Auto Insurance Quote Review

Have you thought about asking for a free auto insurance quote on the internet? Are you concerned because you may not know anything about the company providing the quote? Are you wondering how you can find out about the reputation of the company giving you a quote, especially when it comes to paying out claims?

This article will tell you how to find out about insurance companies: their financial stability and how many consumer complaints they receive, how to ask for a quote so you can compare apples to apples, and results of online quotes from eight known auto insurance companies.

How to find out the stability of an insurance company

The financial stability of a company is rated by A.M. Best and Standard & Poor's. These companies provide an independent opinion of an insurance companies ability to meet its ongoing policy and contract obligations. The A.M. Best rating is expressed as a letter grade from A++ (the highest) to D. It is recommended that you do not work with companies rating B or lower. The Standard & Poor's Ratings range from triple A (the highest) to CC. It is recommended that you do not work with companies rating lower than BBB.

How to find out individual policy holder satisfaction with an insurance company

Annually J.D. Power and Associates gathers data from policy holders nationwide regarding policy options, pricing, automated phone service and overall satisfaction, with the insurance company providing their insurance. The best rating is 5.

How to Find Out the Number of Consumer Complaints

The Department of Insurance for each state provides the general public with consumer complaint ratios. This ratio helps the consumer to identify the number of complaints per number of claims filed. A maximum of forty companies are compared. If more than forty insurance companies have complaints, only the forty companies with the most complaints will be compared. It is recommended that the complaint ratio be checked in three or more states to identify specific insurance company trends. A ratio of less than one hundred is better than average.

How to ask for a quote so you can compare apples to apples

A response to the following information must be decided before asking for an auto insurance quote:

    *Car make, model, year, current mileage
    *Deductible amount for collision, comprehension and liability
    *Coverage for medical
    *Purpose for using the car
    *Miles driven per year
    *Number of designated drivers
    *Drivers ages


What is the result of performing the above steps?

The Auto Insurance companies used for this Auto Insurance Quote Review are 21st Century, Allstate, Esurance, Geico, Nationwide, Safeco, The Hartford. These companies were selected based on longevity in the business and their familiarity to consumers throughout the United States. The stability, consumer overall satisfaction (Sat.), policy options (Opt.), price (of premium) and automated phone service rated as follows.

J.D. Power and Associates

Insurance Co. AMBest S&P Sat. Opt. Price Phone

21st Century A A 3 3 4 2
Allstate A+ AA- 3 3 3 3
Esurance A- n/a n/a n/a n/a n/a
Geico A++ 3As 3 4 4 3
Nationwide A+ A+ 3 3 2 3
Safeco A A- 3 2 2 3
The Hartford A AA- 3 3 4 3

The number of consumer complaints for these auto insurance companies rated as follows in the states of Illinois, Minnesota, Missouri, Texas and Kentucky.

The Complaint Ratio for Five States

Insurance Co. IL MN MO TX KY

21st Century n/a n/a n/a 199 n/a
Allstate 55 130 130 165 19
Esurance n/a 212 212 455 0
Geico 33 149 128 132 116
Nationwide n/a 76 76 131 0
Safeco 29 117 117 71 25
The Hartford 29 n/a 454 200 54

The Auto Insurance Quote Sample

The following information was used for all quotes:

    *2006 Toyota Camry 4dr v6 engine LE
    *50,000 miles
    *Driven under 9000 miles per year
    *Used for pleasure
    *$100 Deductible for comprehensive and collision
    *$250,000/$500,000 Liability & collision
    *$10,000 medical
    *One car and two drivers


Auto Insurance Quotes

The following six month policy quotes were received from each of the companies listed below:

Company Quote

21st Century $237.68
AllState $392.00
Esurance $343.00
Geico $260.10
Nationwide $415.40
Safeco $281.00
The Hartford $375.00

Ways To Lower The Premium

Most insurance companies will offer discounts for the following events:

   * Save driving record for 3 - 5 years
   * No minor infractions for 3 years
    *Anti lock devices installed in your vehicle
   * No DUI for the last 3 - 5 years
   * License not suspended for the past 3 years
    *Good credit rating
    *Car owned rather than leased or financed
    *A second vehicle is also insured
    *Other types of insurance is also purchased from them

High risk drivers can expect to have a higher premium. Not all insurance companies will insure them. In addition when a high risk driver has an accident, the insured can expect difficulty when attempting to get the vehicle repaired using car manufactured parts. Generally auto insurance companies will pay only for the cheapest parts available.

Some insurance companies offer a lower premium for the first year as an enticement to encourage you to get your auto insurance coverage through them. So always ask about the second year premium price.

Cheap Car Insurance Companies- How To Find The Cheapest Auto Insurance Companies

Generally average car drivers want to find the cheapest auto insurance companies to buy car insurance but the auto insurance prices vary a lot due to the insurance policies. To find the best auto insurance companies car drivers have to follow few techniques  and after reading this post you will have the ideas about how can you select the cheapest car insurance companies.

While going to search cheap car insurance you may get confused that all the insurance policies of companies are almost same, they offer similar advantages, every car insurance company offers special discount or low price, and attract you to buy policy from them. Keep in mind that these information doesn't help you so much to buy cheap car insurance and to find cheapest auto insurance companies.

You should do homework before going to buy policy. Make a list exactly what should be your coverage, if you have any policy already then what coverage you want to include. Try to determine unnecessary coverage and important coverage because if you include unnecessary coverage, you have to pay huge price and if you don’t consider important coverage, you may not get paid by the insurance companies.

The best technique to choose the best auto insurance companies is to compare car insurance quotes online. But the prices are not constant and vary insurance company to company. You can’t use auto insurance rates collected few months ago because the auto insurance companies may change the prices in the mean time. Get the latest car insurance rates online and compare them.

This comparison of car insurance rates online is simple and hassle free. You have to fill up the necessary information about yourself, your drivers license details, vehicles details and state. After giving information you will get car insurance quotes instant from the best auto insurance companies.

Finding the cheapest auto insurance companies compare car insurance quotes online is the easy way. You don’t have to pay any charge for car insurance quotes and have no obligation to buy policy from them. Its your choice from whom you buy car insurance. If you select the lowest price policy then go to the company’s website for more details and check the customers’ feedback. If you satisfy about the service quality, reputation, and claim handling process then you can decide to buy.

Cheap Car Insurance Companies - How To Find

In United States, every state has cheap car insurance companies and the drivers are recommended to buy auto insurance. This cheap car insurance is mainly known as basic liability insurance policy.

Car drivers who don’t finance their cars require to buy basic liability policy, but the lenders should buy more then basic liability insurance policy because lenders have more responsibility to the car then the drivers. The auto drivers should consider few things when they decide to buy cheapest auto insurance from cheapest auto insurance companies.

Getting basic liability policy doesn't cover all the liability occurred buy the drivers and if the state doesn't pay the drivers have to pay personally. It seems in many cases people lost their mortgages and homes because of accidents to third parties which doesn't covered by the car insurance companies. That’s why the car drivers must be very clear about buying car insurance and also should consider from whom they purchase the car insurance policy.

The basic liability insurance doesn't pay for the repair or replacement of the car because of accidents, but liability insurance might pay for the medical expense to the car drivers or the third parties. Be careful about the accident if you buy basic liability insurance policy unless you may face the tremendous costs.

In competitive market, the price can be determined by several factors and by market demand and supply is the common factor. It’s easy to find cheapest car insurance if they drivers take little time to research online and compare car insurance quotes. The rule of internet is not to buy anything at a glance. If you request auto insurance rates from one auto insurance company and buy from it, you may not get the cheapest auto insurance for sure. Request car insurance quotes from at least 5 auto insurance companies in your state, compare these quotes together and you will find out the cheapest auto insurance policy and cheapest car insurance company.

Remember lowest priced auto insurance doesn't mean the cheapest car insurance all the time. When you are going to compare auto insurance rates from different car insurance companies, you will see all the companies say the same about the liability, service quality, car insurance coverage and reputation. That time you have to rely on the customers rating, customers testimonial and information from independent rating companies.

Few car insurance companies offer cheapest auto insurance, but their coverage is poor or limited. Don’t fall for it. Try to find exactly the low cost cheap car insurance with maximum coverage from cheap car insurance companies.

Adam Lanza Fired Over 150 of These in Less Than Five Minutes:

If you think that's okay and should remain legal, then there is something deeply, disturbingly fucked-up about you. And if you think it's okay and should remain legal and you're spending time today remembering the crucifixion of your god, then you are an ignorant piece of shit. Have a good Good Friday, you prick.

The Defense of Marriage Act Was Always Discrimination With a States' Rights Mask:
At yesterday's Supreme Court hearing on the challenge to the constitutionality of the Defense of Marriage Act, a couple of the justices seemed shocked, just shocked, that the members of Congress who voted for it might have been anti-gay bigots. Indeed, much of the discussion, after an endless back and forth about legal standing, seemed centered on states' rights and federalism rather than DOMA just being wrong because, well, it's wrong. When Justice Elena Kagan read from the House Judiciary Committee Report on DOMA, which said, "Congress decided to reflect and honor of collective moral judgment and to express moral disapproval of homosexuality," it was a clarifying moment. She then asked, "Is that what happened in 1996?" Lawyer Paul Clement, seeming stunned, fumbled around and then sidestepped the question.

So let the Rude Pundit answer it with quotes from Republicans on July 11, 1996, during the debate in the House of Representatives over DOMA, and July 12, from press releases after it passed the House: "Yes, Justice Kagan, that is exactly what happened in 1996."

"Our law should embody an unequivocal recognition of that fundamental fact. Our law should not treat homosexual relationships as the moral equivalent of the heterosexual relationships on which the family is based." - Florida Rep. Charles Canady, one of the DOMA's sponsors, on July 11, 1996

"All this rhetoric is simply designed to divert attention from the fundamental issue involved here. It is an attempt to evade the basic question of whether the law of this country should treat homosexual relationships as morally equivalent to heterosexual relationships. That is what is at stake here: Should the law express its neutrality between homosexual and heterosexual relationships? Should the law elevate homosexual unions to the same status as the heterosexual relationships on which the traditional family is based, a status which has been reserved from time immemorial for the union between a man and a woman? Should we tell the children of America that it is a matter of indifference whether they establish families with a partner of the opposite sex or cohabit with someone of the same sex? Should we tell the children of America that we a society believe there is no moral difference between homosexual relationships and heterosexual relationships? Shall we tell the children of America that in the eyes of the law, the parties to a homosexual union are entitled to all the rights and privileges and benefits that have always been reserved for a man and woman united in marriage?" - Canady, later in the debate

"There is, as I said, a radical element, a homosexual agenda that wants to redefine what marriage is. They want to say that a marriage not only is one man and one woman but it is two men or it is two women. What logical reason is there to keep us from stopping expansion of that definition to include three people or an adult and a child, or any other odd combination that we want to have?" - Oklahoma Rep. Steve Largent

"I come from a district in Oklahoma who has very profound beliefs that homosexuality is wrong. I represent that district. They base that belief on what they believe God says about homosexuality. It is what they believe God says about it. What they believe is, is that homosexuality is immoral, that it is based on perversion, that it is based on lust...We hear about diversity, but we do not hear about perversity, and I think that we should not be afraid to talk about the very issues that are at the core of this. This is a great debate that we are going to have in our country, and it is not going to end with the debate on this bill. The fact is, no society that has lived through the transition to homosexuality and the perversion which it lives and what it brought forth." - Oklahoma Rep. Tom Coburn  (Yep, that's the dude who is a senator now.)

"My bill, which the President has said he will sign, draws the line with the vast majority of the American people and says No! My bill says states will not be forced to accept same sex marriage, and the federal government will take the straightforward step of defining marriage so no one may abuse a 2,000 year old understanding of what marriage is, and open the U.S. Treasury to raid by homosexual extremists determined to grant the whole range of federal benefits, including social security, or veterans' survivor benefits." - Georgia Rep. Bob Barr, July 12, 1996

"A union between two men or two women is no more a marriage than a union between three women and a man, a man and his car, or a cat and its yarn." - Texas Rep. Steve Stockman (He's still in the House.)

(Note: yes, a number of Democrats voted for the bill, but none of them are on the record being such assholes.)

avoid rental car insurance fees

How to avoid rental car insurance fees :  It makes me crazy whenever I rent a car, and the agent highly recommends I get the "collision damage waiver," or CDW. They tell me it's $15 to $25 per day.

With rates like that every day, they must think I'm a drunk who always drives on the wrong side of the road. Have they even checked my driving record? So, I never get it. Why? Because my insurance agent told me I'm already covered, and many of us are. Besides, I rent the car using a credit card, which also provides rental car insurance.

Is that extra fee sometimes recommended by rental car agents really necessary?

Typical Coverage*
Item	Rental Insurance	Personal Insurance	Credit Card
Damage to rental car	Yes	Yes	Yes
Damage to other cars	No	Yes	Possibly
Damage to property	No	Yes	Yes
Damage to people	No	Yes	Possibly
Deductible	No	Yes	Yes
Theft	No	Yes	Yes

A little pre-planning with your insurance agent can get you to say what I say: "No, thank you. Your daily rate is outrageous.", "I think a lot of people don't know" about coverage, says Don Bennett, owner of Sage Insurance in St. George. "That's the biggest problem. Every time someone rents a car, they're just not aware of what the coverage is."

Bennett says most people don't pay for the extra insurance and take the chance that they won't get into a wreck.

"It's much better to ask a few questions in advance and know where you stand should an accident occur," Bennett says.

The car rental agencies offer what's called a collision damage waiver. It covers damage to your rental car at rates from $15 to $25 every day. But it doesn't cover the damage to other cars, property — or, worse, people. And neither will your credit card.

That's why you should ask your insurance agent about whether the liability from your personal auto insurance will extend to your rental car. In most cases, it will.

"If you don't have comprehensive and collision coverage, the only coverage is property damage and bodily injury, through your negligence," Bennett said. "If you do have comprehensive and collision, that will extend as well."

But your deductible also extends to the rental car. If you have a $1,000 deductible on your personal car, that will also be the case with your rental. That's where your credit card comes in handy.

"Your credit card insurance would pick up that first thousand dollars in damage for you," Bennett said.

Here's another fee car rental agencies tack on after an accident: the "loss of use" fee. They'll zing you for every day the car was in the shop and they couldn't rent it out.

Now, the rental agency's own collision damage waiver covers that. But it's another question you should ask your insurance agent first.

"If your personal auto insurance doesn't pay loss of use or administrative fees, your credit card rental insurance may pay those," he said.

Discover Card does not, but Visa, Mastercard and American Express do. But here's the thing: The rental agencies have to show they didn't have other cars available to replace the damaged one. I know from experience they won't always tell you that, while tacking on the fee. They once told me it was standard practice in the industry. Here's another thing to consider: theft.

The collision damage waiver won't cover you if your rental car gets stolen, so see if your own auto insurance or credit card will cover that. If you are covered for theft, your policy might also say if you are careless with your own car or a rental, you're not covered.

"Like any personal vehicle, you want to lock the doors, take the keys out, that sort of thing, otherwise you run the risk of not having that coverage," Bennett said.

Here's another thing: If you wind up buying that car rental-offered overpriced insurance, you may actually be hurting yourself when it comes to credit card insurance. Bennett says credit card companies find out if you bought that rental insurance, and then the credit card won't have to pay.

If you do use your credit card and expect insurance coverage, the credit card must be the one issued to the primary renter of the car. If you rent a pick-up, SUV or luxury car, credit card insurance won't work — but still your personal insurance might.

best Term Life Insurance to option

best insurance stock - best type of life insurance to option : Search around the web for the best type of life insurance, and you’ll find lots of financial advisers who say, without hesitation, that term life insurance is best. While I generally agree and have term life insurance myself, the right answer for each individual is not always that easy.

The truth is that with life insurance, as with many financial products, “best” is a relative term. The question isn’t, “Which is best overall and for all time?” The question is, “which type of policy is best for me?”

The best life insurance is the one that suits your needs based on your current and predicted future financial situation.

Here, we’ll talk about the major types of life insurance – term, return-of-premium term and permanent – and look at the pros and cons of each. Then, you can decide which type of life insurance is best for you.

Term Life Insurance: Most Recommended Option

The American Council of Life Insurers says that term life insurance policies accounted for 3.7 million new policies totaling $1.1 trillion in face value in 2011. That’s nearly three-quarters of the face value of all individual life insurance policies issued in 2011.

That’s not surprising, given that most financial professionals (at least the ones who don’t get hefty commissions from selling permanent life insurance) say term is best.

And, in many cases, term life insurance is the best option. With term life insurance, you pay a set monthly premium for a certain amount of life insurance coverage for a certain amount of time. You might get $500,000 of insurance for 20 years, or $2 million for 10 years, depending on your circumstances.

But the key to term life insurance is that it’s for a set term and that the payments don’t change. Here are some of the pros and cons of term life insurance:

China Life Insurance expanding business 2013

best insurance stock - China Life Insurance expanding  business 2013 : China Life Insurance Co. (LFC) will primarily focus on expanding its life insurance business this year despite growing pressure due to slower sales in the sector, President Yang Mingsheng said Thursday.

The company will also eye investment opportunities in state-backed projects in regions like the Yangtze River Delta and the Zhujiang Delta, Mr. Yang said at a press briefing after the company reported a 40% drop in 2012 net profit late Wednesday, citing a "decline in investment yield" and an "increase in impairment losses resulting from continued weakness in capital markets."

Net profit for the 12 months ended Dec. 31 was 11.06 billion yuan ($1.78 billion) compared with CNY18.33 billion a year earlier, China's top life insurer by premiums said.

Mr. Yang also said bancassurance sales are likely to continue falling this year as insurers face increasing competition from bank products such as high-yield wealth management products.

China Life's vice president Liu Jiade said local stock markets may see some improvement this year, which would help improve the company's investment yield as well as bring down impairment losses.

Investment income for 2012 rose to CNY80.01 billion from CNY64.82 billion, while investment yield fell to 2.79% from 3.51%, and impairment losses more than doubled to CNY31.05 billion from CNY12.94 billion, it said late Wednesday.

SCOTUS and Gay Marriage: Cowards on the Bench:
The best way to think about Supreme Court proceedings is metaphorically: Picture a cat sitting on a dock on a lake. Someone has caught a fish and it's bouncing around, trying to get back to the water. The cat, left to its devices, might play with that fish, bat it around, try to pin it it down, for no good reason, just because it wants to test the limitations of the fish. And at the end, the cat might eat the fish, might just let it die in the air, or maybe help it jump back in the lake to swim away.

So of course a great deal of time was spent yesterday on the Hollingsworth v. Perry case regarding the constitutionality of California's Proposition 8, outlawing same-sex marriage, on issues like standing to bring the case to court and whether gays were a class that deserves equal protection. That can seem like the justices were trying to figure out a way to wimp out on any decision on the overall issue of whether or not the 14th Amendment's guarantees of equal protection under the law extend to the right for dudes to marry dudes and chicks to marry chicks. And it might turn out to be that way. But it could also be that they're just batting around fish just to see how high they flop around until they decide to give the big thumbs up to gay marriage. Look at John Roberts on the Obamacare case. He played with that fish until its scales were falling off, and all the predictions about that outcome were just wrong.

The most fascinating thing about the case yesterday was the way in which same sex marriage was treated as an "experiment," in the words of Charles Cooper, the lawyer for supporters of Prop 8, who said voters in California might have decided "to hit the pause button and await additional information from the jurisdictions where this experiment is still maturing." But, really, every marriage is an experiment, one that starts anew from the moment the deal is sealed when the license is approved. It's two adults getting hitched. Why does where their genitals are positioned during sex have anything to do with an adult decision?

Still, even Justice Sonia Sotomayor wondered, "If the issue is letting the states experiment and letting the society have more time to figure out its direction, why is taking a case now the answer?" Christ, should the South have experimented state by state with freeing slaves? Justice Anthony "Swinger" Kennedy offered, unhelpfully, "We have five years of information to weigh against 2,000 years of history or more."

That information would be the varying studies of how same sex marriage affects children adopted or had by the couple. To that end, let's take a look back at the words of  R.D. McIlwaine, assistant Attorney General of Virgina in the Loving v. Virginia case, as argued on April 10, 1967. McIlwaine was defending his state's law that made it a felony for whites and blacks to marry (although anyone of any other race could marry anyone they wanted). Read this and see if it's not pretty much the exact same goddamn thing Cooper is arguing now:

"We start with the proposition, on this connection, that it is the family which constitutes the structural element of society and that marriage is the legal basis upon which families are formed.

"Consequently, this Court has held, in a numerous decisions over the years, that society is structured on the institution of marriage that it has more to do with a welfare and civilizations of the people that any other institutions and that out of the fruits of marriage spring relationships and responsibilities with which the state is necessarily required the deal.

"Text writers and judicial writers agree that the state has a natural direct and vital interest in maximizing the number of successful marriages, which lead to stable homes and families and in minimizing those which do not. It is clear from the most recent available evidence on the psycho-sociological aspect of this question that intermarried families are subjected to much greater pressures and problems then those of the intramarried and that the state's prohibition of interracial marriage for this reason stands on the same footing as the prohibition of polygamous marriage, or incestuous marriage or the prescription of minimum ages at which people may marry and the prevention of the marriage of people who are mentally incompetent."

Then McIlaine brought out the science, a book he read by a real professor: "It is a statistical study of over 5000 marriages which was aided by the computers of the Harvard Laboratory of Social Relations and the MIT Computation Center. This book has been given statistical form and basis to the proposition that from the psycho-sociological point of view, interracial marriages are detrimental to the individual, to the family, and to society. I do not say that the author of this book would advocate the prohibition of such marriages by law but we do say that he personally and clearly expresses his view as a social scientist that interracial marriages are definitely undesirable that they hold no promise for a bright and happy future for mankind."

Stated flatly, McIlaine was saying that "interracial marriages bequeath to the progeny of those marriages, more psychological problems than parents have a right to bequeath to them."

If there were any difficulties with children of interracial parents at the time, it was probably mostly because the society around them was filled with racist assholes who wouldn't let them just live their lives. One of the things that ended the reign of racist assholes was the Loving decision. But that took courage by the nine justices (and Loving was unanimous, with conservatives and liberals calling "bullshit" on Virginia). Courage was in short supply on the court yesterday by any of the right-wing justices.

Kennedy did say, "There are some 40,000 children in California, according to the Red Brief, that live with same-sex parents, and they want their parents to have full recognition and full status. The voice of those children is important in this case, don't you think?" By the way, the whole "Think of the children" discussion is tiresome, and it demeans the gay couples who want to get married and don't want any fuckin' kids. Cooper's argument on the "procreative" responsibilities to society of married people was almost literally laughed out of the court by Justices Scalia and Sotomayor, albeit for different reasons.

Chief Justice John Roberts invited his lesbian cousin from San Francisco to sit in court yesterday. She wishes to get married to her longtime partner. Roberts engaged in some of the most aggressive questioning of Ted Olsen, who was representing those challenging Prop 8, even going so insultingly far as to say the whole case came down to what you call a committed relationship that's been granted the same rights as a married couple: "[A]ll you're interested in is the label and you insist on changing the definition of the label."

If Roberts doesn't vote to overturn Prop 8, after having his cousin watch, then he's just a sadistic, preening dickhead.

Best Auto Insurance Companies That Are Cheap

There are few best auto insurance companies in the insurance market and car drivers can find them if they have enough information. Many car drivers think cheap car insurance companies may be the best car insurance companies, but that not the case at all the time.

How to find the best auto insurance companies?
To be the best car insurance companies, they must have fulfilled some requirement like the value of service and service quality, presence of local agents when car drivers need them, insurance policies that are cheap and what the customers feedback. In this article the car insurance policy holders feedback has been focused to choose the best car insurance companies and after reading this post you can select which car insurance company should be the best.

According to the customers feedback and satisfaction GEICO auto insurance is the best auto insurance company that is cheap. GEICO has the most 95% customers satisfaction and having the lion share of the insurance market. Approximate 21 million car drivers choose GEICO and it is the top rated auto insurance company in USA. The main reason is to choose GEICO is that it has high quality customer service, immediate claims handling process, and easiest way to online transaction.

The great feature of GEICO is you new car drivers and old hand drivers both can save money if they insure their auto with GEICO. It offers lowest monthly premium charges and easy to work with. The car drivers who buy multiple policies can save up to $500 per month. It process the claims as soon as possible and inquires information quickly after accident.

Many policy holders complain about the customer service of GEICO that the phone service is extremely long wait time and no call back, but many customers also give good feedback about the customer services.
GEICO has many repair center and if the car drivers face any repair problem and they inform to GEICO, it will direct to the nearest repair location as soon as possible and fix the car.

The best auto insurance company is the one which has highest customers rating, great deal of discount, complete coverage, handle the claims without hassles, communicate with car drivers frequently, response to the policy holders quickly and offers the best car insurance policies that are cheap.

7 Tips For Better Insurance!

Purchasing flood insurance is not something you want to rush,” notes David Beavers of the Water Damage Team. “To properly protect your investments you should take the time to properly prepare before purchasing flood insurance, as rates limits and coverage alter drastically between insurance companies. To help you prepare for your search, please enjoy the following list of tips for finding the right flood insurance.”

1. Assess your Home’s Risk
A nation wide insurance company stated that one third of the flood claims they get come from homes not in a flood prone area. It’s important to consider your real risk for a flood of any kind, and how high if a risk it is. Depending on your homes propensity to flood, the policy you choose should adjust to it accordingly. You can go to the governments flood site, FloodSmart.com, to get a better idea of your homes risk for flooding as well as some estimates for price ranges you should be expecting.

2. Don’t Wait
It takes awhile to finalize the process of getting flood insurance, and if a flood occurs during that process it’s not likely that you will receive coverage. If you are considering this type of insurance, then make sure you plan to purchase it well before flood or even rain season. Unfortunately, the majority of homes in Louisiana had no flood insurance during hurricane Katrina, and government handouts only go so far.

3. Educate Yourself on Limits
Before signing anything, make sure you know your home well and they type of flood damage it could incur. Then carefully evaluate your flood insurance proposal and make sure you are fully covered for any and every area of concern. While some insurance companies have limits to the amount they’ll refund you for damages, some will cover your home and it’s possessions to the full extent. Do not be afraid to ask questions, express concerns, or criticize rates and limits. This is your home, life, and family you’re dealing with so it’s okay to be a little pushy to make sure you’re getting what you want when you pay for it.

4. Ask About Rate Increases
No one wants to think about their rates increasing in the future when they’re first taking on a new bill, but it is important to remember that your flood insurance rates could very likely rise and you will be expected to pay the difference. Luckily, now that you know this you can take a look at rate limits for each insurance company you consider, and factor them in.

5. Preparation is Key
The more knowledgeable and prepared you are when choosing flood insurance, the more likely you are to make the perfect choice for you. Before going in to question agents, make a list of things you’d like to ask and know. It’s easy to get flustered and forget important things when you’re talking to a smooth talking insurance agent who knows how to make a sale. Know what exactly you’d like protected from a potential flood (just the home, or all possessions or vehicles as well?) and what your budget is. Look online before going out to et a good idea for insurance rates for your area.

6. Ask Neighbors
Don’t be shy to ask neighbors and friends living nearby if they have flood insurance and which company they purchased it from. Make sure to ask multiple questions from overall satisfaction, to reliability and rates. The best reviews are from the customers themselves as opposed to the company trying to sell their stuff.

7. Do Not Rely on Handouts
Although it’s true people living in high-risk areas have the right to government aid in a natural disaster, they aid is very limited. Very limited. If you live in one of theses areas and thus think you don’t need insurance, know that you’ll receive some help but you may lose your home and possessions in the process, as the government is not likely to replace them.


The Water Damage Team is a nation wide disaster restoration company, with years of experience in water removal and water drying. As well as storm damage clean up, contaminated water removal, structural drying, debris removal and mold remediation.

They're Losing Their Fucking Minds Again (Gay Marriage at SCOTUS Edition):
So the Rude Pundit decided today that, in lieu of lamely predicting what will happen at the Supreme Court as it considers two cases that may decide the constitutionality of gay marriage, he would look up some of the ways in which the right wing is freaking the fuck out over the possibility that one of their last brutish but legal prejudices might be consigned to the shitpile of history. "How to search," the Rude Pundit wondered. If he had had a pencil, he would have placed its eraser lightly on his tongue and stared off in deep thought. But instead, since he doesn't live in the 1930, he realized that he could just google "homosexual marriage" instead of "gay marriage."

For, see, gay marriage opponents like to use the word "homosexual" because it denotes "sex." In other words, if you hear "gay," you'll just think about that sweet, nonthreatening couple on Modern Family. But if you hear "homosexual," you'll think about Cam just sucking Mitchell's dick before Mitchell pumps Cam's ass, Cam aching, begging for a reacharound, Mitchell naughtily teasing it before grabbing hold of Cam's cock and yanking away, thrusting, yanking, both of them coming to orgasm together...Sorry, what were we talking about? Oh, yeah, repressed homophobes who want you to think that gay relationships are only about fucking and not about loving and caring and raising children and making lives together and growing old and one partner dying before the other, all in a bond that is no different than the bonds that straight people can have.

Like, for instance, Erick "Erick" Erickson, late of CNN, recent of Fox "news," editor and writer of the blood-colored conservative and Christian, by God's grace, RedState blog. In his post today, "'Gay Marriage’ and Religious Freedom Are Not Compatible," Erickson makes the fundamentalist argument that individual rights to life, liberty, and the pursuit of happiness aren't allowed to impede on his belief that an invisible sky wizard says gays getting married is icky. After quoting Matthew 19:4-6 (where Jesus says something about marriage between men and women), he writes, "As long as there are still Christians who actually follow Christ and uphold his word, a vast amount of people around the world — never mind Islam — will never ever see gay marriage as anything other than a legal encroachment of God’s intent." The battle will now be, he says, to fight for religious exceptions to accepting gay marriage. For instance, "We will see private businesses shut down because they refuse to treat as legitimate that which perverts God’s own established plan," which is actually the way most businesses operate, but, still, it depends on what's being perverted.

We can suppose that Erickson agrees with Matthew 19:8, where Jesus offers, "I tell you that anyone who divorces his wife, except for sexual immorality, and marries another woman commits adultery." But does he go along with Matthew 19:21, where Jesus says, "If you want to be perfect, go, sell your possessions and give to the poor, and you will have treasure in heaven"? See, quoting the Bible is fun. Anyone can do it. That's why the law shouldn't give a fuck about your Bible or Koran or whatever Big Book of Mumbo-Jumbo you delude yourself into believing.

At least give Erickson points for honesty. Others try to hide their intolerance behind fake science. The Family Research Council (motto: "Man, we are fucked when all the old people who hate the queers die") tries to logic this out: "The greatest tragedy resulting from the legalization of homosexual marriage would not be its effect on adults, but its effect on children. For the first time in history, society would be placing its highest stamp of official government approval on the deliberate creation of permanently motherless or fatherless households for children." Umm, no one is going to take children away from opposite sex couples and hand them over to same-sex ones. Is the FRC seriously arguing that it would be better for orphaned or abandoned children to be raised by the state than by gay couples? Or are they just afraid of the competition? And if there are any differences in parenting by same-sex couples, then perhaps it's because groups like the Family Research Council are dedicated to making their lives miserable.

There are other approaches in defending what will hopefully (but probably not) prove to be the last gasps of state-approved bigotry. Gary Bauer, who is, in fact, still alive, writes about how, if the GOP embraces gay marriage, it will fuck up any chance of party unity. At the conservative toilet Townhall, editor Kevin Glass says that the cases will fail based on their legal merits (not for, you know, morality).

But kicking out the old school jams is Mario Diaz, the male legal counsel for the Concerned Women for America (motto: "Yes, I will make you a drink and get you your slippers"). Writing in the Washington Times, Diaz compares a potential decision broadly in favor of marriage equality as the same kind of court usurpation of the will of the people as Roe v. Wade: "[R]adical homosexual marriage supporters are asking the court to once again interject itself into the debate and cut it short. They want the nine justices to impose their will on the entire country by judicial fiat."

He goes on, "In the Defense of Marriage Act case, the court is also being asked to take the extraordinary step of invalidating the findings of our elected officials, who are accountable to 'we the people.'" You got that? The court shouldn't take the "extraordinary step of invalidating" a law passed by Congress. Hmm, how easy is this going to be? Oh, hey, why, Mario Diaz wrote about his support of the Citizens United decision, which, oh, hey, invalidated a law passed by Congress.

The CWFA gets extra points in this little parade of atrocities for its truly creepy ass ad "We Don't Need Another Roe," which is not about fish birth control, but about these cases. Check out this image out of your nighmares:

The ad, like Diaz's little scribble shit, blames the Supreme Court for "55 million dead babies." How many babies will die if gays are allowed to marry? It doesn't say. But it does ask us the scary question: "Should 9 people in black robes impose their views on marriage on the entire country?" And, except for the Constitution of the United States saying they can, it is a frightening thought.

Man, the next couple of days are gonna be filled with bugfuck insanity.

(Note: Yesterday on The Stephanie Miller Show, the Rude Pundit predicted that the Supreme Court would rule on only the narrowest grounds, like the standing of the defendants in the DOMA case, for instance. It looks like that's how it's gonna go.)

Best Auto Insurance Companies in 2013- How to Find

Finding the best auto insurance company is easy if auto drivers have the enough information about the available car insurance companies. Car drivers can keep peace in mind after having auto accident, auto theft and any car incident situations if they have selected the best rated auto insurance company.

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The Best Auto Insurance Companies

This article is about to find the best auto insurancecompanies in USA based on their service quality, responsiveness, reliability and affordability. Car drivers need to find best car insurance company because insuring with big car insurance will not give any benefit if car drivers don’t reach to them wherever and whenever they need. It’s the good idea to insure your car with top rated and well-known  car insurance company and get the car insurance policy with cheap price. After reading this post you can choose which auto insurance company is best and offer high value of services which you need.

The first step to find auto insurance company is to search on internet which is every car drivers know, but finding the best car insurance company among them is hard. If you request for auto insurance quotes, you can find only price side of the car insurance companies, but by comparing auto insurance quotes, you may not find the value of services provided by these companies. If you want to get the list of best auto insurance companies, just try internet once again by differently.

The second step is to collect information. The good news is in the era of technology you can get as much information from internet as you want to choose the top car insurance  companies. The first source is the feedback of auto policy holders. Read all the reviews from policy holders and see to which auto insurance company the users recommend. The second source is third party reviews like blog, forums and discussion board.

The third step is to check the financial strength of the car insurance companies because best auto insurance companies are not supposed to be in financial crisis. You can get report from third party organizations like Standard & Poor, Powers or A.D about the financial condition of your selected car insurance companies.

Following these three steps you summarize which is the best rated auto insurance company and which can serve you well.

Among the numerous car insurance the top three positions are acquired by GEICO, Progressive and Allstate auto insurance. These three giant auto insurance companies have achieved 50% of market share of auto insurance industry. There are other auto insurance companies which might be good for you and try to search about them if you have time.

With the best auto insurance companies you have the assurance of reliability which you may not find with cheap car insurance companies, but the price could be little bit higher in some cases. So insure your auto with best car insurance and you have the chance to save money.

The NRA Reaps Its Own Whirlwind in Facing Bloomberg:
Wayne LaPierre, the bespectacled goblin of gun "rights," appeared on Meet the Press with Bowl-Cut Grayhair yesterday. The face of the National Rifle Association since roughly 1901 (note: Yesterday's Sunday talk shows featured Gary Bauer, Ralph Reed, and Wayne LaPierre. It could have been the Sunday conservative line-up from 1988), LaPierre was on to respond to New York City Mayor Michael Bloomberg's pledge to "fuck the NRA's ass so hard that shit is driven out of its mouth." Or words to that effect. Bloomberg's a billionaire, you know, and he's spending hard to defeat members of Congress who don't support stronger gun control laws.

LaPierre huffed, "[H]e's going to find out this is a country of the people, by the people, and for the people. And he can't spend enough of his $27 billion to try to impose his will on the American public...We have people all over, millions of people, sending us $5, $10, $15, $20 checks saying, 'Stand up to this guy that says we can only have three bullets,' which is what he said." Of course, LaPierre doesn't mention the millions the NRA gets from gun manufacturers, and he doesn't have to, thanks to the Supreme Court and, well, hey, the NRA.

Yeah, see, other than making sure that every "sane" American has a right to buy enough guns and ammo to take down a small army (that doesn't have things like missiles and rocket launchers, which would pretty much make one's guns a minimal threat), the NRA's other big legislative effort is to take on anything that smells like campaign finance reform. Here's LaPierre back in 1998: "What's at stake is what type of political society we live under in the 21st century -- whether we live in a society where men and women can get together and express a point of view or whether we're going to turn over the keys to the national media conglomerates." See, "media conglomerates" means news organizations, which might report how much guns are fucking things up without having to kowtow to the well-financed savages of the NRA.

And McCain-Feingold was a poison to democracy, according to the NRA in 2001, because it would "silence all of the voices of all of the individuals who support virtually every cause during elections through organized 'issue advocacy.'" Like, perhaps, Michael Bloomberg?

But that would have taken some foresight. And the only foresight the NRA has is the strange ability to see a future where "jack-booted thugs" from the guv'mint will take away your Chinese-made AR-15 and not a future where people keep shooting each other and themselves because that's what guns do. So when the Citizens United decision opened the cash floodgates for groups and corporations, the NRA reacted with predictable self-fellatio: "[F]or now, we can savor a tremendous victory for our First Amendment rights, a victory for which much of the credit belongs to those loyal defenders of our Constitution—the members of the National Rifle Association of America."

The attempt to demonize Michael Bloomberg is going to be amazing and, more than likely, anti-Semitic, with a good dose of Northern liberal resentment mixed in, something that's gonna be kind of hard to pin on the guy who is responsible for the odious, racist "Stop and Frisk" program. The fun part is going to be the class warfare part, about how a billionaire is trying to buy an election against the will of all these little people. Now that'd be irony.

Perhaps what politicians who have suckled at that NRA teat like man-sized babies in David Vitter's most avid fantasies are going to learn is that they'll have to turn to Bloomberg's cash-engorged dugs and drink anew. How can the NRA, and, indeed, many on the right, oppose Bloomberg making it rain for his cause after their opposition to anything that smells like campaign finance reform? They'd look like hypocritical tools. But, you know, they're conservatives, so they won't care. And their followers won't even notice.

How To Get The Cheapest Auto Insurance Rates

How to get the cheapest auto insurance rates?
This is the first question comes to mind to the new car drivers, young car drivers or students drivers who have lower income. In this article I will discuss several techniques to find low cost and cheap auto insurance rates.

Auto insurance industry is in the cash cow that every year there are billions of dollars spin around the economy. High income people like business persons, entrepreneurs, lawyers and doctors can insure their auto or cars with high premium, but that not our concerns. Following these ways we my find which auto insurance company offer the cheapest auto insurance rates and to whom they prefer to be insured.

There are few things car drivers should clear. According to the law when you buy a new car, you have to purchase a liability insurance and liability insurance covers only damages occur because of accidents. Another types of auto insurance coverage is called comprehensive auto insurance policy which cover theft of car and repair if necessary. As you can see there are other auto insurance policies which have different coverage, to find the cheapest auto insurance among them, car drivers have to check carefully which policy covers what and which will be fulfill your requirements.

Which Auto Insurance Company Offers The Cheapest Auto Insurance Rates?
The answer is not direct because one can’t say easily which company provide cheap car insurance because all companies auto insurance policies are not same. Car insurance policies’ rates differ according to the policy. Every auto insurance company designs their insurance policy with various insurance features and coverage, so drivers may not find similar insurance policy in two companies. GEICO offers cheap auto insurance in some extent and Progressive auto insurance company also provides cheap and affordable car insurance coverage. How much money you can save from them? The exact figure also varies and the better thing is to visit to their website and get auto insurance quotes to estimate how much money can be saved and how cheap their rates can be. Cheap car insurance quotes varies from $50 to $70 based on the coverage and also few states have minimum limits of liability insurance, so check what’s the minimum liability policy limit in your state.

How To Get The Cheapest Auto Insurance Rates?
There are two way new drivers can get the cheapest auto insurance rates; specialized website and direct visiting to the auto insurance companies. There are few websites which have enormous database containing auto insurance information of many companies and when you fill up you documents and requirements, they will generate auto insurance quotes from different car insurance companies. From the quotes you can easily select the cheapest car insurance.

To find cheap auto insurance you may visit specialized auto insurance website. It’s little bit time consuming. But doing this you will find other extra features like additional services, reputation and customer feedback about their service quality. GEICO auto insurance is kind of specialized car insurance company where you can find cheap auto insurance as well as you can save a great of money.

Getting the cheap auto insurance rates doesn't mean actual worth cheap auto insurance rates because when you compare  auto insurance quotes online may find some auto insurance rates cheap but which will not cover all the requirements you need. So find the cheapest auto insurance rates online which has full coverage and you can be well protected.

Best 5 Auto Insurance Companies in USA

There are almost lots of auto insurance companies in USA, but among them there are best 5 auto insurance companies  in USA; GEICO, Progressive, Nationwide, Allstate and Infinity. These five companies cover approximate 70% market share of USA and still remain the top auto insurance companies for all kinds of USA drivers for their distinguishing characteristics. Those 5 auto insurance companies provide every coverage needed by the drivers and each of them offer cheap car insurance and they prepare insurance package for specific clients.

After reading this post you will get the idea about the top auto insurance companies and then you will need to know how to buy cheap car insurance.

GEICO Auto Insurance – The Best Auto Insurance Company in USA
Among the five auto insurance companies, GEICO auto insurance company is famous for its lifetime alliance with the US army and old hand group of people. GEICO offer huge facilities such as scholarships, assistance programs and donations to the retired from military and who are still in military. It also has special facilities such as cheap car insurance, low cost auto insurance and affordable car insurance for veterans and their families. The great feature of GEICO is it offers low cost car insurance that car drivers can save half of insurance premiums. They assist car drivers every 24/7 when and wherever the drivers have problems.

Progressive Auto Insurance – The Second Best Auto Insurance Companies
Progressive auto insurance is well-known for discount auto insurance because it offers a wide range of discount policies for home owners, multiple car insurance, students, mileage and online shoppers. Progressive auto insurance changes car insurance policy so that car drivers can get discount on their insurance policy easily. Another feature of Progressive auto insurance is that it can also save drivers money like drivers will save $50 immediately when they sign their first insurance documents online and has a provision for who have long term insurance. Discounts can be varied by state to state.

Nationwide Car Insurance
Nationwide offers a variety of insurance policies and claims 95% customer satisfaction. The distinguishing feature of Nationwide is that they have an auto repair network and if any driver wants to get normal life fast, they can repair their car from Nationwide repair network and can claim immediately after accidents. Nationwide also offers discounts for who purchase multiple policies, students and firms and has an excellent program of rewards to the safe drivers.

Allstate Auto Insurance
Allstate designs their insurance policies especially for teenagers and takes promise from the teen while providing low cost insurance policies. They motivate young and teen drivers by offering cheap car insurance and discount policy. They also reward teen drivers if drivers drive safe.

Infinity Auto Insurance
In Infinity car drivers can choose their own insurance agent which may reduce the stress that the same agent always collects information, communicates with you, and the best advantage is you will get your insurance agent as soon as possible when you need. Infinity also offers discounts to good drivers, students, and to any customers who pay in full.

These best five auto insurance companies are available in the US insurance market and try to serve their customers as best they can. You can get cheap and low cost car insurance from them and can compare cheap auto insurance online. They all offer car insurance quotes within few minutes.

How to : Save money on Car Insurance

Auto insurance is essential by all licensed people but many don't learn how to find the very best rates obtainable. Being complacent and purchasing insurance without thoroughly investigating your options or maintaining a similar car insurance for the remainder of your life could mean that you will be paying too much for your car or truck insurance. Comparability shopping, ensuring that you will be receiving each of the discounts you qualify for and keeping a clean record are just some of the dollars saving ideas that could save you a bundle on insurance.

Comparison buying car insurance, even when you finally are previously insured, cannot be underestimated. It is crucial that people investigate all your options ahead of choosing an insurance provider to ensure you are receiving the best possible rate on your car insurance. There are so many factors regarded in insurance policies including where you live, your record, your get older and the kind of car people drive only to name a number of. With these types of factors to contemplate, it is incredibly possible that might be that there is a car insurance provider who offer a considerably lower price than other providers.

Even once you've secured insurance for the car, it is wise to periodically check the actual rates of which other providers offer. Car insurance plus your circumstances usually are perpetually changing and you may find that this provider that is willing to present you the very best car insurance rate differs periodically. Many insurance providers present you with a host associated with discounts on their clients who qualify for these discount rates. These discount rates can connect with your record, safety highlights of your car, your get older or other factors.

These discounts may result in a tremendous benefits on your car insurance policy but while insurance companies offer these types of discounts, they don't always advertise them. This means that you will find to carry out research to determine what type of discounts you might qualify for. Carefully, review your car insurance policy to ascertain which discounts you are already receiving after which contact your car or truck insurance provider must other discounts that could be available. One example is if your record is without requiring accidents or perhaps tickets, you might qualify for the good motorist discount.

Likewise, if your car or truck has particular safety features including daytime working lights, you can even qualify for insurance discounts. Your real age can likewise qualify you without a doubt car insurance discounts. Some insurers also offer you discounts to those who insure their house with a similar company while they insure their car. Enjoying this form of discount could save you money in both your car or truck and household insurance. Knowing the discounts that you can get and ensuring that you will be receiving these types of discounts, can save a lot of money on your car insurance.

Finally, maintaining some sort of clean record is critical to receiving the very best available insurance rate. As it is true that every car insurance provider is unique inside factors that bring about lower prices, the 1 factor which is consistent amongst all companies of insurance is a clean record is critical in your rate. Although accidents are often unavoidable, it is actually imperative you adhere to all or any traffic regulations knowning that you get safely continually. This will certainly reduce how many traffic violations you incur as well as the number associated with accidents you cause. Following the following pointers will assist you to maintain some sort of clean record that could keep the money necessary for your insurance low.

Many people lament having to pay their monthly insurance bill because they feel that the insurance isn't necessary. Although insurance is some sort of financial impediment that appears superfluous, it does settle if you are ever in a serious car accident that possesses significant personal ramifications. For this reason, you must not consider allowing your car or truck insurance in order to lapse and it's recommended you search diligently to get the best obtainable rate on your car insurance.

best life insurance policy to buy

best life insurance policy to buy : Choosing the best life insurance for your situation can be daunting.  With so much conflicting information, this article will go over the differences so that you will be better informed and can choose the right policy.

Many people avoid investing in life insurance simply because they imagine the costs as being too high for their budgets. Fortunately, there are a wide variety of insurance policies available for every set of needs and budgets. A lot of companies will give you an instant term life insurance quote on their website for free. Insurance providers provide death benefit payouts ranging from as little as a few thousand dollars all the way up to a few million. Most providers offer more affordable term life insurance policies—term policies have low premiums and payout death benefits for the duration of a specific period.

If cheap life insurance with low premiums isn’t a priority, the majority of life insurance providers feature coverage plans that accumulate cash value over the life of the policy. With global, universal and whole insurance it is possible to configure lucrative benefits packages that payout death benefits and can be cashed out or borrowed against like equity.

What to Look for in a Life Insurance Policy

Policy Benefits
All insurance policies are different. We evaluated insurance providers largely on the variety and flexibility of the life insurance policies they offer. From five year term life insurance to variable universal policies, our leading picks for life insurance providers provide comprehensive coverage for every set of needs.

Pricing and Premiums
Premium payments are going to be different with different providers depending on risk factors such as your health, lifestyle, age and occupation. In general, insurance providers receiving a high score on our site gave more lucrative term life insurance rates than competitors regardless of age or lifestyle.

Additional Services
Life insurance is a must, but there are many other services we expect to see available in addition to, or as an alternative to, life insurance. Annuities, retirement planning, estate planning, mutual funds and plans tailored for small business are services we expect from the best providers.

Customer Support
Red tape and poor customer service are the last things a grieving family member wants to deal with. Our top picks for life insurance provider boast excellent customer service, approach claims in a timely and professional manner and go out of their way to meet customer expectations.

The Best Life Insurance Policies ?

Term Life Insurance
Term life insurance is typically the best policy for most Americans since it allows you to have the most amount of coverage for the lowest price.  Some of the most outspoken advocates for term life are the popular financial advisors you see on TV; Susie Orman, Dave Rasmey and Clark Howard.  The strategy with term life insurance is to buy term and invest the rest yourself.  Most people have their major obligations for a certain period of time 10-30 years.  After a certain period of time, usually the mortgage is paid down or paid off, the children are grown and your future income won’t need to be protected in the same capacity as it does today.  Term life insurance will be the best solution if this describes your situation.

Term life insurance lasts for a designated period of time.  The term period for most companies range from 10, 15, 20, and 30 years and the rates do not change during this time.  Also, there is no penalty for cancelling the policy early.

Whole Life-Universal Life
Whole life insurance is a policy that remains in effect for the policy holder’s entire life. Generally speaking, the policy will remain active as long as the owner continues to pay the policy premiums.  Due to the cost, this type of policy is more optimal for estate planning and for other instances where permanent coverage is needed.

No-Exam Life Insurance
Life insurance that does not require a health exam is going to cost you a lot more than if you did the exam.  This type of policy is ideal for someone who doesn’t have the time to do the medical exam and doesn’t mind paying the extra premiums.  These clients typically need a policy in a hurry to cover a divorcee decree or they may be worried about doing the physical.  Also, do not mistake no-exam life insurance for no-underwriting.  The underwriting on a no-exam policy is very strict and not as favorable as if you did the health exam.

Accidental Death
Accidental death policies only pay out the death benefit you if you die as result of an accident. Typical classifications of accidents include but are not limited to: auto accidents, poisonings, falls, fires and chocking. Deaths from natural causes such as heart disease, cancer and old age are not covered under an accidental death policy.  This type of policy is good if you are traveling, have a dangerous occupation, and have medical problems that will exclude you from getting traditional life insurance.  It’s typically cheaper than term life since the policy only covers accidental deaths.

Wrap Up
Since life insurance is going to be one of the most important financial purchases you ever make to protect your loved ones, choosing the right policy is paramount.  Don’t let an overzealous agent talk you into buying a policy that you don’t need just so he can receive a larger commission.  Work with an experienced agent that will have you and your family’s best interest at heart.

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small businesses will no longer pay national insurance contributions 2014

UK small business insurance - small businesses will no longer pay national insurance contributions 2014 : Up to 450,000 small businesses will no longer pay national insurance contributions from next year, the chancellor claimed on Wednesday in what he described as "the largest tax cut in the budget".

But even as George Osborne set out measures intended to boost cash-strapped small businesses, he faced criticism for not holding off on planned increase in business rates.

He introduced an employment allowance which removes the first £2,000 off the employers' national insurance contributions, which he said was taking a "tax off jobs".

The allowance will cost almost £6bn over five years, and means that a third of all employers in the country are paying "no jobs tax at all", said the chancellor.

"For the person who's set up their own business, and is thinking about taking on their first employee – a huge barrier will be removed. They can hire someone on £22,000, or four people on the minimum wage, and pay no jobs tax," he said.

But the tax change is not expected to come into effect until next year, and the cut to corporation tax for big business to 20% by 2015 brings the rate into line with the one small business are charged for the first time since 1973.

Roy Maugham, tax partner, at accountants UHY Hacker Young, warned that the unification of the corporation tax rate could have implications for small businesses. "The concern is that small businesses will be tripped up by what is not explicit in the budget. Currently, companies on the main rate will pay corporation tax in quarterly instalments, while smaller companies will pay once a year. Unifying the rates implies that small companies will now be expected to pay corporation tax every quarter," Maugham said.

While the Forum of Private Business welcomed the change, the lobby group's head of policy Alex Jackman said: "Our only disappointment with this is that it's 12 months away, and that's a mighty long way off".

Jackman had hoped for a reduction in business rates – which will have risen 13% in three years after April's planned 2.6% rise. Retailers reckon this could cost £175m a year.

"Ask any small businesses what they wanted to see from this budget and many will have said: 'action on business rates'," added Jackman.

The British Retail Consortium, which represents high-street stores, had also hoped for action on business rates: "Pressing on with a third-successive substantial business rates rise is very disappointing. Freezing rates would have made a real difference to our troubled high streets and the communities that rely on them."

With lending to small businesses down 25% in real terms since its peak in 2009, and almost 10% lower than in 2006, small businesses were also eager for information about the business bank that has been advocated by the business secretary, Vince Cable.

More details are due to be unveiled on Thursday when it is expected that the government will concede that the state-backed bank will not become a fully-functioning entity until autumn 2014 while it waits for state aid approval from Europe.

Until then, it will operate from Cable's department for schemes that do not need state aid approval and is likely to reiterate that no additional funding on top of the £1bn allocated to the business bank will be made. But details of how the funding will be allocated is expected to include £75m of venture capital and £25m to extend the existing enterprise capital fund programme.

Cable, who has also been pressing for changes to the existing funding for lending scheme intended to reduce the cost of borrowing for small businesses, regards the business bank as the central plank of his industrial strategy.

Little detail was provided about how the funding for lending scheme, operated by the Bank of England, might be tweaked to have more of an impact on encouraging lending to small businesses.

Osborne also pressed ahead with his plan to create a John Lewis-style employee share ownership by allowing workers to surrender employment rights in return for shares worth up to £50,000 in their companies. Even as the plan was defeated in the House of Lords by 232 votes to 178, Osborne indicated that he did not want to abandon a proposal despite warnings that the move could lead to tax avoidance.

He plans to introduce an additional incentive to enable employers to hand over £2,000 of shares exempt from income tax and national insurance contributions.

This incentive will cost the public purse £200m over the next five years.

Janet Williamson of the TUC said, "£200m spent on bribing hard working families to give up their hard won employment rights."

Osborne also promised capital gains tax relief for owners of businesses although some tax experts were concerned about the impact that a change in the inheritance tax regime would have on small business owners. David Kilshaw, tax partner at KPMG, said that businesses were normally exempt from inheritance tax but the owners' homes – often used as security for business loans – were subject to inheritance tax. In the past, owners with such borrowings were able to use their debt to avoid inheritance tax bill but that will no longer be the case.

"This is a nasty shock for business owners. They will now have to budget for unexpected inheritance tax bills and they may be faced with a horrible choice – do their heirs sell the family home or does the business pay the tax?" said Kilshaw.

The chancellor said he wanted to "increase five fold" the value of government procurement contracts available to small businesses. ( source http://www.guardian.co.uk/ )

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