Drive Less
Drive less and you may qualify for a low-mileage discount. Additional discounts are available on your auto insurance to those who commute or use public transportation during the week.
Increase Your Deductible
Increasing your automobile deductible from $250 to $500—or even $1,000—should make a noticeable difference in your premium. But remember that you will be required to pay the larger deductible up front if you have an accident.
Take Advantage of Discounts
Discounts are available for individuals who complete driver education classes, students who maintain good grades, and for households with multi-vehicle and multi-policy plans. Safety devices like antilock brakes, automatic seat belts, and airbags, along with antitheft devices such as LoJac®, car alarms, and tracking systems may also result in discounts.
Shop Wisely
Cars are rated on a risk scale for auto insurance purposes. In general, sports cars and other high-performance vehicles are classified as higher risks. That means your insurance rates will be higher.
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Don’t Overlook the Home Office
Having an office in your home means you should look into additional insurance specifically designed for a home office. Business-related liability coverage is not included in standard homeowners policies.
Buy Locally
You need to understand the state and local laws as well as federal laws for businesses when you are looking to buy business insurance. Because state and local laws are constantly changing, the best way to be sure you are protected by and following all state and local laws is to buy from an insurance company that has offices near your business. They can help provide you with the insurance you need.
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How Much Is Enough?
$500,000? A million? More? It depends on the number of years before you retire, your annual income, the age of your children, etc. This becomes a basis to determine how much your loved ones would need financially if you died. After all, life insurance isn’t for those who die. It’s for those who are living.
Avoid Taxes
Generally, there is no federal income tax on the death benefit paid out from a life insurance policy.
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Combine to Save
The premium for an umbrella insurance policy may be less expensive if the policy is purchased from the same insurer that provides the original auto, home, or watercraft insurance.
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