Daily Archives: January 19, 2018

Archive of posts published in the specified Day

Jan
19

How to Find Affordable Car Insurance in Nevada

If you think it looks like it's getting harder and harder to find affordable car insurance in Nevada you're not alone. Car insurance premiums have been going up all across the state, even for drivers with good driving records who have never filed a claim.

It has gotten so bad that some drivers are contemplating driving without auto insurance – but do not you be one of them. Automobile insurance is mandatory if your drive a car in the state of Nevada and the penalties for driving without insurance are extremely severe – and could result in your driving privileges being suspended indefinitely for a good long time.

The answer is to find ways of driving down the cost of your car insurance premiums and allow you to find affordable car insurance here in Nevada.

Start by maintaining a good driving record. Do not drive when drunk or impaired in any other way. The potential penalties are simply too severe. In addition to any legal problems you may face, your auto insurance rates are likely to soar if you are denied of any moving violation, especially drunken or impaired driving.

If you smoke, consider quitting. It may be difficult to quit, but the money you save – including the savings on your car insurance premiums – can make all the discomfort worthwhile.

If you are in school stay there and study hard. If you are a student and you can maintain a "B" average most car insurance companies here in Nevada offer what is called a Good Student Discount.

If your parents are willing, have your car added to their policy rather than taking out a policy of your own. Most companies charge student driver's less if their policy is attached to their parent's policy.

If you are over 50 take a safe driver refresher course. Such courses are even offered online and the successful completion of one of these courses can save you up to 10% on your car insurance premiums.

If you are buying a car do not get that sports car or SUV or muscle car, not unless you are prepared to pay a much higher insurance premium. However, do by a car with air bags and other safety features, as these tend to lower your auto insurance rates.

If you have two or more cars make sure they are both insured by the same company. Most Nevada car insurance companies offer a multi-car discount – also, if you have a homeowner's insurance policy or a health insurance policy or long term care policy or any other insurance policy, consider having it carried by the same company that insures your car. Most companies off a rather hefty multi-policy discount.

Be willing to pay the highest deductible you can afford. No one likes paying for any portion of an accident out of their own pocket, but the larger your deductible the lower monthly car insurance premiums are going to be.

Lastly, go online and spend whatever time you …

Jan
19

Cashing Life Insurance Settlements

Life insurance is taken to provide security to an individual?s life against events like accidents or death. A life insurance policy is a contract between the insurer and the company that offers such a policy. Herein, the company agrees to pay an agreed sum of money or cash in case of an accident or death. Cash Life Insurance Settlement policy could be surrendered at times when there is a shortage of money. Hence such policies are sold for cash to meet expenses like medical treatment, inability to pay premium on time, and so on.

When such insurance documents are sold, policy sellers benefit by converting these assets into liquid money, which can be invested as and when needed. It proves profitable to sell off a policy, as it could be worthless if premiums are not paid in time.

Cash life insurance settlement companies offer a high amount on insurance settlements than what insurance companies offer. Usually such cash life insurance settlement companies buy policies from general public, and trusts and offer a fixed rate amount to policy sellers. Cash life insurance settlement company may be the principal beneficiary on the amount at the event of death of a document holder or when the policy matures.

Senior citizens who are above the age of 65 years may be required to sell cash life insurance settlements at times. This could meet emergencies when senior citizens may require money for their medical treatment and other needs. Hence, these cash life insurance settlements are sold to companies for a price that is a little higher than the purchase value. At times brokers bid for policies and whichever is the highest amount, is paid to such citizens. Policyholders may have the right to choose whether to opt for this amount or not as these policies may be worth approximately one hundred thousand dollars.…