Simplify the New York insurance purchasing process

October 12, 2016

Purchasing insurance in New York is a lot easier now than it’s ever been before, but that doesn’t mean that it is an effortless process by any stretch of the imagination.

You are going to face a number of significant challenges even though the Affordable Care Act eliminated many of the older barriers to getting coverage, and you’re going to need to streamline the process as much as possible – if only to remain sane throughout.

We are going to provide you with an “overhead view” of the process for purchasing New York insurance policy, hopefully helping you stay on track and giving you the insight you need to simplify the process as much as you can to move through it as quickly as possible.

Shall we jump right in?


Outline your expectations and needs

The first thing that you need to do (absolutely MUST do) is outline your expectations and needs as far as New York insurance is concerned. This is the first step in any insurance purchasing process, and one that you cannot afford to ignore or skip.

Without understanding exactly what kind of coverage you need and what kind of coverage you are hoping for – as well as how much you are willing to pay, terms that you are willing to agree to pay by, and all of the other details that New York insurance policies involved – you’ll never know whether or not you are getting the best deal and the right fit.

Search for quotes online

Now that you know exactly what to look for, it’s time to start searching for New York insurance options online at

Google is going to be your best friend when it’s time to search for quotes and estimates on the Internet, and you want to spend at least an hour or so every week just looking for different insurance options. This is how you find the best deals and the best offers available Understanding that New York insurance isn’t exactly supposed to be an “impulse buy”.

Contact a New York insurance company directly

At the end of the day, you’ll always have the opportunity to purchase directly online, but there are probably going to be a number of questions you want to have answered and a handful of things you want to have cleared up – things that only a live New York insurance agent can handle for you. Don’t be shy about contacting them directly.

A couple of tricks to help you save thousands on Illinois home insurance policies

October 5, 2016

Truth be told, there are a bunch of different things that you’ll be able to do to dramatically reduce the amount of money that you have to spend on Illinois home insurance each month and each year.

Sure, there are a couple of “standard” tips and tricks that most everyone knows about to drop the cost of Illinois home insurance across the board – but there are a couple of pieces of “insider information” that you just aren’t going to find anywhere else but below to help you save a substantial amount of money on your insurance.

Interested? We thought so!

Consider your Illinois home insurance agency to always be “up for review”

Illinois home insurance agencies have a tendency to get a little bit complacent with their customers and clients over time, especially if they haven’t had to put in a claim at any point in time.

Well, that’s all well and good, except for the fact that you never want to be treated like nothing more than free money as you pay your Illinois home insurance bill each year – which is why you’ll want to keep your Illinois home insurance agency on its toes by making sure they are “always up for review”.

Let them know that you are constantly shopping around for a better deal, a better discount, and a better company to help you out and you will be able to save way more money than you probably ever thought possible.

NEVER accept the first quote for Illinois home insurance you receive

Even if the first Illinois home insurance quote you receive from seems fantastic and really works within your budget while offering coverage that you’re looking for, you need to press as hard as you can to negotiate those prices down even further.

Every single company that sells insurance in Illinois (or anywhere else) is ALWAYS going to offer a higher number at first than they will actually accept going forward, as they anticipate you doing a little bit of negotiating. Make sure that you play the game and ask for lower rates, and you’ll almost always get them.

Take advantage of any hidden discounts that might be available

At the end of the day, there are a lot of different hidden deals, hidden discounts, and hidden savings opportunities that Illinois home insurance companies can provide to their clients and customers.

You need to ask about these offers and these opportunities to take advantage of them, but should know that they have the chance to save you a few hundred dollars each and every year.

Michigan Auto Insurance

November 5, 2015

Michigan auto insurance law requires every registered motor vehicle to be insured with no-fault coverage.   No-fault insurance coverage means all of the expenses are paid regardless of who caused the accident to other people’s property.  Michigan auto insurance includes three different sections in the no-fault coverage:

  • Personal Injury Protection (PIP)-  This pays all medical that is deemed necessary and reasonable including wages lost and replacement for up to three years if you are hurt in an auto accident.
  • Property Protection (PPI)- Michigan auto insurance law states this coverage will pay damages caused by your vehicle to another person’s property such as buildings or fences.
  • Residual Bodily Injury and Property Damage Liability (BI/PD)- If you are found liable in an auto accident in which someone was gravely injured or killed, this insurance pays up to the limit including legal services.   The minimum required is $20,000 per person injured or killed in the accident, $40,000 for each accident if more than one person are injured or killed and up to $10,000 for damaged done by your auto to personal property in another state.

As with all insurance you are able to buy more coverage as needed for each circumstance.   Lenders will have other requirements for Michigan auto insurance beyond the basic coverage.  A lender may require full coverage to protect the asset until it is paid off.

Comprehensive and/or collision coverage is above and beyond that of no-fault.   No-fault insurance does not cover damage to your car.  In order to have your car repaired in from an accident, you will need collision.  This type of coverage comes with different amounts and deductibles.   Comprehensive covers theft, collisions with animals, fire, flood, vandalism and falling objects such as a tree limb.

Uninsured or underinsured motorist insurance is also available in Michigan.  Uninsured covers you should you be struck by an uninsured motorist paying for pain and suffering and wages lost.   Underinsured insurance pays the difference between what the insurance of the driver will pay, the limits of the policy and what the courts award.

Michigan auto insurance laws are designed to protect all drivers with the no-fault minimum coverage.  While this insurance covers damage to another person’s car it does not cover damage to your car, therefore collision or comprehensive coverage is suggested if you want to protect your investment.  Lenders will require this type of coverage.  Michigan also offers the option of uninsured and underinsured motorist.

You might not know this about South Carolina car insurance

September 10, 2015

Most people find the process of purchasing Carolina car insurance to be a lot simpler and straightforward today than it ever was before, thanks in large part to the Internet.

And while it’s definitely true that the bulk of this process has been simplified significantly, it’s also true that you are going to be flooded with way more choices for Carolina car insurance now than ever before – and that’s going to present you with a couple of sticky situations when you need to purchase car insurance and aren’t sure of which company to move forward with.

By focusing in on the details below (and using good old-fashioned common sense) you shouldn’t have any real difficulty finding the best car insurance  for your specific needs, your specific situation, and your specific budget.

Your age and your physical location has almost as much of an impact on Carolina car insurance costs as the vehicle you are actually ensuring

A lot of people are surprised to learn that their age and their physical location has close to as much of an impact on the cost of their Carolina car insurance as the make, model, year, and condition of the vehicle that they are actually insuring.

Men under the age of 25 are ALWAYS going to be charged more money for Carolina car insurance than anyone else, and if you live in an urban or higher population density area with heavy traffic you are going to spend even more money on your insurance.

You have to ask for Carolina car insurance discounts to take advantage of them

There are a lot of different deals, discounts, and savings opportunities available from Carolina car insurance companies – but many of the best deals, discounts, and savings opportunities are going to be “hidden” unless you expressly ask about them.

You should ask your insurance agent about any deals that they might have available at your very first opportunity. It’s always a good idea to ask about these discounts before you sign on the dotted line!

It’s impossible to get the best deal on Carolina car insurance without looking at 3 to 5 different quotes

Finally, you are never going to know that you are getting the best deal on Carolina car insurance without first asking between three and five different insurance companies to provide you with full estimates and quotes.

Only then will you know the kind of “ballpark pricing” necessary to determine which company is offering you the best deal, the best value, and the best “bang for your buck”!