in order to obtain affordable automobile insurance in Tennessee is ideal. You can always upgrade to a full coverage insurance policy when you’re ready.

How To Find Affordable Automobile Insurance In Oregon

Automobile insurance is expensive and as the price of new cars continues to skyrocket, the price of auto insurance is not likely to come down anytime in the near future. If anything, look for auto insurance rates to continue their upward spiral.

So what can you, as a good Oregon driver do to keep your automobile insurance rates affordable? Actually there are quite a few things.

If you are under 25 your rates will be among the highest in the state however, if you are in school and maintaining good grades, many insurance companies will give you a Good Student Discount.

If you own a home and have homeowner’s insurance or you have a life insurance policy check with your insurance company to see if you qualify for a multi-policy discount.

If your car has an anti-theft device, or if you add one to your car you may be entitled to a discount on your insurance. Likewise, if you pass an advanced driving safety course you may qualify for still further discounts.

If you car is being financed, your financial institution will probably require you to carry full insurance coverage, but if you own your vehicle outright there is nothing to stop you from buying only the minimum insurance required by the state of Oregon which can save you a considerable amount of money.

In fact, depending on the age of your vehicle, you could forego buying Comprehensive insurance on your vehicle at all comprehensive pays for your vehicle if it is damaged by hitting an animal, or if it is damaged by an “Act of God,” such as fire, flood, wind or hail.

Another way many people help control the cost of their automobile insurance in Oregon is by raising their deductible. Your deductible is the money you must pay out of your own pocket for an accident before your insurance pays for the rest. The higher your deductible the lower your monthly insurance payments.

So while automobile insurance is expensive here in Oregon, there are many steps you can take to keep your costs as low as possible. By putting as many into practice as you can, you should be able to find affordable automobile insurance in Oregon.

How To Find A Top Home Owner Insurance Company

There are certain factors home owners look for when selecting a home owner insurance company. They want adequate coverage, and they want it at an affordable price. They want additional coverage options that won’t turn the affordably priced policy into unaffordable. Finally, they want all of this from a reputable and financially secure home owner insurance company.

The way to get everything you want the way to find the top home owner insurance company is to start from the bottom up. Find the reputable and financially secure home owner insurance company and everything else the great coverage, the affordable rates will fall into place.

So, how do you find this top home owner insurance company?

Begin by contacting your state’s department of insurance. The insurance department can provide you with a list of names and contact information of home owner insurance companies licensed to do business in your state. Once you know which companies to choose from, you can find their financial ratings. The ratings of home owner insurance companies are provided by independent research companies.

Now that you have a list of home owner insurance companies licensed to sell insurance in your state, and are financially secure, it’s time to do some foot work. If you want to find the top home owner insurance company, start talking to your family members, friends, co-workers, and neighbors. Someone out of those groups of people will undoubtedly own a home, have a home owner’s insurance policy, and have a home owner insurance company they can recommend. If those companies match up with your state’s department of insurance, as well as boast high financial ratings, you’ve found yourself reputable home owner insurance companies.

Finally, contact these home owner insurance companies. Find out what they need in order to determine an insurance quote for your home, and then get the coverage options and price of the quote from your top home owner insurance company!

How To Find A Low Rate Georgia Home Owner Insurance Quote

A home owner insurance feature becoming widely popular among Georgia home owners is replacement cost coverage. You may want to research this feature before you start shopping for your Georgia home owner insurance quote.

What is replacement cost coverage?

Simply put, with a home owner insurance policy, replacement cost coverage will cover the entire cost of repairing and replacing your home and property, as long as the materials you use are the same, or similar, as those in your home before the damage. In other words, if your kitchen flooring was linoleum, your replacement cost coverage most likely will not pay to have hardwood floor installed in your kitchen.

If you are confused about a certain material, ask your home owner insurance agent for help determining if it is a material similar enough to your old material for your replacement cost coverage to pay for it.

Is there any fine print I should worry about?

The kind of details you are likely to find with replacement cost coverage deals with the ample time frame in which your Georgia home owner insurance company wants the repairs and replacements completed. They usually determine this amount of time to be 180 days.

All home owner insurance policies carry their own fine print, as do all home owner insurance companies. It is always wise to read the fine print thoroughly and ask your home owner insurance agent to explain any details you are not sure you understand.

So, if I have replacement cost coverage, I can replace and repair my home at no cost to me?

Almost. You have been paying your Georgia home owner insurance policy premiums, after all, right? Plus, you will have to pay your insurance policy deductible before the replacement cost feature takes effect a small amount of money when compared to what your Georgia home owner insurance company is going to fork out to replace and repair your home.

How to Find a Job in Insurance

Do you have your insurance license and are ready to take the industry by storm? Are you an experienced agent, adjuster, underwriter, or broker looking for an exciting new challenge? Regardless of the level of your insurance industry experience, looking for a new job can be a time-consuming and frequently frustrating process. A big part of the job search process is knowing where to look for insurance positions.

Licensing is an important part of working in the insurance industry. Some companies will require that you hold a current applicable license before agreeing to hire you, while others are very willing to assist you in procuring the appropriate license(s). This requirement can even vary from department to department within the same company, so it will be necessary to check on the licensing requirement for each position when applying.

The following tips and tricks are designed to take some of the headache out of your search, by giving you some guidelines on steps you can take to land your ideal insurance industry position.

Depending on the type of insurance you are most interested in, visit the recruiting departments of various insurance agencies to inquire about available positions. If there are no current vacancies, ask if you can submit your resume to remain on file should future openings match what you are seeking.

Contact recruitment and contract employment agencies that work in the insurance industry. Aligning yourself with a recruiter can give you access to jobs that are often not advertised to the public. The great thing about recruiting agencies is that allow you to “apply” for positions at multiple companies simultaneously with a single resume submittal, since most recruiters will shop your resume around to all of the available openings.

Use the internet to your advantage. Searching for “insurance”, “underwriting”, “broker”, “agent”, “adjuster” or any number of other insurance-related terms on major job boards such as Monster.com and Hotjobs.com will unearth hundreds of available openings just be aware that competition for these positions is stiff since hundreds of other professionals are looking at and applying for the exact same jobs.

Colleges and universities often have a database of available positions in the school’s Career Center. Career Center advisors are also excellent sources of information on how to network in the industry and get your foot in the door. Schools that offer business, accounting, and financial degrees are especially likely to have insurance contacts. Note though, that many school limit Career Center resource access to current students or alumni.

Network, network, network! Let friends, family, and casual acquaintances know that you are on the market for a new position. Since most companies are much more willing to interview (and potentially hire) candidates who have already been vouched for, it’s important to get the word out that you are available and seeking a new opportunity.

If you aren’t deadset on working in a particular insurance field, take advantage of the wide range of positions available in the industry. Expand your job search to investigate opportunities in:

oAuto insurance

oHealth insurance

oWorkers’ Compensation

oOther types of business insurance (such as E&O, EPLI, etc.)

oLife insurance

oHome owner’s insurance

Don’t be averse to accepting a contract, junior, or “training” position. This are often a great way to get you foot in the door in the insurance industry. It also gives you a chance to evaluate an organization and department to ensure it is a match before fully committing yourself to a long-term full-time position.

Searching insurance industry-specific job boards for available opportunities is a great way to target only those jobs that in the insurance industry.

How To Find A Cheap Car Insurance Broker

When you are looking for a cheap car insurance broker, consider shopping online. There are several benefits to shopping online for anything, and those benefits do not stop when it comes to shopping online for a cheap car insurance broker.

Shopping for a cheap car insurance broker online

pretty much ensures that you will get a quick response. Conducting business online is almost always much speedier than conducting business in person or even over the telephone. Of course, after the initial online contact you may feel more comfortable speaking with the cheap car insurance broker over the telephone or in person, which is perfectly fine. Just give him a call; by this time you will be well on your way to getting a cheap car insurance policy.

allows you to get rates from several different cheap car insurance brokers in the same time or in less time than it would take you to get a rate from one cheap car insurance broker. We know how important it is to shop around when we are looking for a cheap car insurance broker. Shopping around online is much quicker than calling or visiting several different cheap car insurance brokers. You may end up spending an entire Saturday doing what you could do in an hour online.

makes it possible to do some quick, and thorough, research about the various cheap car insurance brokers with whom you are considering doing business. You can read up on the car insurance company’s rating from any independent rating company while you chat with your friend about any experiences he or she has had with the cheap car insurance broker in question.

Consider shopping online the next time you are in the market for a cheap car insurance broker. Your search will be much quicker, more widespread, and even more thorough than if you shopped by calling or visiting each cheap car insurance broker on your list.