Auto Insurance for Teenagers

Teenagers looking for cheap auto insurance rates can complete a quotes comparison and sort out the companies which will offer low prices in a matter of minutes. Thanks to automated online technology, teens can answer a set of questions to get instant quotations from many recognizable brands offering a large variety and types of coverage.

Compare rates, then buy online to get proof of car insurance:
Teenagers who saved on auto insurance.

Why is it important for a teenager to compare car insurance rates:

When it comes to teenagers, getting rates from a variety of carriers is important because it helps locate those who offer a cheaper rate to teens. In reality, some companies even target the teenage drivers because they are profitable in the young driver category. In the other hand, some coverage providers let you know that they find you too risky by quoting an outrageous premium.

OnlineAutoInsurance.com offers instant auto insurance rates from a group of companies who are quite competitive in the teen category. Give it a shot, it only takes a few minutes to compare side by side prices from popular insurers.Parent and teenage driver.
For Parents:
Is it cheaper to add me to my parent's policy or get my own? The best way to answer that question is to get quotes from other companies to see the insurer to offer cheaper auto insurance for the desired coverage. Simply enter zip code above to begin providing the basic information needed for a teenager's quotes from multiple companies.

Frequently asked questions by teen's parents:

Should I add my child to my policy or have them open a new one? - Adding your child to your current auto insurance policyDetermining whether you should add a child to your current auto insurance policy or have them open a policy independently depends on a few factors. First of all, it is a good idea to have your agent or carrier give you a quote for the addition of the child. Remember that if you have multiple vehicles on your policy, he may cause an increase in premium for all vehicles on the policy.

What Kind of Car Should My Teen Drive?

Nothing beats the thrill of being handed your first set of keys to go out for a spin. Most parents teach their child to drive in their own car, while others opt to purchase a vehicle that will be deemed as the teenager’s. Parents do their best to set ground rules for the new driver such as setting curfews, weekly mileage limits, and requesting insurance money from the teenager. They do their best to explain the traffic laws and enforce driving the speed limit. One additional safety measure we can take is thoughtfully deciding what car the teen will drive. Whether the new driver will be driving the car every day or just once a week, the vehicle needs to be in safe and good working condition. There are a few factors to consider when deciding which vehicle to allow your child to operate on the roads.

Year of the vehicle
The year the vehicle was manufactured has a great deal to do with how safe it is. For instance, beginning in September of 2007, it was required that all seatbelts in a vehicle be a three-point belt, which is a lap belt and a belt across the chest. Before then, middle seats in the back seat of a car were permitted to only have lap belts. Some older cars have a stationary lap belt with a moving chest belt (when you close the door the chest belt moves towards you) in the driver and passenger seats. These are not as safe as a stationary three-point belt.

The year of the vehicle also indicates the use of airbags. Consider your child being hit by another driver; would you want airbags in just the front or would you prefer side airbags as well? Until 1995, airbags were not mandatory in trucks, so some do not have them. Some vehicles are equipped with side curtain airbags, rear curtain airbags, knee airbags, and even roll-sensing side curtain airbags found in some SUVs.

Obviously, the age of the vehicle will predict how much work it will need in the future. You may find it difficult to find replacement parts for some older cars, and you might find yourself needing to fix an older vehicle more often than a newer vehicle.

Make and model of the vehicle
Some of the manufacturers that produce vehicles are known to offer a quality car that will run for many years and only needs the basic tuning. There are other manufactures that people know to be leery of, having a reputation of faulty parts and weak abilities. Finding a manufacturer, or make, of a vehicle that will keep you from worrying about the car falling apart after a few months of use is a way of knowing you’ve purchased a safe vehicle.

The model of the car is also important. For example, a Subaru Forrester wouldn’t get a male teenager in as much trouble with traffic violations as a Subaru WRX. A sportier car will be driven faster just because it can be driven faster. While both models are safe cars from Subaru, you typically wouldn’t see a teen racing around in a Forrester, but you can bet you’d see the teen become a lead-foot in the WRX. Do the smart thing and avoid allowing your teenager to drive a car that invites speeding or other reckless driving.

You will also want to consider a model that is mid-sized or larger. It may not be very safe to let a new driver behind the wheel of a monstrous SUV, but it is definitely a safety hazard to allow a teen to drive something very small. There is little protection in a small, two-door vehicle, despite its being cheap to buy and inexpensive for gas. Teenagers don’t have the experience needed to quickly maneuver around a semi-truck or other large vehicle if in distress.

Safety features
Many cars on the road today offer safety features. These features are both passive and active safety devices. Earlier mentioned were seatbelts and airbags, an active and passive safety device respectively. These two features save thousands of lives each year when used correctly. Encourage (and maybe demand) your teen driver to fasten the seatbelt before the engine of the vehicle is even started. Also have your teen pass this rule on to any passengers coming along. An anti-lock break system is another safety feature you may require for your teen’s car.

Price
The price of your teen’s car will probably factor into your decision, but every parent will have a differing opinion here. Some parents will outright purchase the car for the teen, while other parents require the teen to purchase their own vehicle. The third group of parents offer to help pay for the car by either matching what the teen has saved or by giving a flat rate. Whichever group you fall into, remember that cheaper cars are older cars, and older cars tend to have more problems and are less safe. Teenage drivers need vehicles that will be dependable and offer safety, not only for their wellbeing but also for the wellbeing of the other drivers on the road.

Cost of Insurance
Teenagers are one of the most expensive groups of drivers to insure. Because of their lack of experience and relative inability to make good judgments quickly, they are involved in more traffic violations and accidents. Companies rate auto insurance for teenagers as high risk, meaning they pose a higher risk of filing a claim than an older driver.

Each vehicle costs a different amount to insure. Safer vehicles cost less to insure, but newer vehicles cost more than older vehicles to insure. When deciding which car to allow your teenager to drive, talk with your auto insurance agent and find out which car out of your possible choices would fit your budget best.

Because every family is different, there may be additional factors determining which car to allow the teenager to drive. These are only the basics to consider. This decision is an important one, but the more important thing to consider is whether or not your teenager is ready to operate a vehicle without a parent’s supervision. Putting a mature teenage driver behind the wheel of a safe vehicle is the best chance to avoid any accident situations.

How is My Policy Premium Determined?

Do you really think your auto insurance policy premium is just a random number the insurance company came up with? Of course it isn’t. There’s a method behind the madness of figuring out someone’s policy. The catch is, every company figures the numbers a little differently. There are a few main items that affect your rates, and once you know them, you can work at improving those factors to the best they can be so you can be sure to get low rates. Here’s a list of 9 things that factor into your auto insurance premium:

Driving Record: Isn’t it obvious that your past performance behind the wheel indicates what you are likely to do in the future? Auto insurance companies seem to think so. If you have a driving record full of past traffic violations and accidents, you are sure to see a higher premium than someone who does not have a list of offenses. Even if you have made the decision to drive better from now on, you will still need to prove this to the insurance company by having a certain time period (12 months or longer) free from any incidents. Anyone who has a clean driving record will get a better premium price.

Vehicle’s location: Where you drive your car on a regular basis and the location where it is parked when it’s not in use is a vital part of determining your premium. If you are driving your car or storing it in a location where there is a high crime rate, you will be paying more for auto insurance because there is an increased risk your vehicle will be stolen or vandalized, which will end up with you making a claim to the insurance company. Parking your car over night in a locked garage in a low crime suburb will give you a cheaper premium than parking the car on the street in the city during the night.

Credit score: Believe it or not, your credit score has an affect on your premium. You may begin to wonder what the correlation between credit scores and driving have with each other. Truth is, there is little direct connection. A bad driver could have a really good credit score, but unfortunately, on average this is not the case. Most people with bad credit also have a bad driving history. Auto insurers are led to believe that people who have a good credit score (or higher) are more responsible and cautious in general, including in their driving habits. Therefore, people with good credit are probably going to be filing less claims.

Age of driver: The age of the driver plays a tremendous role in the cost of the premium. The older the driver, the more experienced the driver is, which theoretically means the less chance there is of that driver filing a claim with the insurer. Young drivers don’t have the same level of know-how in dangerous situations on the road, and they tend to not see everything going on. Younger drivers are also seen as carefree and a bit irresponsible. These young drivers are eligible for discounts if they receive good grades, showing their level of responsibility.

Car: The make, model, and year of your vehicle is also an important factor in determining a driver’s rates. Think of it as the more the car is worth, the more insurance you will be paying to drive it because it costs more to replace if it’s damaged. To compare, think about driving a Porsche or BMW versus a Hyundai. The Hyundai is worth much less to replace than the Porsche or BMW, whether it is just a replacement part or replacing the entire car. If you want to keep your rates down, drive a modest car that is a few years old.

Mileage: When requesting a quote from any auto insurance company, you are asked how many miles you drive, or how many you estimate you’ll be driving in the next year. This is because the number of miles driven affects the premium. The thought here is the more miles you drive, the more you are on the road and the higher the risk is that you will be requesting a claim from the insurer. Anyone who is commuting every day of the week has a greater chance of being involved in an accident or receiving a traffic violation. A person who rarely drives has less of a chance.

Coverage purchased: Each coverage offered to drivers costs an additional amount and is added to the total policy cost. While some coverage options, like bodily injury liability and property damage liability, are necessary to drive legally in the United States, other coverage options are just that - options. By carefully reading through and understanding which additional coverage options you want to add or take off, you can increase or decrease your premium accordingly. Although it’s tempting to only carry the absolute minimum coverage on your policy, it may be wise to rethink and purchase a little more so you are better protected.

Deductible: For an auto insurance policy, each driver is given the choice of how much deductible should be included. A deductible is the dollar amount the policyholder needs to pay to the insurance company before the insurance company will pay for medical bills or repairs. The deductible amount varies, but it’s typically $250, $500, or $1,000. It could be even more with some insurance companies. When the policyholder chooses a high deductible, the insurance company lowers the premium because the policyholder is taking on more financial responsibility for accident-related expenses.

Marital Status: It’s true that married individuals pay less for auto insurance than their single friends. Insurance companies do not favor someone who is married over someone who is not; there is simply a strategy behind it. Insurers believe that someone who is married will take fewer risks because of their spouse. These fewer risks include driving safer when the spouse is also in the car.

There are other factors that determine an auto policy’s premium. You can always talk to your insurer to find out what else goes into making your premium. Some of these factors are easily changed, while others aren’t. Do what you can to make changes in your life so your premiums will decrease.

10 Ways to Save on Auto Insurance

Saving on auto insurance Looking for ways to cut back on living expenses? How about decreasing the amount of money you are spending on auto insurance? If you didn’t think there was any hope in saving money in this area of life, think again. There are quite a few ways to reduce the cost of your auto insurance. Read on for some saving methods:

Tip #1: Shop around
It’s no secret that the company offering the cheapest insurance rates usually wins the customer. Auto insurance companies take this into serious consideration as they make their decision in how much to charge a customer. They know that if you find a cheaper rate for the same coverage, you are most likely going to switch companies. You can use our site by entering in your information and we will provide quotes for insurance coverage from different auto insurers. If you happen to find a cheaper policy elsewhere, go to your current insurer and let them know. They may be willing to match it.

Tip #2: Drive safe
The more often a driver is issued a traffic ticket, the more money that driver will pay towards auto insurance. The same is true for accidents, too. By having these marks on a driving record, an auto insurer will view you as a risky driver, and risky drivers pay higher auto insurance premiums. If you want to pay a lower premium, you will need to clean up your driving record and keep it clean. With no accidents or tickets on your record you can rest assured you are getting a great rate from your insurer.

Tip #3: Get good grades
If you are the parent of a driving student, encourage your child to get good grades as this will lower their insurance rate and save you money. Teenaged drivers are very expensive to insure, and by getting B’s or better on their report card they will show they are more likely to think better in a stressful situation behind the wheel, and therefore have less accidents and make less claims to the insurer.

Tip #4: Take a class
Auto insurance companies offer different classes to drivers to help better the knowledge and driving skills of their clients. It is thought that after a driver passes these classes, the driver will practice more caution on the road, which leads to a decrease in making claims for accidents. Some of these classes include a defensive driving class that trains behind the wheel, while other classes are offered inside a classroom. There are classes that can teach you how to drive a large van and there are classes offered where the instructor will work with you one-on-one. Proof of passing the class will get you a discount on your premium.

Tip #5: Store your vehicle
You’ll notice as you give your information regarding your vehicle to potential auto insurers, they want to know your zip code and the place in which you park your vehicle at night when it’s not in use. This is because the location of your parked vehicle factors into your rates. If you live in an area where the crime rate is high, you are going to be charged more for your premium, and if you park your car in the street you will also pay more. Keeping your car parked in a locked garage in an area with low to no crime will get you cheap insurance.

Tip #6: Safety features
Having safety features on your vehicle will also save you money on auto insurance. These safety features include the VIN number etched into your windshield and other places of your car, having a car alarm, and having low-jack or other theft-prevention system installed to locate a missing car are just a few of the possible safety features that will help prevent your car from being stolen or will help track down and recover your car if it is ever stolen. An insurer views these features as helping a vehicle and owner possibly making less claims for a stolen vehicle.

Tip #7: Keep all owned vehicles on one policy
If you have more than one vehicle in use in your household, you will want to consider placing all of the vehicles on one policy. By adding your new spouse’s vehicle or your teenager’s car to your existing policy, you will save money compared to putting those vehicles on their own separate policy.

Tip #8: Take the bus
Auto insurance companies also base your rates on the number of miles you drive per year. They figure the more mileage you put on your car, the more frequently you are on the road. This leads to an increase in accidents and traffic tickets, and possibly more claims will be made to the insurer. Another way to save on auto insurance is by driving your vehicle less. Take the bus to work or carpool with others to your destination. By doing this you will also save on gas and the wear and tear of your car.

Tip #9: Get a cheaper car
Some cars are more expensive to insure than others. More specifically, vehicles that are brand new, SUVs, or flashy sports cars will cost more to insure than a vehicle that is more used and modest in nature. When you are comparing cars to purchase, give your insurer a call and ask what the estimated rates would be to insure those cars. There may be a major difference between the estimated rates and you could prevent a huge disappointment by making that call. It will also be much cheaper to insure your teenage driver if you allow them to drive an older and modest car as well.

Tip #10: Increase your deductible
Most auto insurance policies allow the driver to choose the deductible amount. This amount is the dollar price you would pay out-of-pocket in the event you need to make a claim. The insurance company will cover the rest of the cost, up to the amount you have already purchased. Deductibles usually range in the amounts of $250, $500, to $1,000, and may even go higher. When you choose to only carry a $250 deductible, you will pay higher insurance rates compared to if you carried $1,000 for your deductible. Find out the difference in cost and see if it’s worth having a higher deductible amount to save money on your policy.

There is no magic way to easily get cheap auto insurance, but with a little work on your end you will be able to find a way to lower your rates and pay a premium cost that is more manageable for your budget.

Why Would My Car Insurance Company Cancel My Policy?

It is possible for an auto insurance company to cancel a driver’s policy without obtaining permission from the driver. Some drivers believe the contract between the company and the driver will only be canceled upon the request of the driver, but this is not completely true. An auto insurer may terminate the auto policy at their discretion. The law of every state is that all drivers must hold proof of financial responsibility, or a form of auto insurance, to operate a vehicle on main roads. If a driver is found without auto insurance (or the equivalent) that driver will be held accountable and will be punished with fines, the suspension of the vehicle or license, or even prison. Each driver needs to be aware of the current status of their auto policy as often as possible.

Fortunately, an insurer cannot decide to stop providing insurance to a person without first notifying the policyholder. An auto insurance company is required to send a notice to your address they have on file at least ten days before the policy is to be canceled. This notice will inform the policyholder of the cancellation date and the reason why the insurance company is terminating the policy. This time period allows the driver to receive the notice and contact the company to resolve the issue before the policy is canceled. If the driver wants the policy canceled, simply waiting until that given date and doing nothing will automatically cancel the policy.

There are legit reasons as to why an insurer would cancel a policy. All drivers carrying auto insurance should be aware of reasons an auto insurance company may cancel their policy. Most of the reasons pertain to the driver who is insured and their actions.

An insurer can cancel a policy because of late or not paid bills. When the premium bill is disregarded and not paid, the auto insurance company will cancel the policy because they do not believe they should insure the driver when the driver is not paying for that protection. Making your premium payment on time or early will guarantee your insurer to not terminate your policy on account of late or missed payments. Any driver who struggles to make payments on time might want to consider paying the premium in one lump sum instead of making monthly payments, or contact your insurer about an automatic bill pay through either their site or your bank.

Any driver who has experienced this may easily be able to fix the problem with a phone call to the insurer and paying the bill right then.

Another valid reason an insurer can cancel a policy is due to misrepresentation or fraud. By claiming something to be true when it isn’t, the auto insurance company can void the policy. This is why it is important that when providing information to your auto insurance company, you give the honest truth. If you park your vehicle on the street but claim to park it in a locked garage, you are providing false information. When the insurance company finds out about the misrepresentation, they can cancel your policy.

All potential customers are asked to give information regarding themselves and the vehicle they wish to insure when applying for a policy. Auto insurance companies take the provided information and use it to determine the premium cost for that policy. There are certain things that cause a premium to increase or decrease. Take the example mentioned above. The person whose vehicle is parked in a locked garage will pay less for auto insurance than the person whose vehicle is parked in the street. An auto insurance company is willing to provide cheaper rates to the locked garage because that person is making an effort to keep the car safe. Auto insurance companies do not like to be lied to.

A third possibility for the cancellation of a policy by the insurer is when the driver has been deemed too dangerous to insure by the company. Any time a policy is formed or renewed, the insurance company assigns a level of risk to each driver. As the level of risk increases, so do the premium prices. (The level of risk indicates predictions made by the insurer that the driver will make a claim.) Each time a driver is involved in an accident, the level of risk increases. This is also true for receiving traffic tickets since people only receive traffic tickets when they are not obeying traffic laws. Don’t worry too much if you are involved in one accident or traffic ticket though. As long as these are very infrequent or never, you will not need to worry about the insurance company canceling your policy.

A more serious situation would involve driving under the influence, or a DUI. Participating in this act may cause serious accidents or even death, and the penalties for driving drunk are expensive. An auto insurance company may not be too forgiving about receiving even one of these offenses.

If your policy has already been canceled or not renewed by the insurance company, you will need to find another auto insurance company or contact your previous insurer to reinstate your coverage. The quicker this is done, the better. Auto insurance companies look at the length of the policy lapse and may charge more for you to have auto insurance again. Auto insurance companies are very particular about how safe and responsible a driver is, and showing a long gap between your previous policy and this new one will show them a lack of responsibility.

By the time you have new auto insurance coverage, you will be set and legal to drive again. Sometimes little mistakes, such as forgetting to pay one bill on time, are no big deal IF they rarely happen and are resolved quickly. The trouble really begins when those little mistakes occur over and over again, and it becomes apparent that you are not as responsible as once thought by the insurer.

Auto Insurance Financial Responsiblity Law?

When referring to auto insurance, financial responsibility is the ability of a driver to pay for any damages when involved in an accident. The law related to financial responsibility is that no driver in any state can operate a vehicle without proving financial responsibility. There are different ways to prove financial responsibility so that a driver may operate his/her vehicle. Each state has their own requirements as to what is an acceptable proof of financial responsibility.

Financial responsibility is necessary for all drivers. By accepting financial responsibility as a driver, you are agreeing to pay for any accidental damages you cause to another person’s body or property. State law requires this for protection to each driver. Although you may be secure in your own ability to drive carefully, you cannot predict the actions of others.

The easiest and most popular method of obtaining and proving financial responsibility is by purchasing an auto insurance policy. There are many auto insurance companies around the country that are willing to provide insurance to drivers. These drivers are charged premiums based on the kind of car they will be driving, where they live, and their driving history. This method can also be referred to as a motorist liability insurance policy.

If you do not have auto insurance and find that this method will be the easiest way to show your financial responsibility, we can help you find an auto insurance company that will provide their services. Simply type in your zip code and give us the required information, and we will in turn provide you with quotes from these companies. You can review the quotes at your leisure without any obligation to purchase a policy and without any fees to even obtain the quotes. It is an easy way for drivers to compare auto insurance companies without having to directly contact the companies themselves.

A surety bond is another form of financial responsibility that is accepted by some states. A surety bond is a three-party contract. The surety, or a specific person, agrees to be held responsible for any financial damage incurred by the driver to another person who has been injured or experienced property damage. This bond is in the required amount by the state in which the driver resides. It must be issued by an authorized surety or an insurance company.

A state Motor Vehicle Department bond held by real estate equity of a set amount is applicable to financial responsibility in some states. This equity money can be used to pay for damages incurred in an accident.

There are two certificates that could be accepted by your state, the first is namely a state Motor Vehicle Department certificate for money or government bonds. This certificate is regarding a set amount of money required by the state that is on deposit with the State Treasurer. Another certificate that might be allowed by the state is a certificate of proof of financial responsibility that has been signed by an insurance agent. This certificate is part of a form that is given by your state’s Motor Vehicle Department.

A third certificate of bond is one that is issued by the state’s Motor Vehicle Department and is in a set amount, which can be covered by two separate people.

These examples are types of bonds that can be used to show proof of financial responsibility; only one is usually required. Most states require to show this proof of financial responsibility upon registration of a vehicle or to obtain or renew a driver’s license. The driver must show that either they have maintained financial responsibility in the past or that they currently hold financial responsibility. The driver must not operate a vehicle without such proof of financial responsibility, as doing so is breaking the law.

There are times when you will need to show proof of financial responsibility, such as when involved in an accident or when stopped by a police officer. Failure to show an insurance card or certificate of bond because you do not have one will result in heavy penalties. These penalties can include fines, suspension of a driver’s license or vehicle registration, or even jail time. When you receive your proof of financial responsibility, it is best to keep it in the vehicle so it readily available in the event you need to show it to a police officer. In some states, your vehicle can be randomly selected to check whether or not you are presently holding financial responsibility.

There could be a situation where a driver would need an SR-22, another type of proof of financial responsibility. This form is designated for high risk drivers, or those drivers who have been convicted of driving under the influence or have been involved in a large number of automobile accidents or traffic tickets. They are considered high risk because there is a “high risk” that these drivers will be filing a claim with their insurance company to pay for any damages for reckless driving. These drivers pay substantially more than a driver who is cautious and is considered to be a low risk.

An SR-22 is a type of proof that you have insurance. This form is filed by your auto insurance company to your state’s Motor Vehicle Department that will state your auto insurance is in effect. It is typically issued to a driver who was previously unable to show proof of financial responsibility, and is used as an extra way to make sure the driver now holds financial responsibility.

In conclusion, to avoid any legal action taken against you as a driver, always have and carry proof of financial responsibility. No matter what sate you live in, there are options for every driver to maintain financial responsibility. If you have the assets available and are financially sound enough to not carry auto insurance, look there. However, it may be more beneficial and less of a risk to look into using an auto insurance company to see what they can do for you as a policyholder.

Travel Insurance: Artilces, Coverage Options, Savings and More

Even if you have excellent medical, home, and auto insurance, it is most likely they do not provide much coverage outside your country. Here find out what to look for in a travel insurance policy, coverage options, savings advice and more.

Getting A Good Deal on Your Travel Insurance
You have shopped around and found a great deal on your trip, so why not shop around for cheap travel insurance? Yes, cheap travel insurance is available, especially if you are looking for travel insurance online. Check out these tips to find the best travel insurance deal.

Travel Planning and Insurance
Having excellent medical insurance does not always guarantee coverage when traveling abroad. Purchasing an additional travel insurance policy can cover possible problems that your current insurance may not cover.

The Top Ten Insurance Myths You Need to Know
Umbrella Insurance is for only for the rich. I am alive so I need Life Insurance, right? My co-worker is uninsured and that doesn't effect my insurance. Learn why these insurance myths are inaccurate and find out answers to the top 10 insurance myths everyone should know.

Real "Case Reports" of Travel Incidents
Here is a great link to real "case reports" of travel accidents out of the U.S. and how they were handled. This pdf document will give the traveler who is seeking travel insurance information a better understanding of why it is important to find a good travel insurance company and what to expect if an accident happens.

13 Page Sample Travel Policy
This is a great resource for someone wanting to view a complete travel insurance policy before purchasing one. This pdf sample policy will give you an overview of what to expect when purchasing your next travel insurance policy. When you get to the opening page, click on the sample policy link under the heading Backpacker Plan to the right.
Bureau of Consular Affaris Official Website
Here is the The U.S. Bureau of Consular Affairs official website and listing of up-to-date travel warnings, announcements and headlines.

Consumer Information Travel Checklist
This is an excellent resource for the first time or seasoned traveler. This list goes through everything you need to travel abroad from getting your passport, lodging, insurance, marriage, overseas purchases and much more.

State Specifics
All states have varying insurance laws. Want to know more about insurance laws specific to your state? Find your state commissioners website and phone number here.
Content Submission Form - Writer's Guidelines
Do you have experience in the personal insurance industry? Here is your chance to get your article published on my site! I am looking to publish guest articles from experienced insurance professionals.

Life Insurance

An important part of a sound financial plan, life insurance from The Prudential Insurance Company of America and its affiliates provides a valuable death benefit to your beneficiaries upon your death. Your beneficiaries can then use this money to replace some of the income you would have earned or to help pay off debts or other expenses.
The two types of life insurance are term and permanent. The one that's right for you depends on many factors, including your budget, the amount of coverage you need, and the length of time you'd like the coverage to last.

Term Life Insurance
Term policies can help meet a wide variety of business and personal needs and often provide the most coverage for your premium dollar for set periods of time. Whether you want to supplement your existing coverage or simply purchase insurance to meet a specific need, our term policies have the flexibility to help meet your needs. Learn more about our products.

Permanent Life Insurance
Permanent policies can provide lifetime protection. There are several different types of permanent policies:

Universal Life Insurance
Universal life insurance can help meet the needs of people who desire long-term death benefit protection with a flexible premium structure. Learn more about our products with a potential to accumulate non-guaranteed tax-deferred cash value.

Variable Life Insurance
Variable life insurance offers a choice of death benefit options and a potential to accumulate non-guaranteed tax-deferred cash value that fluctuates based on the performance of underlying investment options that you choose. Learn more about our products.
View Variable Life Insurance Prospectus and Performance.

Survivorship Life Insurance
Survivorship (second-to-die) life insurance insures two people and pays the death benefit when both have died. It is used primarily for wealth preservation.

Investors should consider the contract and underlying portfolios' investment objectives, risks, and charges and expenses carefully before investing. This and other important information are in the prospectuses. Please contact your licensed financial professional for the prospectuses. Please read the prospectuses carefully before investing.

It is possible to lose money by investing in securities.
Life insurance is issued by The Prudential Insurance Company of America and its affiliates, Prudential Financial companies located in Newark, NJ. Our policies contain exclusions, limitations, reductions in benefits and terms for keeping them in force. One of our licensed financial professionals can provide you with costs and complete details

Personal Property and Valuable Articles Insurance & Information

Find here information, articles, and online resources to help you choose and maintain the right personal property and valuable articles insurance.

Antique Jewelry, Fine Jewelry, Jewelry Gifts? Did You Remember Insurance?
Unfortunately, many people who have antique jewelry and fine jewelry do not insure it properly. And a big segment of uninsured jewelry is jewelry gifts. It can often be an overlooked insurance until the jewelry is lost or stolen.

Does Your Wedding Plan Include Insurance?
Not enough couples are considering wedding insurance when doing their wedding planning. As you put together your wedding plan, have you been worrying about the weather, loosing the rings, or someone falling and getting hurt? With wedding insurance you can put your mind at ease knowing that these and other concerns will be covered.

Computer and Laptop Coverage: Do you have enough?
You got the extended warranty and even checked with your homeowners insurance agent to make sure your new computer is covered. So, your safe now from whatever mishaps that may happen to your computer, right? Maybe not.
Keeping Track of Your Personal Property
Do you have your inventory list made? It is important to make a list of your personal property in case of an unfortunate incident such as a fire or theft.

Valuable Items Coverage
Before you buy more jewelry, check with your homeowners policy limits. The standard homeowners policy will limit coverage to valuables.
The Top Ten Insurance Myths You Need to Know
Umbrella Insurance is for only for the rich. I am alive so I need Life Insurance, right? My co-worker is uninsured and that doesn't effect my insurance. Learn why these insurance myths are inaccurate and find out answers to the top 10 insurance myths everyone should know.

State Specifics
All states have varying insurance laws. Want to know more about insurance laws specific to your state? Find your state commissioners website and phone number here.
How to Keep a Home Inventory Record
Keeping records of your home inventory is a good idea, not just for insurance purposes, but also to aid authorities in possibly recovering your possessions if they were stolen. Here are ideas and tips on how to keep a home inventory record.
Content Submission Form - Writer's Guidelines
Do you have experience in the personal insurance industry? Here is your chance to get your article published on my site! I am looking to publish guest articles from experienced insurance professionals.