Miriam Hansen

What Types of Insurance Does Your Small Business Need?

If you are just starting your own small business, you may be wondering how best to protect your investment. There are many different types of business insurance policies, but not all types are right for every business. Check out these five common types of insurance your small business may need. General Liability Insurance Just about any business needs general liability insurance. This type of insurance is designed to cover common issues businesses face.

What To Do When The Insurance Company Wants You To Exclude A Driver

Auto insurance policies cover the vehicles they were purchased for, which means any damage to the cars or trucks will generally be covered regardless of who is driving them. However, sometimes insurance companies will insist a policyholder exclude a particular driver from being covered. Here's what it means if this happens to your and what you can do about it. Why the Insurer May Object to a Particular Driver The reasons an auto insurance company may want you to exclude a driver are the same reasons they may refuse to approve a potential policyholder for coverage: the person has demonstrated he or she is a high-risk driver.

4 Life Changes That Can Mean Lower Homeowner's Insurance Premiums

There are many factors that are used to calculate your homeowner's insurance premiums. Much of this is out of your control, and simply is a reflection of your home's value and location. But there are certain factors that may bring down your insurance. Some of these factors are things that come about because of changes that take place in your life. The following are four of these changes. You recently got married

4 Tips For Securing The Cheapest Car Insurance Premiums Possible

Car insurance is something that everyone needs, and in many states, it is the law to carry auto insurance. But no one likes to get a large bill for their car insurance premiums. Luckily, there are many ways to get the insurance coverage that you need without emptying your bank account. Use the following tips to help you get the lowest car insurance rates possible: Request Multiple Quotes When it comes to car insurance, every insurance company charges different rates for the same amount of coverage.

3 Great Ways to Save Money on Your Auto Insurance

Paying for auto insurance is not something you can avoid if you own a car and plan on driving it, but you should not overpay for your insurance coverage. A lot of people overpay, simply because they do not check their policies often to look for ways to save money, but you can avoid this by looking for ways to get discounts and lower premiums. Here are three great ways that you could save money on your auto insurance policy.

Three Times That You Do Not Need Rental Car Insurance

If you are going on a family vacation, or even traveling for business, you may choose to rent a car. While you may be able to go online and find one at a very good rate, you may find yourself surprised when you get to the counter and find out that they are trying to charge you twice as much as you planned. It is a good possibility that the extra fees being charged are for rental car insurance.

Going On Vacation? 5 Tips To Avoid Identity Theft

When you think about going on vacation, you think about having fun and relaxing. You plan to leave the stresses of your everyday life behind and embark on a wonderful adventure that will allow you to experience new things and make brand new memories that will last a lifetime. However, as you do this, you will settle into a routine and eventually let your guard down. Since you will be traveling, you will have sensitive documents with you – personal and financial ones – that could leave you vulnerable to identity theft if you aren't careful.

3 Things To Do Before You Apply For Auto Insurance To Help You Get Lower Rates

Auto insurance coverage rates are based on many factors, some of which drivers have no control over. Other factors, however, drivers do have control over -- and they can take steps before applying for coverage to adjust these factors in their favor. If you're going to be searching for new auto insurance coverage, here are some things you can do the month before you apply for coverage to help reduce your rates.

Factors You Control In Deciding Your Auto Insurance Premium

Shopping for an auto insurance quote can be very frustrating at times. You can watch all of the commercials on television, but it is hard to say what company is the best for you and your situation. The truth is that most insurance companies are going to be able to provide very good coverage. The difference that you will find is the price that you are going to be paying from company to company.

Get A More Accurate Car Insurance Quote With These 3 Tips

It's always aggravating to get a price estimate that seems reasonable, then learn that the actual final cost will be much more expensive. It's even more aggravating when it's something that you can't just change your mind about buying, like car insurance. But the good news is that when it comes to car insurance, you really can get an accurate quote. The insurance companies aren't trying to trick you – they want their quotes to be accurate.