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The big day has come and your child is ready to start college. If you re like most parents, it s been quite a challenge to get tuition, books, room and board and more paid for. However, if you haven t reviewed your car insurance, you could be paying more than you have to.

Life event changes are one of the factors that can affect how much you pay for auto insurance. And going off to college is one of those life events. Review your policy and ask these questions:

Will your child be driving more, or less, than when they lived at home? Is the college located in an area where there might be a greater risk of damage or theft to the car? Are there alternate forms of transportation your child can use so they don t need the car at college? Is your child listed as a primary driver on any vehicle?

You could save money on your car insurance by listing your child as an occasional driver — instead of primary driver — on the car they normally drive. It s also a good idea to list them as the d (more...)

The biggest single investment most people make in their lifetime is buying a home, condominium or townhouse. What you want to do is protect your home, personal property and any type of liability with a homeowner s insurance policy.

Homeowner s insurance just does not cover homes, but it will cover those who rent homes, apartments, condos, and townhouses. These homeowner s policy are referred to at renter s homeowner policies. If you are a renter, you will not need protection against damage to the building itself, but you will need protection against damage or theft of your personal property and any type of liability just in case someone falls or gets hurts on the part of the premises that you rent.

A condominium or townhouse owner may also purchase a homeowner s policy to insure against loss of personal property. The condominium and townhouse owners also are responsible for the inside of the condominium or townhouse. You are not responsible for the outside structure but the walls and i (more...)