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What to Do When Your Home or Auto Rates Increase

Buying a home or auto insurance policy can seem daunting, but it’s worth it. When things go wrong, you want to make sure you — and your assets — are protected. In the end, insurance can help bring peace of mind. But after going through the insurance purchase process, you may see your home or auto insurance rates increase. It’s pretty common. Later on down the line, your rates increase. This can be frustrating and confusing. You put in the work, did your research, and decided on a policy that met all your needs. Now, you’re looking at the bill and you’re not sure why it’s suddenly more expensive than what your original commitment. If the price of your home or auto insurance has gone up, there are a few things you can do to help bring the price back down within your budget. Understand Why Home or Auto Rates…

Five Ways to Lower Home and Auto Insurance Costs

Insurance may not be the most exciting purchase to make, but it’s an important one. When it comes down to it, the purpose of insurance is to ensure protection of our assets. We have life insurance for ourselves, but home and auto insurance protect the assets we’ve worked hard for and assist us in our everyday lives. When it comes to purchasing insurance – whether it’s home or auto, or both – everyone is looking for smart ways to save money. And you still want to receive the appropriate level of coverage to feel secure. Below are five ways to make sure you’re keeping your home and auto insurance costs as low as possible. Shop Around for Home and Auto Insurance How can you know you’re getting the best deal unless you shop around? According to J.D. Power*, only one-third of consumers shop around for new car insurance rates each…

Review This Information in Your Home and Auto Insurance Policies

Life changes, such as buying a new home, a new car, having a baby or sending your last child off to college can all be exciting moments, but they also allow time for reflection. One of these reflections can be focused on re-evaluating your insurance needs. It’s important to consider these life events and ensure you still have the best Home and Auto Insurance policy for you and your family. Why You Need an Insurance Checkup Oftentimes, changes in our lives translate into new needs when it comes to insurance coverage. Insurance policies need to change along with you. By conducting an insurance checkup, you can make sure that you’re not left exposed by being underinsured. And you can also make sure you aren’t paying too much. Even if you haven’t experienced a recent life change, it’s a good habit to review your insurance policy each year — at a…

College and Insurance: Insurance Entrance Exam for Kids on College Campuses

If you have a child living away at college, you’ve probably been through an extensive checklist in getting him or her prepared and moved to campus for the fall semester. Amid the flurry of planning and packing, have you thought about college and insurance? Although still your dependent, your child living away from home may have additional insurance needs to protect their belongings and their well-being. Consider these areas: Auto Insurance Fewer than half of college students have cars on campus, so if your child doesn’t have wheels, let your carrier know. Your student may be eligible for a “distant driver” discount, especially if the college is more than 100 miles from home. The discount may be as high as 20 percent. Keep your child on your auto insurance policy so coverage continues during school breaks and visits home. If your child does have a car on campus, report this…

5 Practical Financial Tips for Couples

If you’ve been in a long-term relationship before, you know quite well that in reality, things aren’t perfectly peachy all the time. Healthy relationships involve a lot of support, compromise, honesty and a willingness to have difficult conversations. One of the most commonly challenging topics for couples to discuss is money. With the right approach and some practice, however, getting on the same page about your finances doesn’t have to be a battleground. It’s important to talk to your significant other about both your separate and combined finances. After all, studies show that couples of all ages are happier when they talk to each other about money – and the more often, the better.[1] Taking some quality time to set monetary goals together is also a great way to build trust, address fears, join forces and set your relationship up for long-term success. If you’re feeling a little bit nervous,…

12 Insurance Blogs You Can't Afford to Ignore

Insurance is a personal finance cornerstone. It ensures your savings and investments are not wiped out due to an unexpected illness, injury or other worst-case scenarios. There is so much to learn about insurance, and it is tough to find everything you are looking for in one place.  Also, writing engaging blog articles on a topic that isn’t considered to be the most exciting can be tough, but there are some organizations out there making it happen with their insurance blogs. Get a cup of tea, find a comfortable spot to sit and enjoy these 12 websites that boast arguably the best insurance-related blogs out there. The Insurance Word Blog From Life Happens Life Happens is a nonprofit dedicated to helping people take responsibility for their personal finances, with a focus on life insurance and related products like disability insurance. The blog is a great resource, and you can also…

7 Health Tips for the Holiday Season

The holiday season sneaks up faster and faster each year, doesn’t it? When time is flying and your to-do list is growing, don’t forget to keep your physical and mental health and your family’s a top priority – it’ll make the holiday season much more enjoyable. Air travel is set to hit record highs this Thanksgiving, up 2.5 percent from last year. There are over 27 million people passing through domestic airports over the next two weeks, and countless more on the road.[1] With so many people running around, passing through high traffic areas and preparing for the holidays, it’s worthwhile to take these extra steps to keep you and your family safe and healthy this season. Here are seven-holiday health tips to help get you through the festivities of the season: Get a Flu Shot Many health insurance providers provide preventative care benefits such as flu shots for free or…

Year-End Financial Checklist: 8 Must Haves

New Year’s is just a few days away and it’s always a good idea to assess your financial situation before the year is up. With a new presidency on the horizon as well, it’s also a good time to start thinking about how new reforms could affect your taxable income and finances over the coming months and years. By using a year-end financial checklist, you can ensure your 2017 will start off on the right foot. Here’s a simple year-end financial checklist you can tackle before December 31st to help get your financial life in order. Review Your  Insurance Policies, and Don’t Miss Open Enrollment Your HR department has probably been sending around reminders about open enrollment. Don’t delay! Set aside some time to tally up how much you’ve spent on premiums, claims and out of pocket expenses over the last few years to help you determine if you should…

6 Ideas on How to Invest Your First $1000

Saving up $1,000 on your first investment is a huge milestone! Rather than blow the $1,000 on a frivolous purchase, you have decided to invest the money for your future. That’s a big achievement, and one you should be proud of. If you are new to investing, you might not know what to do with that $1,000. One of the very best options to invest $1,000 is through a tax-advantaged retirement account, like an IRA or Roth IRA. Here are six additional investment option ideas for both new and seasoned investors. Invest for Retirement As stated earlier, probably one of the very best options to invest your $1,000 is through a tax-advantaged retirement account, such as an IRA or Roth IRA. A traditional IRA works similarly to an employer-sponsored 401(k) plan, where your contributions are made with pre-tax dollars. That means if you put $1,000 into your IRA, you will…

Top 11 Best Places to Live in 2016

Looking for places where homes are affordable and jobs are plentiful?   Then we’ve got the list for you. Money recently released its Best Places to Live report for 2016, analyzing more than 800 cities with populations between 50,000 and 300,000. For this year’s report, researchers crunched numbers and analyzed 60 key factors: taxes, education, healthcare and more.  The top contenders include some of the usual suspects like Naperville, Illinois, along with new neighborhoods like Weston, Florida. Whether established or just emerging on the scene, these 11 communities earned the highest scores and are all incredible places to dwell. Columbia, Maryland Columbia turns 50 next year, and it’s never looked so good. One of the most successful planned communities in the country, Columbia is a magnet in the Baltimore–Washington corridor, attracting families in search of good schools and businesses hungry for educated employees. Population – 102,221 Median Home Price – $310,000 Property…