Don't kill your life insurance policyCertain factors can invalidate a life insurance policy. Protect your heirs by taking these steps.Shopping for a health insurance planGetting the right health insurance policy can make a big difference to your financial health.Keep kids covered with health insuranceMany children are unnecessarily uninsured. Health insurance can be cheap, even free for some families.Life insurance needs vary with lifestyleWhether or not you need life insurance depends on your age, family structure and financial situation.A mini-primer on permanent life insurancePermanent insurance is more far complicated and expensive than term. Here's a rundown on the different types.
get the highest deductible you can afford.
Liability Coverage - This coverage pays for your legal fees and any claims made against you if your car kills or injures someone, or damages someone else's property.
If you don't have a lot of assets you can go with the minimum your state requires. However, if you do have a lot of assets you should get the highest amount you feel will protect you from lawsuits.
Uninsured Motorist Coverage - This coverage pays for damages done to you, your passengers, and your car that are caused by uninsured or underinsured drivers and hit-and-run drivers.
With more than 15% of the population driving without insurance, and hit-and-run accidents on the rise, this is good coverage to have, especially if you live in states that have a high number of uninsured drivers like Mississippi (26%), Alabama (25%), California (25%), New Mexico (24%), and Arizona (22%).
Medical Coverage - This coverage, also known as personal injury protection, pays your medical expenses and your passenger's medical expenses if you're involved in an automobile accident.
Consider eliminating this coverage if you already have medical insurance that covers you.
Visit http://www.LowerRateQuotes.com or click on the following link to
get auto insurance coverage quotes from top-rated companies and see how much you can save. You can get more car insurance tips by checking out their "Articles" section.
The author, Brian Stevens, is a former insurance agent and financial consultant who has written extensively on auto insurance coverage.
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