Insurance

If you’re looking to purchase life insurance, you’ve probably noticed that rates are more expensive overall for men than they are for women. But why exactly is this?. Men are generally more high-risk policyholders than women, so this increased risk is compensated for with higher monthly premiums. Determining factors include:. Shorter life expectancyRiskier hobbiesMore likely...

Right behind Louisiana, Texas is the state with the second-most expensive homeowners insurance in the country—but why is the cost so high? The price of homeowners insurance depends on numerous factors, including your location and the age of your home. However, there are other factors that have caused a recent spike in insurance prices in...

There is usually one important factor that affects your ability to get approved for a life insurance policy: your medical history. During the COVID-19 pandemic, many people have grown concerned about whether a COVID-19 diagnosis can have an impact on their life insurance.The COVID-19 pandemic has forced life insurance providers to consider medical history in...

If you’re renting a property in Phoenix, such as a house or an apartment, you should strongly consider purchasing a renters insurance policy. Renters insurance protects your belongings inside and outside of your home during an emergency. For example, if there is a kitchen fire in your property, your renters insurance coverage can reimburse you...

No state in the United States requires by law that renters have a renters insurance policy—Still, the decision to purchase renters insurance is one that you won’t regret. In some cases, getting renters insurance is a personal decision. In other cases, landlords will state in your lease that it is mandatory to have a policy....

Purchasing renters insurance is one of the smartest financial decisions that you can make as a renter. At the young and booming insurance company Lemonade, you can find good renters insurance that will protect you financially in the event of an emergency in your rental space. In fact, Lemonade provides some of the most reliable...

If you’ve been thinking about purchasing new car insurance, you may have heard about Progressive’s Name Your Price Tool during TV commercials. But, what is it exactly? Can it truly save you money on car insurance? Below, we discuss what the Name Your Price Tool is, and how you can use it to your benefit...

One of the most common reasons for expensive car insurance is due to having several accidents on your driving record—but, that’s not always the case. Even if you have an accident-free driving record, there are still other reasons as to why you can’t seem to find a lower car insurance rate. It could be the...

No matter the age, occupation, or income, everybody should consider getting life insurance to plan for the unpredictable future. Most people will opt for a standard term life insurance product that sets them up to pass money down to loved ones after their death. Usually, this type of basic plan meets the needs of most...

Nonprofit car insurance companies can sometimes offer lower rates.Private insurers spend a fortune on advertising. If we were to tell by their advertising alone, it would seem that Geico, Progressive, and Farmers have plenty of cash to burn. The lower overhead and marketing spend of nonprofit insurance companies gets passed as savings to policy holders...

You can make your trips to the DMV less stressful by preparing beforehand—which includes understanding the state-required insurance limits. You may face difficulty in determining how you can meet or exceed the auto insurance requirements in Kentucky. Below, your can learn about the Kentucky DMV insurance requirements, as well as the rules mandating minimum car...

The state of Oklahoma requires all drivers to have minimum liability car insurance, but you don’t need to spend a fortune. All across Oklahoma, there are insurance providers that offer discounts that can help you save money and protect yourself, your passengers, and your vehicle. Check out this review on affordable minimum liability car insurance...

If you are a new homeowner who owns a pit bull, you should be aware that certain dog breeds like pit bulls might not be covered by regular home insurance. This is because pit bulls have a reputation as a “dangerous breed,” and homeowner’s insurance usually becomes more expensive when the company assesses that their...

If you’re pulled over by the cops for a traffic violation and fail to provide proof of insurance, you can receive a pricey ticket—especially if it’s not your first offense. The fine for not showing proof of insurance varies state by state and can range anywhere from $35 to $5,000. If you have car insurance...

Many sources will tell you that you cannot negotiate for a discount on your auto insurance rates. Your insurance company wants you to think that you cannot negotiate for a discount on your auto insurance rates. But that is not true. You can — you just need to know-how.. While the party line from insurance...

Working in law enforcement is a challenging task that comes with a high degree of responsibility and stress. To show their appreciation for the hard work of police officers, many top insurance providers offer car insurance discounts for law enforcement. Simply being a member of a law enforcement agency will often provide you with a...

Bipolar disorder is a mental health condition known for causing periods of extreme happiness, followed by periods of extreme sadness. While the severity of the condition varies, bipolar disorder can also be characterized as a disability in all cases, which can affect car insurance premiums.. Typically, insurance companies do not offer discounts for a diagnosis...