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Under the terms of a loan or lease on an automobile, at the time of a total loss, there is often a difference between the amount your insurer will pay as actual cash value (under comprehensive or collision coverage) and the amount which you owe to the entity that financed or leased the  vehi… Read more

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If you have a homeowners or renters policy in addition to an automobile policy, an have sufficient assets you would like to protect, you may consider purchasing a personal umbrella policy. An umbrella policy protects you by providing additional liability coverage against judgements in lawsui… Read more

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If you do not insure your home for at least 80% of its replacement value, your claim will generally not be settled on a replacement cost basis. Therefore, it is important to review your homeowner’s policy periodically to determine whether you are carrying enough insurance to be fully covered. Read more

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It is generally cheaper to ad your teenagers to your auto insurance policy than for them to purchase their own. If they are going to be driving their own car , consider insuring it with your current insurance company so you can get a multi-car discount. Choose the car carefully, the type of … Read more

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Yes they do. According to regulatory associations, there is a direct correlation between credit scores and individuals getting into accidents and cancellation of policies due to non-payment. The premiums are higher for lower credit scores. Read more