When purchasing life insurance, you are often presented with the choice of term or permanent insurance.  The choices for life insurance term life insurance policies are typically 10, 15, 20, 25 or 30 years.  Choices for permanent insurance are usually whole life or universal life.  Universal life can be broken down further – traditional universal […]

life insurance is important to American families, but they procrastinate.  According to LIMRA (life insurance and Market Research Association): life insurance beat out all other sources of financial assets or income that Americans expect to use to help pay bills, and to maintain their lifestyle if the primary wage earner dies. About 7 in 10 […]

Although the chances are that motorists yet to reach the age of 25 will likely pay more for automobile coverage than a driver in a later stage of life, there are several things that these youths can do to keep the price of policies somewhat affordable. Shopping around and exploring different options is probably a […]

Unfortunately for many drivers, there are a wide number of factors that can cause an insurer to view a motorist as riskier to insure. The most obvious ways a licensed operator can end up in the market for high risk auto insurance is by committing traffic violations or being involved in multiple accidents. Being convicted […]

The state has developed a what is known as the California Low Cost Automobile Insurance Program (CLCA) to help provide individuals with a good driving record yet have a low-income with an affordable way to obtain coverage. Since it is illegal to operate a motor vehicle without liability policies, the main goal of the program […]

The cost of auto coverage is important to many, therefore getting as many quotes as possible before purchasing a policy is an absolute must in order to find a good deal. Unfortunately, many individuals base their decision simply on price and not the actual company that they are going to be insured with. Sure everyone […]

In addition to the state requiring that all motorists be financially responsible for any traffic accident that they may cause, motorists must also carry proof of financial responsibility at all times while operating an automobile. If an individual is involved in a collision, a law enforcement officer will more than likely ask for proof of […]

Past generations were not as lucky as the tech savvy shopper is now and would have to go through quite an ordeal in order to find the right deal for to satisfy auto insurance coverage needs. Whether it was deciding to go through the method of calling numerous companies or hopping in the car and […]

New Jersey residents should know the difference between the two types of coverage prior to making a decision on which to purchase. A basic policy only offers the bare minimums which are $5,000 for property damage liability and $15,000 in personal injury protection per person, per accident and up to $250,000 for certain injuries. Policies […]