Content Preview :
"Auto Insurance Tips That Work And Save You Money".
1. Shop around. The difference in price between various companies can be significant. What one company may consider a high risk factor another company may not view as so important. When receiving quotes be sure to ask the agent does the company charge any endorsement fees? These fees can range from $20 to $30 just for making any type of change to your existing policy. By comparing multiple auto insurance quotes, you could discover hundreds of dollars of savings. A particularly good time to investigate your alternatives is when your current policy is about to be up for renewal, especially if you find that your premium has gone up. You may be surprised to learn that auto insurance premiums for the exact same coverage on the same car can vary widely (by hundreds of dollars) between different insurers, even in states that regulate auto insurance rates. Going without insurance is generally not an option. In most states, you are required by law to purchase a minimum amount of liability coverage for the car you own and drive. Also, you should probably have more than just the bare minimum if you want to provide yourself with adequate protection.
2. Buy a lower profile car. Cars are rated on a risk scale for auto insurance purposes. In general, sports cars and other high-performance, flashy vehicles are classified as higher risks because they are common targets for thieves and vandals, and because statistically, the people who own them tend to drive more recklessly. If you own such a vehicle, you will likely pay a higher premium than if you owned a station wagon, sedan, or other low-risk vehicle.
3. Consider Third Party Only coverage. A third party only insurance policy is the minimum amount of coverage legally required - it is also the cheapest. Generally speaking you should consider opting for this type of policy if your vehicle is of low value. In the unfortunate event of having an accident, any damage to a third party vehicle will be covered but any damage to your vehicle is not. However, if your vehicle is of little value then you may not be too concerned. It may not be worth paying extra for a Fully Comprehensive policy in these circumstances.
4. Maintain a good credit rating. More and more insurance companies are adopting credit scoring techniques as part of the overall calculation of your car insurance premium.
Download Free ebook Auto Insurance Tips That Work And Save You Money.Pdf
Showing posts with label Insurance. Show all posts
Showing posts with label Insurance. Show all posts
Monday, December 15, 2008
Sunday, December 14, 2008
INTERNATIONAL TRAVEL INSURANCE POLICY pdf
Content summary :
The University provides International Travel Insurance to University ... information regarding the University’s international insurance program and travel ...
Download Free ebook INTERNATIONAL TRAVEL INSURANCE POLICY.pdf
The University provides International Travel Insurance to University ... information regarding the University’s international insurance program and travel ...
Download Free ebook INTERNATIONAL TRAVEL INSURANCE POLICY.pdf
Saturday, December 13, 2008
LIFE INSURANCE Eligibility Effective Date of Coverage Change in pdf
Content preview:
Critical Illness Benefit
LIFE INSURANCE also includes a Critical Illness benefit equal to $5,000. This additional benefit will pay insureds a lump sum amount (benefit may be taxable for Option 1 and is nontaxable for Options 2-13) upon the first-ever confirmed diagnosis of several life threatening covered illnesses or medical procedures including heart attack, open heart surgery, cancer, kidney failure, and stroke. Critical Illness insurance provides employees flexibility once a serious illness is encountered, which will avoid the need to access life savings for those expenses not covered by health insurance or disability. No enrollment is necessary to receive the Critical Illness insurance since it is part of the group life insurance policy.
Proof of Insurability
New hires or newly eligible employees applying for coverage requiring proof of insurability must complete a “Statement of Health” form. If all requested underwriting requirements are not completed within 90 days from the effective date of coverage, the application will be denied. The employee must wait until the next annual NUFlex enrollment to reapply for coverage.
Increasing coverage at the annual NUFlex enrollment requires the completion of a “Statement of Health” form. If all underwriting requirements are not completed by March 1, applications will be denied and the employee must wait until the next annual NUFlex enrollment to reapply for coverage.
Life insurance premiums for the total amount of coverage elected will be withheld beginning on the effective
Download Free ebook LIFE INSURANCE Eligibility Effective Date of Coverage Change in.pdf
Critical Illness Benefit
LIFE INSURANCE also includes a Critical Illness benefit equal to $5,000. This additional benefit will pay insureds a lump sum amount (benefit may be taxable for Option 1 and is nontaxable for Options 2-13) upon the first-ever confirmed diagnosis of several life threatening covered illnesses or medical procedures including heart attack, open heart surgery, cancer, kidney failure, and stroke. Critical Illness insurance provides employees flexibility once a serious illness is encountered, which will avoid the need to access life savings for those expenses not covered by health insurance or disability. No enrollment is necessary to receive the Critical Illness insurance since it is part of the group life insurance policy.
Proof of Insurability
New hires or newly eligible employees applying for coverage requiring proof of insurability must complete a “Statement of Health” form. If all requested underwriting requirements are not completed within 90 days from the effective date of coverage, the application will be denied. The employee must wait until the next annual NUFlex enrollment to reapply for coverage.
Increasing coverage at the annual NUFlex enrollment requires the completion of a “Statement of Health” form. If all underwriting requirements are not completed by March 1, applications will be denied and the employee must wait until the next annual NUFlex enrollment to reapply for coverage.
Life insurance premiums for the total amount of coverage elected will be withheld beginning on the effective
Download Free ebook LIFE INSURANCE Eligibility Effective Date of Coverage Change in.pdf
Wednesday, December 10, 2008
Attorney general get the facts on auto credit insurance pdf
Content Inside:
POINTS TO REMEMBER "ATTORNEY" GENERAL: GET THE CREDIT FACTS ON "AUTO CREDIT INSURANCE" INSURANCE POLICIES by Texas Attorney General Greg Abbott INSURANCE COMPANIES OFTEN NET- through Texas auto dealerships. Their When buying a car, consumers should
� Review contracts carefully to avoid WORK with automobile dealerships policies, which provided coverage for review contracts and invoices carefully purchasing an unwanted insurance policy. to offer credit insurance policies that the duration of vehicle loans,were sold to make sure they are not buying an insulate vehicle purchases in the as single-premium policies. Purchasers unwanted credit insurance policy.
� Check the "Truth in Lending" statement in event of a personal tragedy. These paid a single lump sum; that is, the Some policies add as much as $500 to loan agreements to determine whether policies fulfi ll borrowers' obligations entire cost of the credit insurance policy $1000 to the price of a vehicle. an insurance policy is required. to their lenders if the borrower dies was bundled into the buyer's total loan. Consumers should also check or becomes disabled. Because credit Some affected vehicle loans lasted up the "truth in lending" statement on
� Remember that Texas law entitles credit insurance policies provide coverage for to six years. their loan agreement to see whether insurance purchasers to unearned premium the full term of the vehicle loan, many Consumers who cancelled their insurance is required. Buyers always refunds if the purchaser cancels the policy consumers who pay off their loans policies or paid off their loans ahead should be cautious of high-pressure or pays off the loan early. early are entitled to have their unearned of schedule were promised refunds for sales pitches for unnecessary goods or To ask about a particular credit insurer premiums refunded. their unearned insurance premiums. services, including add-ons like credit or fi le a complaint, contact: Investigators with the Offi ce of the Investigators found, however, that insurance. Attorney General have discovered that Enterprise and others our office has Consumers who decide to buy credit Texas Department of Insurance many credit insurance companies are investigated retained the unearned insurance policies should be aware that (800) 252-3439 not complying with the Texas Insurance premiums. the premium is added to the vehicle Code, which requires credit insurers to Under the State's agreement with loan so they will have to pay interest on For more information on this and refund these unearned premiums. As Enterprise, more than 21,000 Texas it.
Download Free ebook ATTORNEY GENERAL GET THE FACTS ON AUTO CREDIT INSURANCE.pdf
POINTS TO REMEMBER "ATTORNEY" GENERAL: GET THE CREDIT FACTS ON "AUTO CREDIT INSURANCE" INSURANCE POLICIES by Texas Attorney General Greg Abbott INSURANCE COMPANIES OFTEN NET- through Texas auto dealerships. Their When buying a car, consumers should
� Review contracts carefully to avoid WORK with automobile dealerships policies, which provided coverage for review contracts and invoices carefully purchasing an unwanted insurance policy. to offer credit insurance policies that the duration of vehicle loans,were sold to make sure they are not buying an insulate vehicle purchases in the as single-premium policies. Purchasers unwanted credit insurance policy.
� Check the "Truth in Lending" statement in event of a personal tragedy. These paid a single lump sum; that is, the Some policies add as much as $500 to loan agreements to determine whether policies fulfi ll borrowers' obligations entire cost of the credit insurance policy $1000 to the price of a vehicle. an insurance policy is required. to their lenders if the borrower dies was bundled into the buyer's total loan. Consumers should also check or becomes disabled. Because credit Some affected vehicle loans lasted up the "truth in lending" statement on
� Remember that Texas law entitles credit insurance policies provide coverage for to six years. their loan agreement to see whether insurance purchasers to unearned premium the full term of the vehicle loan, many Consumers who cancelled their insurance is required. Buyers always refunds if the purchaser cancels the policy consumers who pay off their loans policies or paid off their loans ahead should be cautious of high-pressure or pays off the loan early. early are entitled to have their unearned of schedule were promised refunds for sales pitches for unnecessary goods or To ask about a particular credit insurer premiums refunded. their unearned insurance premiums. services, including add-ons like credit or fi le a complaint, contact: Investigators with the Offi ce of the Investigators found, however, that insurance. Attorney General have discovered that Enterprise and others our office has Consumers who decide to buy credit Texas Department of Insurance many credit insurance companies are investigated retained the unearned insurance policies should be aware that (800) 252-3439 not complying with the Texas Insurance premiums. the premium is added to the vehicle Code, which requires credit insurers to Under the State's agreement with loan so they will have to pay interest on For more information on this and refund these unearned premiums. As Enterprise, more than 21,000 Texas it.
Download Free ebook ATTORNEY GENERAL GET THE FACTS ON AUTO CREDIT INSURANCE.pdf
Subscribe to:
Posts (Atom)