Your New Auto Insurance

Auto and home insurance policies are common insurance policies owned by many in the society. However, how often does one hears about the Umbrella insurance? If you managed to read the breakdown of an auto and home insurance pricing, you’ll notice that among the other fields of coverage, there is one, which is usually very limited that covers liability. The umbrella insurance, on the other hand, provides excess amounts of liability insurance to increase the limits of the primary policies’ liability insurance and known as Personal Liability Insurance or excess liability insurance.

Umbrella insurances are usually very large, usually in increments of $1 million and up to $5 million and are applicable worldwide. For Read full article…

Fans of automobiles and animated films are in for a treat this summer, especially if they enjoyed the feature film “Cars.” Four years after the original, Lightning McQueen and his friends are returning to the silver screen as “Cars 2″ motors into theaters in June.

Lasseter: ‘I just adore cars’

John Lasseter, the film’s director, tells Cars.com the reason for the sequel is quite simple: He just can’t get enough of automobiles.

Lasseter told the website cars are a part of him.

Read full article…

Along with the hot wheels, cool trim, leather interior and killer sound system, your sports car came with another line item add-on that wasn’t part of the MSRP: sports car automobile insurance. Insuring your shiny fast ride can add thousands of dollars to cost of ownership over the life of the car…unless you’re a savvy shopper. Here’s what you need to know to help you find cheap sports car insurance (or at least reasonably priced). For starters, different insurance companies have different definitions of what is and isn’t a sports car. This is typically based on a VIN (vehicle identification number) system published by the Insurance Services Office or the company’s own ranking system. Either syst

Read full article…

Last week, the National Insurance Crime Bureau (NICB) released a top-10 list of the most frequently stolen vehicles in the United States.

For 2010, the most frequently stolen vehicles are as follows:

1. 1994 Honda Accord

2. 1995 Honda Civic

3. 1991 Toyota Camry

4. 1999 Chevrolet Pickup

5. 1997 Ford F150 Series

6. 2004 Dodge Ram

7. 2000 Dodge Caravan

8. 1994 Acura Integra

9. 2002 Ford Explorer

10. 1999 Ford Taurus

Older vehicles are stolen primarily for valuable spare parts, according to the NICB.

The report indicates that overall incidents of vehicle theft are down, mainly due to improved anti-theft technology.

Read full article…

There are lots of interesting and valuable points made in this post. However, several assertions raise some secondary questions about the true nature of the statistical comparisons.

First, the link to a description of the unpublished Milliman study (a recent WSJ op ed) actually compared Medicare beneficiaries over age 65 to individuals under 65 with the same health-care needs (not to seniors who are still on private insurance). Perhaps the risk adjustment was so remarkably sophisticated that it made “everything equal” by accounting for all the differences in spending patterns for those two different types of patients, or perhaps thats why the ongoing study is still unpublished.

Second, CBOs most recent analysis of per capita spending in excess of GDP Growth does not rely on the 1975 to 2008 figure displayed. It

Read full article…

Homeowner’s insurance is usually a confusing topic. For this reason, many homeowners do not fully understand the reason why insurers ask for the premiums they generally do, and for that reason, premium charges frequently go unquestioned.

However when you know how insurance companies determine your monthly premium, you are able to work with these factors to reduce your premium and bid farewell to expensive property insurance rates

Where is Your House Located?

If you reside in a location, or belong to a municipality that is notorious due to its criminal elements, it’s going to be no wonder to be stuck with expensive premiums so that you can insure your belongings. Read full article…