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What Type of Car Do You Have?

One of the main factors that may determine how much auto insurance coverage you really need is the type of car that you have. Almost everyone, by law, is required to have at least liability auto insurance coverage. If you have a car which is financed, however, you are probably required to have collision insurance coverage on your car also. If you are not required for you for some reason, it is definitely something that you will want to get. Do you really need collision auto insurance coverage if your car is not financed though? Well, one of the main things that you should consider is whether or not your car is actually worth spending the amount of money that collision will require. For example, if your car is only valued at $2,000 and it will cost you $3,000 a year to have collision coverage, you will probably not want to waste your money. But if your car is valued at $15,000 and collision will cost you $4,000 a year, you will probably want to think about choosing this (more...)

Between the rising cost of health insurance and numerous types of policies, shopping for health insurance can seem like a daunting task. So how can you sort through all the chaos and find a policy to safeguard your health and maintain your budget?

Preparation and Education

Knowing the type of coverage you need before you begin comparing policies will make this task far less intimidating come shopping time. You and only you can identify the types of coverage you ll need–from prescription drugs to covering pre-existing conditions, identifying your needs will help you to avoid purchasing more than what you need.

To learn more about the types of plans and benefits available in your area, contact the Division of Insurance (DOI) in your state. This underutilized resource is geared toward consumer protection and education and typically has downloadable articles and brochures to help you make informed decisions about your health and health insurance. And, when it comes to buying health (more...)