Beware of Parking Lot Hazards at the Holidays

During the busy holiday season, there are many distractions that make parking lots a fairly dangerous place to be.  The combination of early sunset, increased traffic and pedestrians, scam artists, vandals and thieves, and people in a rush, can sometimes be a deadly combination.  Unfortunately, just a momentary distraction or lapse in judgment can lead to tragedy. Fourteen percent of all collisions in the U.S. each year happen in parking lots, and can result in costly insurance claims for vehicle damage.  Even worse, it you strike and injure a pedestrian, the costs are even higher in terms of both dollars and emotional distress. Some basic tips can help keep everyone safe during the especially busy holiday season: Check your surroundings 

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10 Ways to Lower the Cost of Your Homeowner’s Insurance

While most states don’t legally require you to carry homeowner’s insurance, just about every mortgage lender is going to require proof of coverage for the term of your loan.  Regardless of whether you are required to or not, homeowners should carry insurance on their homes because it’s often the largest asset they own. Don’t be fooled into thinking it’s too expensive. You can find the right amount of coverage to suit your needs at affordable rates if you follow these guidelines: Shop around – Talk to a number of insurers, and ask about rates and services offered, especially when it comes to handling a claim. Raise your deductible – A deductible is the amount of money you are responsible for 

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Does Age Effect Car Insurance

As people age, their driving habits change. Inconsistent schedules, retirement and new hobbies may affect where and how often they drive. Most older adults have spent many years behind the wheel and they try to drive cautiously as a result. When they are in accidents, they tend to sustain more serious injuries than younger drivers. Their hearing, vision and motor skills start to decline as the years pass, and some health conditions or prescription medications can affect their ability to stay alert while driving. Driving Habit Changes Since retired individuals have more leisure time, they often try new activities, take frequent vacations or spend more time with friends and family. It is important for retired adults to continue driving as 

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Selecting the Right Boat Insurance

Millions of Americans take to the water each year during boating season, traveling the coastlines, rivers, lakes and canals all over the country. The watercraft range from simple rowboats to jet skis to small motorboats to luxury yachts. Boat owners spend significant amounts of money buying and maintaining their boats. The need for insurance protection when the boat is on the water is obvious, but many boat owners question the need for it during the off-season. However, insurance is just as important when the boat is in storage as when the owner is using it. A typical boat insurance policy provides the following coverages: Damage to the boat, motor, and trailer; Damage to portable property used in the maintenance and 

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These Factors Influence The Cost Of Auto Insurance

The average annual rate for an auto insurance premium is $800. However, this number varies widely based on individual factors. Different risk factors that have been linked to accident statistics affect the final rate. These factors are often better at determining risks than analyzing individual driving records alone. While not all companies use every determining factor in this article to price an auto insurance premium, they use several. Driving Record This is something used by every insurer to determine policy pricing. Those who have had multiple at-fault accidents in the past are more likely to be involved in an accident in the future. However, a person who has not had any prior accidents is a lower risk for insurers and 

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