Category Archives: Finance Guide

Premiums for life insurance are primarily determined by your age, health, and lifestyle. This means that people over 65 and those with pre-existing conditions will pay more to insure than people younger and healthier. When creating an insurance policy quote, life insurance underwriters take into account individual characteristics and circumstances. Although it might seem tempting to […]

No matter how costly your insurance policies may be, they will not save you from fines for traffic offenses like speeding, careless driving or DUI (Driving Under Influence). You are putting your life and that of others at risk by getting a DUI ticket. Depending on the severity of the offense, you may have to pay heavy […]

As a childminder you will have to manage the behavior of your children and ensure their safety and health. It is legal to have Childminders Insurance Protection in place in the event of an emergency. Do you provide childminding services? You need to ensure that you are adequately covered for the unexpected when you work for […]

Driving without car insurance is expensive According to the Insurance Information Institute in 2015, 13% of Americans were uninsured. Driving without insurance is dangerous and expensive. Additional fees are often added to ticket fines. You could end up paying more in fines for one offense than for your entire year of car insurance. You may be cited for driving […]

If you own a registered vehicle in Rhode Island, car insurance is legally required. You could be subject to severe penalties, such as heavy fines and restrictions on your driving privileges, if you don’t have auto insurance. Whether you currently live in Rhode Island or are planning a move to the Ocean State, it is important to understand car insurance […]

You may have to pay more for repairs if your vehicle is damaged in an accident. You should also consider other costs such as phone calls to handle claims or the financial impact of being absent from work for any reason. These miscellaneous costs are not covered by motor legal coverage. What’s the benefit? Recovery of costs, […]

It doesn’t mean you need to buy insurance if you want insurance for home improvements. It’s not a bad idea, however. This is especially true if you’re going to do the home improvements yourself. What if you’re going to hire someone else? What can you do to protect yourself against any damages that may occur while they or […]

Earthquakes can strike anywhere and at any time. You could end up paying out of your own pocket if you don’t have earthquake insurance. Standard homeowner’s insurance typically does not cover earthquake losses, with many insurance companies requiring an additional policy endorsement or rider for earthquake damage. California was hit by two earthquakes in 2019, which caused nearly $40 […]

Have you found the bike that suits your needs? You are now ready to take it out on the streets. Have you checked that your coverage is adequate for your two-wheeler before you go? You should consider a comprehensive policy if you don’t have enough coverage. Before you decide which policy you want, it is important to review a […]

The animated gecko on TV tells us to get insurance quotes that are competitive. While this is an effective way to lower our premium, there are other options. How to Reduce Your Automobile Insurance Costs A risk is a way to get a lower rate from your insurance company. The chance that you will cost […]