Comparing insurance providers should be as hassle-free as possible. Wirefly allows you to read reviews and compare rates on various insurance companies to quickly find the best insurance. You can get started by inputting your ZIP code in the box below. Comparing features and rates from multiple insurance providers allows you to make an informed decision while shopping for the best insurance possible. Get a free insurance quote online with Wirefly.
No matter where somebody lives, they’re most likely going to require auto insurance as nearly all states require it. Car insurance premiums will fluctuate based on where the driver lives, the driver’s age as well as their accident history. Since multiple car insurance companies may view these risk factors differently, it always pays to shop around for the best auto insurance rate.
It’s also prudent to shop for auto insurance annually as a better deal may become available. Drivers should also reevaluate their coverage if circumstances change. For example, a family might have a teenager who is old enough to need coverage. Another example is if the family moves from one ZIP code to another. Even if the move is within the same state, the car insurance rates can change dramatically when moving to a different ZIP code.
It’s tragic to consider the hardships that a family goes through when something happens to their home. Fortunately, there is home insurance available to help cushion the blow of hardships or accidents that affect the livability of a home. Although home insurance is technically not required in the United States, the bank providing the homeowner their mortgage will typically not sign off until homeowners insurance is in place.
Another great benefit of homeowners insurance is that it gives families a chance to bundle their various insurance plans under one company. A family could include their home, auto and life insurance policies with the same company and receive a discount on the entire bundle.
It’s a small tragedy that people don’t start buying life insurance until they are well advanced in age. The phrase “life insurance” is a bit of a misnomer. Life insurance doesn’t so much insure the person who buys the insurance as it provides for the family who is financially dependent upon the person who is insured. A good question to ask yourself is to see who would be affected if you are no longer alive. If there are people who need some type of income stream if you were to pass away, then you would be a good candidate for life insurance.
Purchasing adequate health insurance is something that occupies the minds of many Americans. Everyone gets sick or injured at some point in their lives. In addition, many people will have miscellaneous medical expenses (such as medication prescriptions or eyeglasses) and regular doctor visits. Purchasing individual health insurance will likely be cheaper than acquiring health insurance that originates from a group health insurance plan. Individuals who wish to purchase health insurance face stricter medical underwriting checks compared to group health insurance plans who accept all eligible candidates for coverage.
Business insurance is an area where you’ll most likely need an experienced broker to craft a plan for your specific business needs. Businesses come in all shapes and sizes and have insurance requirements unique to their risk profile. Enter your ZIP Code in the box at the top of this page to get in contact with a business insurance provider who can discuss your specific situation. Click here to get a business insurance quote.
Dental health is unfortunately neglected by many Americans. The good news is that those who have dental insurance regularly see their dentists annually. If you were to look at the teeth of those with dental insurance versus those without, you’d see that having dental insurance is a great way to keep your teeth and gums healthy. Many people will just use their dental insurance for twice annual teeth cleaning and checkups. If the dentist were to find anything wrong during those visits, it can be great peace of mind knowing that dental insurance is there to cover any additional work that needs to be done.
Long-Term Care Insurance
A majority of all healthy adults will need at least some long-term medical care during their lives. Although family will sometimes come to the rescue, this places a burden on them to be medical care providers. The cost of caring for disabled family member is also something that must be considered.
Make sure that any long-term care insurance that is purchased is properly qualified for preferential tax treatment. These long-term care plans can be used to offset your income (as part of your itemized deductions) and lower the overall taxes that one pays.
It can be sobering to think what would happen to someone who becomes disabled and can’t work anymore. If that person doesn’t have disability insurance, then the entire family might not be able to pay their bills. Someone who gets injured can’t then apply for disability insurance after the fact. For disability insurance to be effective, a person needs to sign a policy while they’re still healthy.
Renters insurance protects renters against damages to their property that would be no fault of their own. Conversely, renters insurance also protects renters if they might be liable for something like a fire that starts in their apartment. Without renters insurance, a renter might have to pay the landlord for the extensive damage that there accident caused.
Riding a motorcycle is a dangerous mode of transportation. Just like auto insurance, all states are going to require that a motorcycle rider gets proper insurance before riding on city roads.
Pet insurance is becoming more and more popular as people are now accustomed to viewing their pets as integral parts of their families. Pet insurance is a great way to have cost certainty about your pet’s medical expenses. It will also give peace of mind knowing that an insurance company will help pay for any medical expenses your pet could incur.
Boating is a great leisure activity that has various expenses involved. Boating insurance is one such expense that boat owners know they have to pay for. Just like cars need insurance before they can be driven on roads, boats need insurance before they can be driven on waterways.
Insurance Providers and Risk Management
Signing on with an insurance provider allows an individual to exchange money for insurance during bad times. Insurance companies are therefore providing a risk management service in exchange for money. As the insured pays monthly premiums, the insurance company will reimburse lump sums at certain periods for items covered under the insurance policy.
Auto Insurance Providers
Almost every state requires that drivers have auto insurance to be legally compliant when driving their car. Many drivers will elect to get the most basic plan possible to save money on monthly premiums. This is not always the best route to go as increasing your premium can also increase the coverage you receive dramatically.
For example, car insurance may have limits on the bodily injury liability that it will pay out regarding medical expenses incurred by the insured as well as other people involved in the accident. Property damage liability covers damages to property as a result of a vehicle accident. A car crash might cause destruction to the yard of someone not involved in the accident.
Uninsured motorist bodily injury policies will make sure that you and your passenger's medical expenses are covered if you are involved in an accident with an uninsured motorist. This policy also comes into play during hit-and-run accidents.
A personal injury protection stipulation helps cover medical and funeral expenses for anyone that is injured in your vehicle. The personal injury protection coverage is available for all no-fault states.
Geico (and its lizard) remains one of the biggest auto insurers. They currently cover over 15 million vehicles. Other car insurance options for drivers include Nationwide and Progressive.
Home Insurance Providers
Homeowners insurance premiums will vary depending upon the coverage type that your policy provides. Some locations will have riders attached for flood insurance, while other areas of the country will have hurricane insurance included. An important caveat is to check if your policy is written for the replacement value of your house or just the depreciated value.
Two of the more popular home insurance providers are State Farm and Allstate. State Farm insures over 13 million homes, while Allstate (originally part of the Sears company) regularly receives high grades for its coverage policies.
Other Insurance Providers
Those looking to sign on with a health insurance provider need to select what type of plan they want. In addition to selecting the type of plan (PPO, HMO or HSA), an individual should decide if they want a low premium/high deductible plan or a catastrophe only policy. The type of policy that one chooses will depend on how much they want to pay out of their own pocket before the health insurance starts paying out.
Two of the most popular health insurance companies are Aetna and Humana. Aetna offers behavioral health and dental policies to round out its long-term care and health insurance options. Humana also offers Medicare and critical illness coverage.
People who are in the market for life insurance will have two options to choose from: whole life or term life. A whole life insurance policy exists for the entire lifetime of the owner of the policy. A term life policy has an expiration date attached to it. Because of this reason, term life policies are less expensive than whole life policies. Two companies that offer both forms of life insurance are MetLife and Prudential. MetLife is also well known for offering IRAs, while Prudential also offers annuity investments to their members.
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