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Insuring Your Home

When we started thinking about buying a home, I realized that we had a boatload of work to do. I knew that we needed to save up a down payment, talk with a mortgage broker, and most importantly--figure out what we were doing about homeowners insurance. Fortunately, a friend of mine told me about a great insurance broker in our area who handled that kind of thing. We met with her to talk about our options, and before we knew it, we had found a policy that really melded with our budget and lifestyle. This blog is all about insuring your home.




3 Things You Should Know About Getting Car Insurance

If you own a car you are probably wondering what you should expect to pay for car insurance. The amount that you pay for car insurance depends on so many factors. Before you purchase a car or car insurance it is important that you educate yourself so you know what to expect with all the different expenses. Here are some things you should know:

1. Your Insurance Will Be Calculated Based on How Much Your Car Costs

When you first purchase a car you need to think about how the car that you choose will determine the insurance costs. For instance, if you buy a used American made car that has a lot of miles and doesn't cost very much, then you will pay a lot less in insurance. Conversely, if you buy a foreign made car that is brand new and has all the bells and whistles, then you will pay a lot more in insurance. Thus, when you purchase a car make sure that you are considering the cost of insurance and not just the cost of the car and its payments.

2. Even If You Don't Own A Car, You Still May Need Insurance

Some things people don't recognize is that you still may need to carry insurance even if you don't own a car. The idea is that even if you don't own a car, there still is a chance that you will drive a car at some point. You might borrow a friends car, rent a car, or have to drive a some point. This is why you should have some sort of insurance so long as you have a drivers license. It will be a lot cheaper than if you were to own a car, but you still may need to carry it.

3. You Should Get Quotes From Multiple Carriers

Before you get any insurance you need to talk to multiple carriers about quotes. Each carrier will have other things they can offer, which means that the prices may vary a little bit, and so will the coverage. This is why you should never accept just the first offer. Instead, it is better if you can get a lot of information from multiple carriers. This will be the best way to determine what the best option is for your budget and your needs.

By understanding these things you can have a better idea of what you should get in car insurance. Check out a website like for more information and assistance.