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Rachel Spear

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4 Tips for Buying Car Insurance

Like most things in life, a one size fits all policy doesn’t exist when buying car insurance. State minimums are a good place to start but those often don’t provide enough coverage to protect you and your family. Depending on your car’s make, year and model, a car insurance policy containing full collision coverage and all the bells and whistles may be too much. So how do you go about buying car insurance that offers the right amount of coverage at the best value? The key — talking openly with your insurance agent. Tip #1: Shop Early The best time to shop for a new car insurance policy is before your current policy expires, when a new driver is coming on board, or when you purchase a new vehicle. You can typically get a discount if shopping before your current policy expires. Start looking 30 days ahead of your policy’s…

Understanding Home Insurance Coverage

Whether you’re a first-time homebuyer or someone looking for different home insurance coverage on the house you’re already in, comparison shopping is key to getting the homeowners insurance at a fair price. After all, insurance adds to the monthly cost of home ownership and needs to fit comfortably within your overall budget. Here are some basics for anyone seeking home insurance coverage. If You Have a Mortgage, Home Insurance is a Must When you buy a new house, your lender will require home insurance to complete the loan. As long as your lender holds the title on your home (i.e., until you pay off your mortgage) insurance needs to stay current. You can change providers, but you need to keep your home insurance coverage up to date to protect your lender’s investment. Homeowners Insurance Coverage Basics Insurance policies involve painstaking detail that can leave anyone feeling lost. Here are some…

How to Find the Best Homeowners Insurance in Kansas

The national average for homeowners insurance premiums is $1,083 but the Kansas average is nearly $500 higher at $1,548. Kansas ranks second in the nation for tornados each year and tornados account for a major share of catastrophe losses because of their frequency but it is the wind and hail damage that really impact the price Kansans’ pay for homeowners insurance. Because of the regularity of wind and hail racing across the Kansas plains, it’s especially important to have thorough homeowners insurance coverage. There were more than $808 million worth of insurance claims issued in Kansas last year. It’s clear there are plenty of severe weather events that require widespread homeowners insurance protection. Find the Best Homeowners Insurance in Kansas Shopping for a great homeowners insurance policy in Kansas doesn’t have to be challenging. Your SelectQuote agent will work with you to find a home insurance policy that works best…

How to Find the Best Homeowners Insurance in Georgia

As the country’s top producer of peanuts, pecans and peaches, Georgia knows a thing or two about delicious treats. But what isn’t so sweet is the cost of homeowners insurance in Georgia. The average homeowners insurance premium in Georgia is $1,200. The national average comes in at $1,083. Having the right homeowners insurance in Georgia is essential. Higher than average homeowners insurance premiums in Georgia may be attributed to devastating weather events. Because Georgia has more than 2,000 miles of coastline, it is in a prime location for hurricane and wind damage to homes. Sea level is rising more rapidly in Georgia than along other coast because land is sinking. Combined with an increase in intensity in tropical storms over the past 20 years, Georgia residents have some strikes against them when it comes to the price to pay for homeowners insurance. It’s important to protect your home and its…

How to Get Life Insurance with a Chronic Illness

Getting life insurance with a chronic illness is not impossible. But many people don’t even try to find life insurance coverage because they assume it’s impossible. While 54 percent of adults with chronic conditions carry no life insurance, SelectQuote has agents trained to help people get life insurance with a chronic illness.   Health issues impact more than 133 million Americans – 45 percent of the population – have at least one chronic illness. Increasing numbers of adults live with a chronic illness such as obesity, asthma, cancer, high blood pressure, depression, sleep apnea, diabetes and other medical conditions. While the young and healthy are prime candidates for lowest life insurance rates, getting life insurance with a chronic illness may not be a barrier. Life insurance companies each have their own underwriting standards. They consider the following: Date of diagnosis Your treatment or maintenance program How you manage your health with…

Best Homeowners Insurance in California

Homeowners insurance in California is important protection for your home and its assets. It’s an expense that also impacts your budget. The national average for an annual home insurance premium is $1,083. In California, the average annual home insurance premium is $1,000.  Californians are used to paying more for things but the average homeowners insurance premium is slightly lower than the national average. However, that is changing. The surge in wildfires is contributing to increase in insurance premiums. According to Verisk’s 2017 Wildfire Risk Analysis, 2 million home were classified in California at high or extreme risk of wildfire. Wildfire losses added up to more than $5 billion over the past decade. As the state with the largest population, California is home to several large cities and varied landscapes, including mountains and desert. In addition to wildfires, earthquakes, drought, landslides and flooding are natural disasters that can impact home insurance…

Best Homeowners Insurance in Texas

The adage everything is bigger in Texas also includes homeowners insurance premiums. Homeowners insurance in Texas are among the top 10 most expensive in the United States. Homeowners insurance in Texas is important protection for your home and its assets. In Texas, the average annual home insurance premium is $1,937. That figure is quite a bit higher than the national average for an annual home insurance premium of $1,083. High homeowners insurance premiums in Texas can be attributed to an abundance of severe weather events, including floods, tornados and even hurricanes that punished the state over the last few years. Texas falls behind California as the second largest economy in the United States. The economic impact of natural disasters, such as 2017’s Hurricane Harvey, totaled $190 billion. With a large land area and the second most populous state behind California, the Texas countryside and cityscapes vary from arid in the…

Life Insurance Calculator: How Much Life Insurance Do You Need?

Do you know how much life insurance is the right amount for you? Take a few minutes walking through our Life Insurance Calculator for the answer. And even if you have life insurance today, is it enough? It may cover your family’s expenses so take time to make sure you have enough life insurance coverage. About 1 in 5 with life insurance admit they do not have enough. No matter your situation, when it comes to figuring out how much life insurance is the right amount, our Life Insurance Calculator can help you get organized around your life insurance needs and recommend a coverage amount. Understanding your needs goes a long way in helping one of our licensed SelectQuote agents assist you in finding the right policy and get you a quote for life insurance. We shop many highly rated life insurance companies to save you time and money. Life Insurance Calculator:…

How to Find the Best Homeowners Insurance in Missouri

The national average for homeowners insurance premiums is $1,083 but in Missouri, the average insurance premium comes in at $1,280. Missouri’s geography in the center of the U.S. lends itself to its fair share of natural disasters in the form of ice storms, tornados, floods and wind and hail. All of these weather events impact the price Missouri residents pay for homeowners insurance. Weather incidents accounts for more than half of all homeowners insurance claims across the country. In Missouri, it is the wind damage, frozen pipes that burst, roof leaks and ice dams that contribute to home damage that may require help from homeowners insurance. Missouri residents are familiar with extreme heat and cold that impacts residents across the state every year, which contribute to the need for purchasing a solid homeowners insurance policy. Find the Best Homeowners Insurance in Missouri In Missouri, when you need homeowners insurance, let…

How to Get Dental Coverage on Medicare

If you’re wondering how to get dental coverage once you’re on Medicare, look no further. Dental coverage is important when dealing with tooth decay, gum disease, receding gums and oral cancer. These are just four of the top dental problems experienced by older adults. Regular visits to your dentist help with prevention and early detection. This can save you pain and money down the road. In fact, the American Dental Association recommends visiting the dentist once or twice a year, if not more often. Luckily for those age 65 and older, dental coverage on Medicare comes with several options to protect both your oral health and your wallet. No Dental Coverage on Original Medicare Original Medicare – Parts A and B, don’t cover most dental services. Cleanings, fillings, tooth extractions, dentures, dental plates and other dental devices are 100 percent the responsibility of the patient under Original Medicare. Medicare Part…