Trying to figure out why you pay what you pay for auto insurance can be a daunting task. Insurance companies analyze hundreds of factors to determine risk and coverage cost.
Here are 18 factors that affect your rates. You can’t change all of them, but the ones you can change can save you money down the road. [Read more…] about 18 factors that affect your car insurance
Self-driving cars are coming.
With some of the world’s largest companies like Google and major auto manufacturers getting on board, at this point it’s almost a sure thing. Self-driving vehicles are going to revolutionize the auto industry, including insurance.
Here are a few ways experts predict the auto insurance industry will change.
[Read more…] about How self-driving cars will affect insurance
Relaxing on a boat is a great way to spend the summer. Don’t let your time in the sun be ruined by a failure to follow basic safety procedures.
Here are seven tips to keep in mind every time you take your boat out. [Read more…] about 7 tips for safe boating this summer
You already know that your credit score is the primary factor used to determine your eligibility for various types of loans but did you know that your credit affects your auto and homeowner’s insurance rates, too?
Insurers use something called your credit-based insurance score to determine how much you pay for coverage. Here’s what you should know about this number, and how you might be able to lower your rates. [Read more…] about Why you should check your credit report before shopping for insurance
If you’re here for the simple answer, and you’re not worried about anything ever happening to your boat, you can stop reading now, because the state of New Jersey has no insurance requirements for boats.
But just because there’s no legal stipulation for boat insurance doesn’t mean you should set sail without the extra peace of mind a good insurance policy affords.
It’s likely that after your home, your boat is your biggest investment. If you want to protect that investment, here are 3 types of coverage that can help. [Read more…] about What boat insurance coverage is required in New Jersey?
For rare memorabilia like a first edition Hemingway, a limited edition Beatles album signed by the band, or a one of a kind car a normal insurance company may not have the specialized knowledge to value and determine the risk of loss.
For that there’s Lloyd’s of London. They have been the insurer of unusual risks for years. [Read more…] about About Lloyd’s
The job of an actuary is to look for statistical factors that can predict the chance that someone will file a claim. Some factors are obvious, such as past accidents or speeding infractions, but some are not.
Here are just a few factors that affect your auto insurance premiums. [Read more…] about 6 factors driving your auto insurance premiums
In the dangerous world of construction, insurance claims are unavoidable. Accidents are unpredictable and even the best safety equipment can fail.
Avoiding the most common safety risks can go a long way towards protecting your workers and your business. [Read more…] about Construction site safety
In the event of a disaster, being prepared can make all the difference in the world. Having a disaster readiness plan prepared before an emergency eliminates a lot of stress and worry.
Use the American Red Cross’ Family Disaster Plan template to create your own disaster readiness plan, and follow these tips to ensure your family is prepared in all situations. [Read more…] about How to create a disaster readiness plan
If you’re looking to move or have recently moved to New Jersey, or are simply looking to evaluate your existing policy, it can be helpful to know exactly what coverage is required by the state.
This guide outlines basic coverage, the bare minimum required to operate a vehicle, as well as standard coverage, which offers more protection and more rights should you pursue legal action.
Many options are available to give you added protection over-and-above the minimum coverage described in this article. Most people will want to speak to their insurance agent to select the coverage that is right for your unique situation.
[Read more…] about What car insurance coverage is required in New Jersey?