When You Buy Insurance Word Count: 964 Summary: Want to save some money on your insurance next year? Try these eight tips from Quicken for Dummies author & CPA Stephen L. Nelson. Keywords: insurance, financial planning Article Body: By following the eight rules explained here, you can save money, and just as important, you can save yourself from making serious mistakes when you shop for and acquire insurance policies. Rule 1: Buy Insurance Only for Financial Risks You CanÆt Afford to Bear on Your Own The purpose of insurance is to cover catastrophes that would devastate you or your family. DonÆt treat insurance as a chance to cover all your losses no matter how small or insignificant, because if you do youÆll fritter away money on insurance you really donÆt need. For example, if your house caught fire and burned down, you would be glad you had homeownerÆs insurance. HomeownerÆs insurance is worth having, because you likely canÆtùand you certainly donÆt want toùcover the cost of rebuilding a house. On the other hand, insuring an old clunker is a waste of money if the car is only worth $800. You would be throwing away money for something you could cover yourself if you had to. Rule 2: Buy from Insurers Rated A or Better by A.M. Best Insurance companies go bust, they are bought and sold, and they suffer the same economic travails that all companies do. Between 1989 and 1993, 143 insurance companies declared bankruptcy. You want to pick a reliable company with a good track record. A.M. Best is an insurance company monitoring service that rates insurance companies on reliability. Look for insurers rated A or better by A.M. Best, and periodically check to see whether your insurer is maintaining its high rating. If your insurer goes down a notch, consider finding a new insurance company. You can probably get A.M. BestÆs directory of insurance companies at your local public library, and you can find A.M. Best on the Web at www.ambest.com. Rule 3: Shop Around There are many, many, many kinds of insurance policies, and insurers donÆt advertise by price. You need to do some legwork to match your needs with the cheapest possible policy. Talk to at least two brokers to start with. Look for no-load insurance companiesùcompanies that sell policies directly to the public without a broker taking a commissionùsince they usually offer cheaper prices. Rule 4: Never Lie on a Policy Application If you fib and get caught, the company can cancel your policy.
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Tifany Sabina Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Tifany Sabina Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Tifany Sabina Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Tifany Sabina Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Tifany Sabina Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Tifany Sabina Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Tifany Sabina Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Tifany Sabina Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Tifany Sabina Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Tifany Sabina Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Tifany Sabina Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Tifany Sabina Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Tifany Sabina Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Tifany Sabina Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Tifany Sabina Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Tifany Sabina Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Tifany Sabina Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Tifany Sabina Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Tifany Sabina Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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