Insurance

Avoid Paying Unnecessary Car Insurance

May 13, 2011

I’ve been trying for years to reduce my car insurance bill. But for some reason, no matter how good of a driver I am and how much older I get, it doesn’t happen.  I drive my car less than almost any other American, and I still pay over $100 a month just for liability coverage.  [...]

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Have You Used the Progressive iPhone App?

May 2, 2011

It seems like just about every big company out there has developed an iPhone app. The problem is that so many of the apps are not very good. They are just not that useful. For this reason, the Progressive Insurance app caught my attention. Currently, Progressive has over 12 million premiums, which makes it the [...]

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The Pros and Cons of Whole Life Insurance

April 25, 2011

In the context of life insurance marketing, you probably see far more advertisements for term life insurance than whole life insurance.  The reason for this is term life insurance is almost always the better option.  However, like most financial decisions, there are costs and benefits that come with each respective life insurance option. Term life [...]

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A 60-Second Guide to Life Insurance for Smokers

March 2, 2011

Both my mom and her mom were smokers. My mom still is. My grandmother stopped smoking when we used her failing memory to trick her into thinking she had quit smoking years ago. Not exactly the proudest moment in my life, but it got the job done. I plan to use the same strategy with [...]

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Why Term Life Insurance is the Smart Life Insurance

February 24, 2011

When making financial decisions, we like to stress that circumstances matter.  Your wants and needs make one decision good for you and another decision good for me.  This is less true, though, in deciding whether to purchase term or whole life insurance.  Term life insurance is almost always the better option.  First, let’s get an [...]

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Insurance Lingo 101 – What is Personal Injury Protection (PIP)?

February 16, 2011

A few weeks ago, I got in a car accident near my home in southern California.  My car was toast, but luckily the other driver and I both walked away without sustaining any injuries.  If we weren’t so fortunate, and instead ended up in the hospital, we might be exploring whether our auto insurance policy [...]

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Filing an Auto Insurance Claim Might Not Be the Best Idea

February 14, 2011

Your car insurance provider frequently tells you to report even the most minor car accident.  Contrary to these instructions, sometimes it’s best not to file an insurance claim.  A few years ago, I was in a minor fender bender with another car.  I admit, it was definitely my fault.  But the damage was minor, and [...]

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How Financially Fit is Your Insurance Company?

February 13, 2011

Whether we like it or not, insurance companies are a very important part of our lives. Depending on the coverage one buys, we rely on insurance to cover loss on our cars, homes, health, and life. Basically, we look to insurance to protect some of the most important and most valuable aspects of life. And [...]

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What Kind of Life Insurance Policy Is Right for You?

February 7, 2011

There is no doubt that as one gets older it is important to plan for the future. Investments and savings are certainly great to have but life insurance may supplement long-term planning goals, especially if you are worried about providing for your loved ones if you are not around. Life insurance is a contract between [...]

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