Travel Insurance Tips

Discovering new places can be the key to self-discovery. But before you commence your quest, you’ve got to make sure you’re covered.

Travel insurance can protect you from substantial losses that result from canceled trips, lost baggage, medical emergencies, and other unforeseeable circumstances.
But choosing a travel insurance package can be tough. Check out the World Travel Center Policy Picker to get quotes, compare, buy, and save on hundreds of travel insurance packages offered by leading providers across the U.S., and heed the following hints:



1. Read the fine print – The devil is in the details, as they say. The fine print of insurance policies makes generalizations about travel insurance absolutely impossible. So read all the details – every last one – before you buy.

2. Timing is everything – Some travel insurance plans require that you purchase the insurance within 7-14 days of paying the initial trip deposit; others require that you purchase the insurance before you leave home; still others allow you to buy online even after you have departed.

3. Determine the deductible – The deductible is the amount that the insured must pay before the travel insurance provider starts paying. Check it out. It may be an annual amount, an amount that gets spread out over the duration of the policy, or an amount for each incident.
Source: http://soundmoneytips.com

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How do I choose the right auto insurance company?

Auto Insurance: How do I choose the right auto insurance company? (an affer from allstate.com)
With so many companies offering auto insurance, how do you choose the one that's right for you? You deserve an auto insurance company that offers more than just auto insurance. What matters most is being able to feel confident that your insurance company will be there when you need it. When researching auto insurance companies, consider the following:


You want to be treated right when you buy car insurance. So seek out an insurance company with a large network of offices, claims centers, agencies, and helpful employees to serve you wherever and whenever you need. Allstate is dedicated to the highest levels of customer satisfaction. We've been serving satisfied customers since 1931 and we insure one out of every nine cars on the road. We’re the 2nd largest insurer of autos and homes in the U.S. We got there by serving customers like you quickly, fairly, and compassionately.
Your local Allstate agent provides personalized service and if you need assistance after hours, don’t worry. You can make a payment, file a claim or just get general information 24/7, through our online Customer Care Center or over the phone at 1-800-Allstate®. We’re always standing by.
Committed Agents
An insurance agent can assist you in making decisions for your changing needs.

Allstate offers a network of approximately 12,900 exclusive agencies and financial specialists in the U.S. and Canada to assist you with your insurance needs. Your Allstate agent offers personalized service in a local office. With a wide variety of policies, optional coverages and other products available, and as your insurance needs change, your local agent will take the time to help so you can make the choices that are right for you.
Responsiveness & Availability
It’s critical that your auto insurance company responds when you really need assistance. When you have an accident, need claims service, or road-side assistance, is help close by? After all, that’s what you’re paying for.
Allstate offers outstanding claims service 24 hours a day, 7 days a week. With 16,000 claim employees, 500 drive-in claim centers, and 150 claim offices, you’re never far from help. And you can be confident that your claim will be handled efficiently and professionally.
Stability
Choose a company that has been there, and will be there in the future. One way to determine financial stability is to do your research. Both A.M. Best and Standard & Poor’s offer financial ratings for insurance companies.
Allstate receives excellent ratings for our claims paying ability from A.M. Best, Standard & Poor's and Moody’s.* You can count on our outstanding financial strength and superior claims service to help protect what you value.
Allstate is the easy choice as your car insurance company
In addition to great service and reliability, you’ll get value for your money by purchasing a policy from Allstate. With auto discounts for safe cars and good students, you’ll be surprised how much you could save. Get an online car insurance quote today and find out if switching to Allstate could save you money.
Source:http://insurance-guide.blogspot.com

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Mobile Phone Insurance Need Of Today's Trend

Insurance goes a long way in minimising the risks that life throws from time to time. It can, therefore, safely be said that whatever is precious deserves to be insured so that in case of an emergency financial burden is not felt. Talking about precious things, one thing that immediately springs to mind is the mobile phone. With more and more of its variety flooding the market and being lapped up by people clearly proves that mobiles are one of the, if not the, most precious things for people in today’s world.


The point that now arises is that if mobile phones are so important in everyone’s life should people not go for mobile phone insurance. One thing is for sure that mobile phones are quite expensive and in case of theft or damage the owner has to shell out quite a big amount to get the other one. And mobile phones being so important that one can hardly live a second without it, one has to spend money immediately to get its replacement.

Thus, it becomes all the more important that mobiles are insured so that there is no burden that one has to face in case of theft or damage. There are various companies that provide very cheap insurance for mobile phones. Companies also come up with offers that provide free mobile phone insurance in exchange for some purchase. It, therefore, becomes amply clear how important mobile insurance is and that everyone who carries a mobile should always go for one.
Fletcher Mak is an author, write various articles on different themes to expand information, because articles is a good way to send their information to needy people easily. You can get information about mobile phone insurance and other mobile phones.
Article Source: http://EzineArticles.com/?expert=Fletcher_Mak

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Tips on Lowering Car Insurance

One of the best ways to keep your auto insurance costs down is to have a good driving record. But that’s far from the only factor. Check out these other nine things you can do to lower your car insurance costs:

1. Shop Around - Prices vary from company to company, so it pays to shop around. Get quotes from different types of insurance companies: some sell through their own agents; some sell through independent agents who offer policies from several insurance companies; and others do not use agents at all, but sell directly to consumers over the phone or via the Internet. You can call companies directly or access information online. Your state insurance department may also provide comparison price info on major insurers. Check the financial health of insurance companies with rating companies such as A.M. Best and Standard & Poor’s and consult consumer magazines.

2. Before You Buy a Car, Compare Insurance Costs - Before you buy a new or used car, check into insurance costs. Car insurance premiums are based in part on the car’s sticker price, the cost to repair it, its overall safety record, and the likelihood of theft. For instance, daytime running lights and anti-theft devices can result in insurance discounts. Check out the Insurance Institute for Highway Safety for more information on the cars that are cheapest to insure.

3. Ask for Higher Deductibles - Deductibles are what you pay before your insurance policy kicks in. By requesting higher deductibles, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by 15-30 percent; going to a $1,000 deductible could save you 40% or more.

4. Reduce Coverage on Older Cars - Consider dropping collision and/or comprehensive coverage on older cars. If your car is worth less than 10 times the premium, purchasing the coverage may not be cost effective. Auto dealers and banks can tell you the worth of cars. Or you can look it up online at Kelley’s Blue Book.

5. Buy Homeowners and Auto Coverage Together - Many insurers will give you a break if you buy two or more types of insurance. You may also get a reduction if you have more than one vehicle insured with the same company. Multi-policy discounts are worth looking into.

6. Maintain a Good Credit Record - Establishing a solid credit history can cut your insurance costs, since insurers are increasingly using credit information to price auto insurance policies.

7. Take Advantage of Low Mileage Discounts - Some companies offer discounts to motorists who drive a lower than average number of miles a year. Low mileage discounts can also apply to drivers who car pool to work.

8. Group Insurance - Some companies offer reductions to drivers who get insurance through a group plan from their employers, professional, business and alumni groups, or other associations. Ask around.

9. Additional Discounts - Companies offer discounts to policyholders who have not had any accidents or moving violations for a number of years. You may also get a discount if you have taken a defensive driving course; or, if there is a young driver on the policy who has taken a drivers education course or is at a college out of the area without a car, you may also qualify for a lower rate.

Source:http://soundmoneytips.com

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