Progressive Car and Truck Insurance

Progressive auto insurance is one of the many companies out there. When choosing one auto insurance plan to the next, you could find many to choose from.
What makes one provider better suited to provide your auto insurance than another? It may be many things but when it comes to cash, the insurance business needs to offer high quality coverage, good monthly or quarterly payments, and the products that you want. Progressive is one of the leaders in the coverage industry as it tends to meet and exceed these things and many more.
The firm, Progressive, is renowned for its ability to provide low cost auto insurance. They do advertise that they offer the customer with the prices of many different auto insurance firms to offer the consumer with the easiest way to get the best rates out there.
It does happen to be that Progressive offers lower rates. But, to find out if they are giving the best rates for your auto insurance needs, just make a stop at their web site. There, you could see what they may provide in detail. Another plus to the web site of Progressive is that you could quickly get a no cost, quick online price quote that has no obligation to use the business but might show you simply how much it can cost to work with them.
Auto insurance offered by Progressive is offered in many ways. They provide a large line of auto services that can include things like collector's insurance, full insurance and just liability insurance and many other insurance services.
Comparing the needs of the client to the ability to the business is anyone's job, though. Don't assume that Progressive provides the best plans until you determine that through your own comparison. On the bight side, Progressive makes purchasing auto insurance quick by having the online rate quotes within moments.

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1:47 PM | 0 comments

Benefits of Wedding Insurance

Wedding Insurance is designed to be flexible to the happy couple's needs - and this includes a second marriage. Whilst cheap insurance might sound like an easy option at first, you need to make sure your wedding insurance is also quality wedding insurance, so that all eventualities are covered, whether this is the first, second or eighth time you tie the knot.
You may say 'I do' more than once in your life, but a second marriage should not make a difference to your wedding insurance quote. If you decide to get married a second time, you can still enjoy all the benefits of wedding insurance including protection for your wedding outfits, wedding rings and wedding flowers a second time round.
Second marriages give couples a chance to start a new relationship, which is informed by both love and experience. You may choose to have a smaller wedding the second time, as you may want you and your loved one to be the centre of the day, rather than the cake, dresses, flowers, decorations and other trimmings taking over.
However small your wedding day, you would still be recommended to take out wedding insurance to protect it. Insurance companies offer flexible wedding cover, so both small and big celebrations can be protected. You can also take out wedding insurance if you decide to get away from it all and get married abroad, and you will be financially protected if you have to postpone or cancel your wedding day if the bride, groom or a close relative falls ill. Your cake, flowers, transport, rings and wedding clothes will also be covered against left or damage.
A second marriage gives both the bride and groom a chance to really reflect on how and why they are getting married. You will walk down the aisle with more experience and understanding of the commitment you are making and if you have good wedding insurance, will also know that you are financially protected at the same time.

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1:10 PM | 0 comments

Important Facts About Long - Term Care Insurance

Individuals Need To Health Qualify
Few people understand the need to health qualify for long-term care insurance. And, this is one of the biggest mistakes people make; waiting too long. Nearly 14 percent of the individuals who took the time to apply for long-term care insurance between the ages of 50 and 59 were declined for health reasons last year (2007). That number increased to 23 percent for those between 60 and 69 and an amazing 45 percent for those applying between ages 70 to 79.
As mentioned earlier, companies offer discounts to those who apply while still in relatively good health.
Some 44 percent of applicants between the ages of 50 and 59 qualified for good health discounts. The percentage drops to 32 percent for ages 60 to 69 and 19 percent for ages 70 to 79. Standards vary from one insurer to another so those with health conditions will benefit by working with knowledgeable long-term care insurance professionals who represents multiple insurers.

There Are Ways To Reduce The Cost
Many of the articles you read discussing long-term care insurance use the term expensive when referring to this important protection. They fail to mention that there are many ways to obtain significant discounts today that can reduce the cost significantly; by between 20 percent and 50 percent a year.
The American Association for Long-Term Care Insurance conducts an annual Price Index that portrays what consumers can expect to realistically pay for suitable coverage. For someone age 55, a $100 Maximum Daily Benefit x 3 Year Benefit Period costs $772-per-year (assumes the individual qualifies for preferred health and spousal discounts).
Good health discounts can reduce the cost by 10 percent a year. Choosing a plan that pays benefits for 3 years will be between 25 and 30 percent less expensive than one that pays for five years. Today, some companies offer discounts to married couples, even when only one spouse buys.

Group Long-Term Care Coverage May or May NOT Be Your Best Bet
An increasing number of employers now offer long-term care insurance to employees. That's a good thing and clearly there are some advantages to group coverage that may offer guaranteed acceptance (no health underwriting). But, individuals who are eligible for good health discounts and other discounts available to married couples may be able to obtain more coverage for less money from an individual policy sold by an agent or broker. Bottom line, as with most purchases it pays to compare.

Prices Can Vary From One Insurer To Another
The difference in what you'll pay for basically the same benefit can vary quite substantially. Each insurance company has their sweet spots in terms of age and health condition. The Association recently did a study of costs for a typical applicant who was age 55. Costs for policies from New York Life were hundreds of dollars more than those from Genworth or John Hancock (all good companies).
A policy from Northwestern Mutual cost $1,000 more each year. That's just one reason why it is increasingly important to speak to a professional who can access protection from multiple companies. You'll save yourself quite a bit of money over the long haul.

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1:44 PM | 0 comments

The Best Way To Save On Auto Insurance

Strangely enough, auto insurance in fact, almost any kind of insurance -- is purchased begrudgingly. If you never have an accident, a fire, a serious medical condition, it's hard to watch all that money go out the door every month with no return on investment. Most people vehemently resent paying insurance premiums because they are sure they will never see that money again. For 10 years I owned an insurance agency that sold, among other types, auto insurance. This was at a time when computers were but a dream. We agents had manuals -- very large, cumbersome manuals --for every insurance company we represented. We had to know what our own companies offered, and routinely we would shop other insurance companies to find out what the competition was doing.When you consider the number of drivers, their gender, their age, their abilities, and then consider the number of different automobiles there are, the combination of drivers and cars is 10 times greater than the odds of winning the national lottery. And each of these combinations has their own unique rate for auto insurance. With insurance, one size does not fit all.
What does your insurance premium buy? Very simple. Peace of mind. Yes, you can get in your car and drive from here to kingdom come without worrying about an uninsured driver hitting your car. You can leave your home without worrying about it burning down and not being able to replace it. You can go to the hospital and not worry about how you're going to pay the bill. That is peace of mind, and that is what insurance buys.
But that peace of mind doesn't have to come at the highest cost. Most people today are no doubt overpaying for insurance -- especially auto insurance. Why? Because they are too lazy to do a little leg work. The best way to save on auto insurance is to SHOP AND COMPARE.
That's right. Saving money on auto insurance is as simple as shopping around and comparing prices from competing companies.
Let's face it. It's a pain in the neck to change auto insurance carriers. It's easier to keep the status quo. But if you knew that you could save $50 per month, would you do it? Most people would even with the inconvenience. I guess ignorance is bliss, though. If you don't know how much you could be saving, it's easier to stay put. So if you're not willing to shop and compare, don't complain about how much you're paying. 
Even though I know better, I was just as lazy until one day I had nothing better to do. I went to a web site and filled in my information. Within one day I had quotes from four different companies, and one of them saved me nearly $500/year on my auto insurance. I don't know how many years I could have been saving this kind of money, but I'm guessing I could have saved enough money, if not to buy a new car, certainly enough to make a sizable down payment on one.

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12:55 PM | 0 comments