Insurance

Yup, You Can Insure That!

Insurance is a gambler’s game, and it always has been. From the earliest days of human civilization there have been those who have been willing to gamble on the outcomes of other people’s efforts. A wealthy person would pay mercenaries to escort a shipment of grain produced by a tenant farmer in exchange for a portion …

Categories: Insurance

Best Life Insurance Companies for 2014

Life insurance can ease your loved ones’ financial worries if you die unexpectedly, but it’s just as essential for your own peace of mind. In short, life insurance helps replace your lost income after you pass away, keeping any beneficiaries you name insulated from major money troubles that stem from your death. The best life …

The Rise of Black Box Car Insurance

Car insurance companies have always looked for ways to maximize profits by minimizing their risk. Insurance companies make money by taking in more in premiums than they pay out in claims. It’s hard to raise premiums in a competitive market, so reducing risk is the easiest way for them to become more profitable. Making money would …

Categories: Automobile, Insurance

Best Home Warranty Company for 2014

If you’re considering a home warranty to help protect you from costly home repairs, there are several companies that want your business. Unlike the big insurance companies that provide home, life, and auto policies, home warranty companies aren’t household names. For that reason, you may feel like you’re starting from square one in your search. …

Insurance Ads: Trick or Treat?

Remember that ad…? Of course you do, because even when you think advertising isn’t having an effect on you, it is. The fact that you remember the Taco Bell Chihuahua or the Old Spice guy is proof that television ads, at the very least, take up some space in your memory. Making a brand or …

Categories: Insurance

Protecting Your Business From Natural Disasters

Running a business is fraught with challenges that must be addressed on a daily basis, ranging from personnel and payroll to competition and cash flow. Most business owners recognize the need to insulate themselves from risks, both internal and external. After all, hazards abound, whether they’re the result of honest errors on the part of the business or …

Small Business Insurance Basics

There are about 45 million businesses in the United States of which more than 99 percent are considered small businesses. More than 40 million of those small businesses have fewer than 20 employees. All businesses, small and large share a common need for protection against the unexpected, and small business insurance satisfies that need. Unlike, …

How to Get Cheap Car Insurance in 2014

Whether you have a set of shiny new wheels or a decaying rust bucket, cheap car insurance is a must for staying legal on the road. The good news? You have more control over factors that influence your car insurance rates than those that affect other types of coverage, such as life insurance or home …

Separating Obamacare Facts From Fiction

Chances are you already have a strong opinion about Obamacare — and you’re not alone. The one consistent factor since Obamacare was passed and signed into law is that most people find the law confusing. Much of that confusion is driven by misinformation and misunderstanding. We’ve gathered some of the most common ones here. I’ll …

Categories: Health, Insurance

The Affordable Care Act and You

The Patient Protection and Affordable Care Act, commonly referred to as Obamacare or the Affordable Care Act was signed into law on March 31, 2010. The goal of the Act is to make affordable health care accessible to all Americans. The Congressional Budget Office estimates that once the ACA is fully implemented 94 percent of …

Categories: Health, Insurance

How to Get Cheap Life Insurance in 2014

Finding a cheap life insurance policy that offers the right amount of coverage is at the forefront of any first-time buyer’s mind. The same goes for someone who’s simply looking for a better rate. If you want to get the most affordable life insurance, there are several things you can do to minimize costs. I …

Categories: Insurance

The Best Renters Insurance for 2014

I’m focusing on the best renters insurance companies after sharing my take on the best home insurance companies in a previous post. With the growing popularity of renting, I conducted some additional research to determine which companies are the best for renters. After analyzing several national and local companies, Allstate stands out as the best …

Categories: Insurance

The Best Home Insurance for 2014

If you’re looking for the best home insurance, there are several national and local insurance companies that will want your business. However, it’s hard to decide which company to pick with so many choices. Companies like Amica Mutual stand out in customer surveys, but they aren’t available everywhere. The best way to find fair rates …

Categories: Insurance

Car Insurance: Liability or Comprehensive Coverage?

When you’re shopping for car insurance – something that’s a legal requirement in most areas when you own a car – one of the biggest questions that comes your way is whether or not you should have liability coverage or comprehensive coverage on your automobile. Liability coverage is usually cheaper, but comprehensive coverage covers more. …

Categories: Automobile, Insurance

The Ultimate Guide to Choosing a Term Life Insurance Policy

Welcome to the third entry in my “Ultimate Guide” series here on The Simple Dollar. If you want to hop back to the first two, here are some quick links: Ultimate Guide to Choosing an Internet Service Provider Ultimate Guide to Amazon Discounts Today, we’re taking a deeper look at life insurance policies. Life insurance …

Categories: Insurance

The Heartbreaking Puzzle of Life Insurance

I want to tell you a story about a friend of mine. I’m obviously going to alter some personal details here to protect privacy, but the core of this story is completely true. This friend of mine spent the last ten years or so of his life in poor health. He lived for that time …

Categories: Insurance

The Teenager’s Car Conundrum

Sometimes, I get questions that are perfect for the Reader Mailbag, except that when I actually start writing out the answer, it turns into a full post. This is one of those times. Leslie writes in: My daughter is turning sixteen this August. We’re going to buy her a used car as a gift, but …

Flood Insurance: The Homeowner’s Guide

It’s raining, it’s pouring… Water, water, everywhere… Raindrops keep fallin’ on my head… Water is so vital to our lives that it is celebrated in nursery rhymes, poems and popular music, but when water damages or destroys our homes, there is nothing romantic about it. Even less romantic is the fact that flood damage is …

Categories: Insurance

Earthquake Insurance & Home Insurance Resource

Many people mistakenly believe that if they do not live along the West Coast – or more precisely, on a fault along the West Coast – they are immune to earthquakes and related disasters like tsunamis, fires, and mudslides. However, the majority of Americans live in an area  with significant risk of a magnitude 4 …

Categories: Insurance