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Information on mortgages, home equity loans, and consumer credit to help you use the power of financing to your advantage.
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• Save money on Insurance NOW!
• Is Your Auto Insurance Company Rated? Several national rating institutions rate insurance companies. Do coverages, rates, and service vary from company to company? Why can you pay less with one company than another can for the same coverages? Choosing the best insurance company for you is a crucial financial decision. Does your insurance company have the financial strength to safeguard you and your family? If the company cannot pay future claims or benefits, other issues become far less relevant
• Seven Steps to Filing Your Car Insurance Claim. Having even a teeny-tiny car accident can be one of life's least enjoyable moments. However, accidents happen, and sooner or later, we all have the experience of meeting one of our fellow road travelers up close and personal. Using the following seven steps to filing your claim will help you get over this speed bump as smoothly as possible.
• Understanding How Your Credit History May Affect Your Car Insurance Coverage. Many personal auto insurance companies consider your credit information when determining how much premium to charge for your insurance. So if you are calling around for new insurance, keep in mind that many insurers are looking at your credit history. I hope that we will be able to let you know why and how they do this.
• 15 Ways to Lower Your Car Insurance Quote. Shop around. The difference in price between various companies can be significant. What one company may consider a high risk factor another company may not view as so important. Insurance companies arrive at a price for your car insurance by adding or discounting money after each answer you give to the questions they ask you. Each company has its own rules as to what they consider should increase or decrease your premium. By shopping around you get a better list of prices to compare.
• Factors That Affect Your Car Insurance Premium. Many factors affect the premium you will pay for auto insurance. Each is a statistically based risk for a specific population. The higher the risk associated with a person, the more he or she is likely to pay for coverage. We have elaborated on some of the risk factors below, but there are numerous others, including driver's gender, miles driven per year, purpose for using the vehicle (commuting to work, using for work, leisure only), etc.
• Why Should You Shop Around for Auto Insurance. How do you know if what you are paying for your insurance is a good deal? What is a good deal? Is choosing the cheapest company the best way to go? Does buying from the most expensive company mean you are buying the best coverage? Generally, a good deal is a state of mind. As long as you are happy, with the amount of coverage, you have and how much you paid for it, you got a good deal. For each person, the amount of coverage they need and what they can afford to spend is usually a different amount.
• Do Insurance Premiums Increase Every Year? Many people ask, "If I am supposed to get a renewal discount, why do my premiums seem to increase with each renewal?" The answer is not always so simple. Each year, new vehicles cost more then they did the previous year. It will probably cost more to fix a damaged vehicle than it did last year, or five years ago when you first bought your current policy. However, in many cases, your renewal premium will be less. Some factors that contribute to decreases in your premiums are straightforward.
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• Which Car Should You Own To Keep Your Insurance Rates Most Affordable? Do you consider the cost of insurance before you buy your dream car? You should. The Highway Loss Data Institute analyzes the cost to insurance companies from theft, collision, and injury claims as they relate to cars. They look at the color of the cars, how many doors they have, and even break them down type.
• Auto Accident Insurance Claim Personal Injury Insights. There’s nothing that has a greater impact on evaluating a personal injury insurance claim than the damage done to your body, the medical bills that are a direct result of that injury and the “pain and suffering” you were forced to deal with.
• General Motors to debut new air bag technology. General Motors Corp. is introducing a new front passenger air bag that deploys differently, based on the severity of the crash, where the seat is and whether the passenger is wearing a seat belt.
• New government headrest standard designed to prevent whiplash. In an effort to prevent whiplash, federal regulators will require vehicle headrests to be higher and closer to the head by 2008 under a safety standard released Tuesday.
• Police say insurance defrauders broke limbs of homeless to fake accidents. Police say the ringleaders of an insurance fraud ring recruited homeless people to pose as accident victims and then broke their arms or legs with a crude ax handle.
• Visa to expand auto rental insurance coverage. Visa USA announced that it will provide car rental insurance to all of its credit card holders, effective Monday
• Vehicles sustain costly damage in tests because bumpers don't line up, insurance group says. The difference in bumper height between cars and sport utility vehicles leads to costly accident repairs even after low-speed crashes, an insurance group said Sunday.
• Insurance company issues cameras in bid to fight fraud. State Farm is distributing 77,000 disposable cameras to Long Island customers as part of a new program to cut into fraud. The insurer asks customers to keep the cameras in their cars until needed to document damages in an accident.
• SUVs, luxury cars perform poorly in latest bumper tests. Four luxury sedans and two sport utility vehicles received "poor" ratings based on the amount of damage they received in bumper crash tests performed by the Insurance Institute for Highway Safety. One SUV, the 2003 Honda Element, received an "acceptable" rating. Here are the vehicles and the average damage in four crash tests performed.
• Finding a decent used car for $1,000. I need a car, but can only spend $1,000. Is it possible to find something I can afford?
• State Farm excludes nuclear damage from auto coverage. State Farm, the nation's largest auto and residential insurer, is changing its car insurance policies to clearly exclude claims stemming from nuclear explosions or radioactive fallout.
• Hundreds charged in insurance scam that cost State Farm $48 million. Hundreds of people including doctors, lawyers, chiropractors and psychologists have been indicted on insurance fraud and other charges involving millions of dollars in claims on staged auto accidents that prosecutors say was part of an organized crime ring with links to Russia.
• Drivers lose privacy, get insurance discounts instead. For two months, Jacob Sevlie's insurance company tagged along whenever he slid behind the wheel of his Honda Accord.
• Risky drivers become a hot commodity for auto insurance industry. If you are a young driver with a couple of accidents and looking for insurance for that pricey new sports car - hey, no problem.
• Study finds no-fault insurance a prescription for treating whiplash. Got a case of whiplash? Some researchers say the best cure for reducing the pain from minor traffic accidents might be found in an unlikely place: No-fault insurance.
• Shop around for better rates on homeowners, auto insurance.With the cost of auto and homeowners insurance rising rapidly, it's a good idea to review policies to see if there are ways to reduce premiums.
• Where you live affects how much you pay for auto insurance.Looking to lower your auto insurance rate? Consider moving.
• Want to lower your auto insurance cost? Consider moving.Auto insurance premiums vary by $200 or more for identical cars in different cities, a study by the insurance industry says. Drivers in cities with high auto theft rates - such as Miami, New York City or Newark, N.J. - generally pay the steepest premiums.
• Auto insurers charge more for drivers with financial blemishes.Paying bills late has unintended consequences for many Americans _ it makes their car insurance rates higher. And if a driver has a bankruptcy or financial turmoil in his past, coverage may be hard to afford or unavailable altogether.
• Rising home and auto insurance rates squeeze consumers. After several years of steady or even declining insurance costs, Californians now face rate increases that could cost them hundred of dollars a year for car and homeowners coverage. Rates are on their way up in other states, too.
• Cars: Insurance. Gaze lovingly on that Pontiac Firebird convertible.Yes, it's powerful, expressive. For some, it's the perfect road machine. At a starting price of around $25,000, it's just a couple thousand over the average new-car price these days.
• Auto rebate vs. low financing calculator. Use this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate.
• Simple payment calculator. Determine your car payment based upon purchase price and interest rate.
• Miles per gallon calculator. This calculator will compute your car's Miles Per Gallon and forecast your gasoline expense for one month and for one year. It also allows you to see how much money you would save if you were driving a car that got better gas mileage.
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Lendingtips.com 464 Oak Avenue Naples, FL 34108
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