All I Want For Christmas Is Cheap Insurance

 

If all you are hoping for this holiday Season is to save a little money, you are in luck.

There are hundreds of ways to save on your insurance plan.

Whether you own one car or two houses, a boat and three vehicles, there are policy options for you out there!

Don’t feel like you have to tighten your belt anymore.

Cheap insurance doesn’t mean bad insurance.

Get your hands on the right price by asking the right questions.

For many of us, bills and payment plans are the last thing we want to be thinking about this time of year.

But, what if you could plan ahead and make sure that all of your ducks are in a row before Christmas starts?

What if you could save money now, and have more in your pocket for the holiday season?

The best way to start is to know what insurance is and what it can do for you.

Take your chances this winter by looking deeper into your insurance plan.

Here are some greats ways to save money and get the very best cheap insurance you can find.

 

What Should I Insure?

 

The things that you should insure depend on you and the state that you live in.

If you own a home, most people choose to have homeowners insurance to protect their assets.

This can cover things like liability for your house as well as structural damages.

In every state, you are required to have at least the minimum amount of car insurance.

This usually means liability and property damage coverage.

You see, insurance can be very simple or quite complicated.

So let’s break down your insurance policies by category.

You may not need to have insurance for all of these, or maybe one day you will.

Are you house hunting? Shopping for your teens new car?

You will want to know what you might need and how it will effect your rates.

 

Homeowners Insurance

 

What is homeowners insurance and who needs it?

Well, first of all, homeowners insurance is not the law.

Mortgage insurance is, but homeowners insurance is a choice.

Most people who take pride in their home and want to protect it, usually purchase homeowners insurance.

You have a home! What a feeling of accomplishment.

Maybe you worry that things could go wrong!

You may want to purchase liability coverage that comes with a homeowners insurance policy.

If someone is hurt in your home, you could be covered.

If something is damaged in your home, you could be covered!

There are extra options as well. Like hurricane and flood insurance.

 

Facts about homeowners insurance:

 

What is covered in a homeowners insurance policy?

 

 

Ways to save on your policy:

 

  1. Bundle your policies. Find an insurance company that will do this for you and reward you for it!
  2. Pay annually instead of monthly. It may seem like a large chunk of money going out at one time, but in reality you could save hundreds every year by paying once instead of twelve times.
  3. Only have the insurance you need. Having more liability insurance is always a good idea, but having extra insurances such as flood or fire, when you are not at risk for these damages may just add to your bill.
  4. Install security features and safety features to your home. An alarm on your front door and an internal sprinkler system will help.

 

 

Car Insurance

 

Everyone wants to know how to save money on their car insurance policy.

Most people in this country own a car.

You need one right?

To get you to work and back. Or maybe to tote your children around to soccer practice.

Not only do most families in the United States have a car, they have multiple cars.

You might be one of these. So how can you save? What insurance do you actually need?

What is the best kind of car to have for saving on insurance?

Let’s look deeper into solutions to these questions. You might be surprised at what you find.

If you are traveling this holiday season, you will want to make sure your insurance policy is up to date and covers everything.

 

How much insurance am I required to have?

 

This depends on if you have a loan out on your car. It also depends on what state you live in.

But the rule of thumb for car insurance is that your minimum coverage is liability.

Liability always covers the other person involved in an accident.

This means that if you are in an accident, your insurance will pay out the other party for damages.

This does not cover you. Most people buy more insurance than the minimum for this reason.

 

Here is the breakdown:

There is a minimum amount of insurance that you must have in California:

These cheap car insurance options will only protect the other party involved in a crash. There are other options which will protect your and your own vehicle.

More than just the minimum may include:

Savings…

 

Truth be told, you might as well get your car fully covered.

You will want to feel protected this holiday season.

But don’t let this scare you.

You can still save on your car insurance in many ways.

One way is to bundle. If you own a home, or a motorcycle, bundle this with your car insurance.

Take a drivers safety course and keep a good driving record.

Your insurance company will reward you for this.

Every year that you are safe behind the wheel, you can watch your policy rates drop.

It is a good idea to talk to a broker.

They have a better idea of what you might need and which insurance companies offer what you are looking for.

Just like with a homeowners policy, paying once a year instead of monthly will save you money in the end.

You might also qualify for discounts through an organization.

Are you a veteran? Do you belong to AAA?

 

Motorcycle Insurance

 

Motorcycle insurance is very similar to car insurance.

In most states you have the same minimum coverage required as your vehicle.

Keep in mind that it is much more dangerous to ride on two wheels than to drive on four.

Having a good motorcycle insurance plan is key to keeping you safe and alive this winter season.

The good news is that you can get all of your gear covered as well.

Motorcycle helmets are not cheap, so getting them covered may be beneficial.

Talk to your broker about this and what other savings you may qualify for when attaining cheap motorcycle insurance.

 

Life Insurance

 

Most people don’t spend a lot of time talking about life insurance.

Life insurance is a very important part of living and taking care of ones family.

Do the right thing and be prepared. You will not regret planning for the future.

Think of life insurance as protection for your loved ones and peace of mind for you.

 

What is life insurance and what can it do for my family?

More about life insurance:

 

 

All I Want This Christmas…

 

You may have a better idea about what kind of insurance you and your family need this holiday season. The holidays are a perfect reminder about what is important in life. How can we better protect ourselves and the ones we love. All you want for Christmas is a cheaper insurance policy? Read this blog and call your broker. Find ways to cut costs and ask about discounts. There is no right answer, but there is only the answer that is right for your own family. Know the laws and regulations for insurance in your state. Be informed!  This is the number one way you can save money. Don’t be afraid to add that new car to your christmas list this winter. Live your life and save by knowing your rights as a consumer.

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