Category Archives: Finance Guide

Signing up for dental insurance depends on where it comes from: workgroup plans or individual policies (also called individual plans). Open enrollment periods usually occur around November/December for group and Medicare Advantage plans. However, you can purchase dental insurance outside of open enrollment if a qualifying life event arises. Group Plans Open enrollment is an […]

If you don’t already have employer-sponsored health coverage, Obamacare (Obamacare) marketplace provides excellent options for individual and family plans as well as short-term plan options and Medicare coverage. Avoid limited-benefit health plans with low premiums but high out-of-pocket costs; these don’t represent real insurance. Instead, opt for more comprehensive health plans:. 1. Check With Your […]

State workers’ comp insurance funds provide businesses with workers’ compensation coverage when private insurers don’t. This option may be an appealing one for companies that cannot find coverage through these channels. Some states operate state funds with exclusive privileges while others provide state funds that compete with private insurers for business and offer more attractive […]

Car insurance rates vary significantly based on factors like your age, driving history and credit score; other considerations could also play a part depending on where you reside. Teen drivers typically pay more for insurance because of their inexperience on the road and increased likelihood of accidents, yet NerdWallet provides an estimate tool that allows […]

As soon as a plumbing disaster strikes, it’s essential that you contact your insurance provider immediately so they can send out an adjuster and assess the damages. However, insurance companies tend to avoid covering bathtub leaks as they believe homeowners should maintain their properties appropriately. Damage to the Bathtub Homeowners insurance offers financial protection against […]

The Knights of Columbus offers an extensive selection of life, retirement and long-term care policies through its network of insurance agents. This company holds an A+ rating with the Better Business Bureau, offering competitive life insurance policies at very reasonable rates to men who belong to Catholic fraternal organizations. Unfortunately, their policies are only available […]

Good2Go offers non-standard car insurance to drivers who might otherwise have difficulty finding coverage. Although it may appear relatively new in the insurance industry, Good2Go has been around since its founding as an affiliate of American Independent Insurance Company for over 95 years. In 2016, the company decided to consolidate its business and make it available […]

For a $250,000 home, the average annual home insurance cost in South Dakota is $1958. A total of 68% South Dakota residents have a home. This is due to the low property values. The median property value of South Dakota is $171,000. While the national median home price is $229,700, it is still a low median property value. Because of […]

Even though they are a classic invention from the 1800s, only 10% of Americans used them in 1980. The general awareness and education have improved over time. Recent polling by National Highway Traffic Safety Administration (NHTSA), shows that national belt use was at 90% by 2019. Nearly half of the 37,000 victims killed in motor vehicle accidents in […]

Buffalo is New York’s 2nd-largest City. It has more than 250,000 residents. 40% of them own at least one vehicle. Buffalo’s majority of workers commute by car, with 68% taking an average 19-minute commute to work. The average rate for car insurance in Buffalo is $1,127 for minimum coverage, and $2,292 to cover full coverage. These rates are substantially […]