Category: Car Insurance

How to Choose a Car Insurance Policy

Car Insurance PolicyWe may grimace when we get our premium notice for car insurance in the mail because there goes a big chunk of our paycheck.  But, imagine the consequences if that vehicle was stolen or involved in a collision.  You’d not only be heartsick over the criminal activity, but potentially you’d be injured and the car damaged or totaled as a result of the collision.
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What Type of Insurance Do I Need?

Types of Insurance

When you were a kid, your mom probably told you never to leave home without some Kleenex and enough change to make a phone call in case you got into trouble.  Back in the day, two dimes would do it, and maybe carrying an extra two dimes in case you fumbled and dropped the first pair and couldn’t find them.  Now most people carry a cell phone so carrying spare change is not a necessity, but the Kleenex…. well, that still makes sense today.

Just like being prepared with tissues or spare change for those daily little issues, having insurance policies in place will thwart most of life’s calamities and you will emerge from those times better for your preparedness.

“Fortune favors the prepared mind” -Louis Pasteur
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What Are The Types of Car Insurance?

Car Insurance
Nothing compares to your “first set of wheels”, no matter how many years that you are a vehicle owner.  Everyone remembers their first car, whether it was a hand-me-down from Dad, or an old clunker you got dirt cheap that ran.

The biggest downer about owning your first car, or your current car for that matter, is not the amount of money you must pay for maintenance and gas for the vehicle, but the funds you expend to insure it.

But today’s cars are not your Dad’s car from back in the day.  He may have just buffed out a mark where someone keyed the car or nicked the bumper.  Today, just a wayward grocery store cart that slammed into a tail light or a minor or major collision may not only mess up the exterior of the car, but the electrical system may also be in peril too, thus repair costs will skyrocket.  That is why you should be wise about what type of coverage you need for your vehicle.
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