Car Insurance Tesco

AUTOMOBILE INSURANCE - When shopping for car insurance, don't overlook the obvious.  Insurance agents earn commissions based on your premiums. The more you pay, the more your agent makes! Know your state's minimum insurance requirements. Don't let your agent talk you into $250,000 property damage coverage if your state requires only $25,000.  Over selling coverage is how agents make their money! When comparing auto insurance companies, compare apples to apples. It's difficult to compare "your" policy to "their" policy if the coverage limits are different. Make sure you're comparing the same liability coverage as well collision, comprehensive, uninsured motorists, towing, rental car replacement and, most importantly, the same deductible.   

HOMEOWNERS INSURANCE - Home insurance is truly one of those necessary evils. Over the life of a 30-year mortgage, coerage for a $100,000 house might cost $20,000. In most cases, though, the insurance is added into the mortgage payments.  New homeowners beware!  Don't automatically accept the insurance offered by your lender! Shop around for better coverage and rates. Know your area and the inherent risks. If you live in the south, make sure your policy covers tornado and hurricane damage.  If you live in a colder climate, make sure your policy covers winter perils such as damage from frozen pipes and roof collapse due to the weight of snow.

LIFE INSURANCE - It's unfortunate that most people under 50 don't worry about life insurance.  Proponents of this coverage often call it "death insurance". More accurately explained, life insurance is for the continued life of the loved ones left behind and to cover the burial expenses of the deceased.

RENTERS INSURANCE - This is probably the most overlooked insurance on the market. If you rent a home or apartment, read your lease.  Chances are your landlord is not responsible for the safety of your belongings. If the building burns down or is flattened by a tornado, your landlord is not liable for the damage to your belongings., If you rent the dwelling in which you live, check into renters insurance NOW.  In most areas of the country, the rates for renters insurance are extremely low.