Engagement Rings: Insurance Pros & Cons »
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
If you want to avoid entering the hosting hell dimension, here are 10 potential entertaining glitches, and how to avoid them.
As in a court case, the process of mediation provides a method of conflict resolution. However, it is much more informal and does …
We would highly recommend Dallas immigration lawyer Martin Valko of Chavez & Valko to anyone wishing to make their immigration process go more smoothly. When each of us first met Martin Valko both of us felt very comfortable and confident. Mr. Valko was extremely courteous and helpful and displayed exceptional knowledge in the field of immigration law. Mr. Valko assisted my wife and me with her I-485 permanent residence case. He communicated with clarity and all of our concerns, however minor, were promptly addressed either by him or his assistant. He provided us with personal support at a time when it was most needed just days before our scheduled interview with the immigration official. It took us a less than a year of filing the paperwork that my wife was granted a residency card. We cannot explain in words how happy we have been since we obtained my wife’s permanent residency card. Once again on behalf of both of us thank you for the quick, steadfast, honest, and hard work put into our case resulting in success. With warm regards and God Bless. Para todo aquel que desee realizar su proceso de inmigración sin problemas recomendamos ampliamente al abogado de inmigración en Dallas Martin Valko, de la oficina Chavez & Valko. Cuando mi esposa y yo conocimos a Martin Valko ambos nos sentimos a gusto y con absoluta confianza. El Sr.Valko no solo fue muy cortes y servicial, sino que demostró un conocimiento excepcional en el ámbito legal de inmigración. Fuimos asesorados y asistidos con relación a la residencia permanente para mi esposa (I-485), proceso para el cual el Sr. Valko siempre se comunicó con claridad; todas nuestras dudas y preocupaciones, por muy pequeñas que parecieran, fueron aclaradas y solucionadas por el o por su asistente de manera rápida. Así mismo, nos proporcionó apoyo personal justo cuando mas lo necesitábamos, especialmente al prepararnos y acompañarnos a la entrevista programada con el oficial de inmigración. Para nuestra total satisfacción, el proceso para la obtención de la tarjeta de residencia nos tomó menos de un año. No se puede explicar con palabras lo feliz que nos sentimos desde que mi esposa obtuvo su tarjeta de residente permanente. Una vez más deseamos agradecer la rapidez, firmeza, honestidad, y gran esfuerzo puesto en nuestro caso cuyo resultado no podía ser menos que exitoso. Con cordiales saludos y que Dios los bendiga. Blas y Mirna, Dallas, TX (Ajuste de estado o Estado legal)
"Our L visa case history: After a very bad experience with our previous New York-based immigration attorney, we started looking for another one with experience in the immigration sector. We scheduled a meeting with Dallas immigration lawyer Mr. Martin Valko of Chavez & Valko, and asked him what he thought about our case. In April 2008 we received our L- 1A Visa (L2 for the family) to establish a new office of our German Software Company in the US. Unfortunately we were not able to leave Germany before October 2008. In December 2008 we asked our prior attorney to apply for the extension of the Visa. He filed the application for the extension of the L1-A Visa in April 2009 (5 months later). Instead of answering the INS request for evidence (RFE), he tried to change the Visa application from L1-A into a L1-B. The US immigration denied the petition because we were not able to change the status for a filed petition. To do so, we would have had to file a new one. However, not worst enough, he told us not to leave the US and to stay during he was filing a petition for a B1 Visa to gain additional time to prepare a new L1-A application. Mr. Martin Valko took on our case. He told us that it will be difficult but he would try to rescue the case, thoroughly explained the case to us after his analysis of the immigration laws and regulations, and promised us to do the best. After he had all our paperwork, he and his legal team needed only a few days to prepare the new L1-A petition (L-2 for the family). We used the premium processing service of the USCIS, and we had our approval after less than one week!!! We then scheduled a visa appointment at the US Consulate in Berlin, Germany the following week, and our new L-1A and L-2 visas have been granted for a full one year! When searching for a good immigration attorney, you will find thousands of attorneys and all of them promise to be the best and to do the best work. After all this experience we can tell, that there are only a few really good immigration attorney out there and it is hard to find them. We found one of them and are proud of this work, and we can't thank him enough. Mr. Martin Valko knows what he is talking about! He has a lot of experience in immigration law and his rates are absolutely fair. For all of those people in need of an immigration attorney, we recommend the law firm of Chavez & Valko in Dallas, TX." - Provox Systems, Dallas, TX
Because I reside in Houston, Texas communication for my case for a resident visa and an I-601 Waiver petition for my husband was conducted via e-mail, phone and mail however this did not cause any issues whatsoever. The entire staff treated me with professionalism, respect, care and concern the entire time. My husband reunited with us most recently after being separated for 2 years and 8 months. The firm’s paralegals were top notch and very compassionate and caring. At one point I received a personal call from Mr. Valko who offered to do part of the work without any additional fee! Chavez & Valko shows care and concern for their clients and clearly proved to me that it wasn’t all about the money. There was a time when I discussed with them that we were getting so discouraged that it might be best that my husband re-enter the US illegally. Mr. Valko sympathized with us but advised that if he entered illegally and got caught he would be barred for 10 years, he advised against him entering that way. Although it was a very exhausting and painful struggle at the end the I-601 waiver was approved and my husband is now a US legal Resident. Spanish: Yo vivo en Houston, Texas por lo cual toda mi comunicacion para solicitar una visa de residente y Waiver I-601 para mi esposo fue conducida por e-mail, telefono y correo. Aunque asi fue no tengo ninguna queja ya que todo el personal del bufete me atendio con profesionalismo, respeto y sumo cuidado. Despues de estar separados como familia por 2 anos y 8 meses mi esposo se pudo reunir con nosotros recientemente. Tuve el honor de tener ayuda de dos asistentes expertos del abogado Martin Valko. En una ocasion cuando me encontraba emocionalmente y monetariamente agotada recibi una llamada personalmente del Abogado Martin para ofrecerme sus servicios sin costo!En ese momento me dicuenta que el bufete Chavez & Valko tiene sincero interes en sus clientes y no solo en ganar dinero. Hubo una vez en la que ya nos sentiamos muy desanimados y habiamos decidido que era mejor que mi esposo se regresara ilegalmente para reunirse con nosotros. Al comunicarle esto al Abogado Martin se compadecio de nosotros pero aconsejo que no lo hiciera. El no estaba de acuerdo en que regresara de esa forma nos dijo que si lo llegaran a agarrar cruzando ilegalmente lo castigarian 10 anos. l final aprobaron el Waiver I-601 y ahora mi esposo es Residente legal de los Estados Unidos
“We are very grateful to immigration law firm of Chavez & Valko, LLP and for Martin Valko’s solid and persistent effort and representation on our behalf over the last couple of years in correcting my wife’s immigration status with the United States Citizenship and Immigration Services. We genuinely thought that our case was too daunting a challenge and insurmountable when looking ahead to navigating the important, yet intimidating, Immigration and Naturalization process present here in the United States . When we consulted with Mr. Valko in the beginning, we presented him with an 8-year old Legacy case from a different jurisdiction with plentiful uncertainty. He analyzed my wife’s immigration status and her situation after she was ordered deported in absentia, and without any guarantee of success of outcome, he agreed to take on the challenge of bringing our case up to current and lawful status. During the two-year progression and through the entire legal process - reopening the previous removal proceeding, transferring venue, securing a joint motion to terminate removal proceedings, and adjusting my wife’s status with the USCIS – Mr. Valko remained positive and confident in his abilities to navigate us through the challenges. He continuously encouraged us to remain positive and strong, even through the most difficult challenges, and he proved time and time again that his advice was truthful and correct. We have come to know and admire his truthfulness, sincerity, understanding and compassion. He is exceptional at who he is personally and at what he does professionally. We appreciate the Firm’s professional knowledge and skills greatly, and we definitely extend a strong recommendation of their services to anyone seeking professional legal immigration assistance,” - Jeffery and Natalia C., Dallas
We are extremely thankful to immigration attorney Mr. Martin Valko and his paralegal Cielo Pineda of Chavez & Valko LLP for their professionalism, knowledge, care and dedication in my husband’s immigration process to obtain his permanent residency. Before hiring Chavez & Valko Immigration Law Firm, we had hired another local law firm that was not knowledgeable with the I-601 Waiver process which caused us loss of money, time, suffering, a separation of 21 months. Our first waiver prepared by the other lawyer was then denied. We are so grateful that we hired Mr. Valko and his firm to handle my husband’s new waiver and to obtain his residency with an excellent I-601 waiver packet. Thank you for reuniting my husband and me after this long process! Dallas, TX (Approval of I-601 Waiver of Inadmissibility in Cd. Juarez, Mexico) Estamos extremadamente agradecidos con el abogado de inmigración, Sr. Martin Valko y su ayudante legal Cielo Pineda de Chávez & Valko LLP por su profesionalidad, conocimiento, cariño y dedicación en el proceso de inmigración de mi marido para obtener su residencia permanente. Antes de contratar a los Abogados de Inmigración Chávez & Valko, habíamos contratado a otra firma local de abogados que no estaban bien informado con el proceso del I-601 Waiver; el cual nos causó la pérdida de dinero, tiempo, sufrimiento, y una separación de 21 meses. Nuestro primer waiver preparado por el otro abogado fue negado. Estamos muy agradecidos de haber contratado al Sr. Valko y su empresa para que hiciera un nuevo waiver para mi marido y así obtuvimos su residencia por medio de un excelente paquete de I-601 waiver. Gracias por reunir a mi marido y a mí después de este largo proceso! Dallas, TX (Aprobado I-601 Waiver of Inadmissibility en Ciudad Juárez, México)
We are infinitely thankful as a family to immigration attorney Mr. Martin Valko and his staff of Chavez & Valko LLP for their professionalism, knowledge, hard work and dedication in obtaining an 0-1/0-3 Visa for our family. Before hiring Mr Valko, we hired another local law firm which cost us unecessary time, money, suffering, and overall a lack of faith in the immigration legal system. After one meeting with Mr.Valko - our faith, hope and confidence was completely renewed. He is the ultimate professional and a true diamond/expert in his field. As well has having a very robust process in place to guide us through our application, Mr Valko kept the communication lines open through the entire process, managing our expectations, updating us on his progress and reassuring us along the way. This was tempered with quick responses to our emails/calls and lots of care and compassion from both him and his team - on many occasions he took calls after hours and weekends, proving to us that it is not all about the money with this firm - he has a genuine interest in his clients and will work relentlessy to achieve a positive result. Our own case provided quite a steep challenge for Mr. Valko, based on the Visa category that we were applying for - Mr Valko worked tirelessly and innovatively on our case and what could have taken up to 15 days to approve - came through in 3 days! Mr Valko called us personally after hours to give us the news!! If you have an Immigration requirement - this is the firm you need to contact - we don't know where you will find a customer experience on the same level that Mr. Valko provides. It has been an incredible journey and a truly life changing experience for our family. Thank you Mr.Valko for saving our family - a truly World Class performance!. Paul McCrum
This is crazy! I don't doubt that the other attorneys are good, I'm sure they are but I'm gonna talk about Gary Frost. Gary Frost is amazing. I called the law firm in tears and he made me see that I was over stressing about something that was not even a problem at all. My abusive ex boyfriend (who is like totally trashy and lame) filed a k-1 petition and talked me into signing it during the time that I was on zoloft and xanax (due to the stress in the relationship), which I did (love makes people act stupid) Later on, when I realized he cheated on me, I cancelled it. My main concern was knowing that this would cause trouble later on (like for example when I go to the states on vacation because me and my family have been going there since I was like two). I was stressed and I appreciate his kind words (which meant so much to me) as well as his legal advice. He broke with all the stereotypes of the mean and cold attorneys. Now in spanish!!! No se que tal sean los otros abogados pero yo voy a hablar de Gary Frost. Llame a las oficinas asi como que llorando y me hizo ver que estaba asi como que preocupandome por algo que nada que ver!! El naco de mi ex novio dio de alta una peticion k-1, y me convencio de iniciar todo el rollo. Y cuando me di cuenta que el muy loser me engaño pues obvio que la quise cancelar, osea nadie va andar con alguien que lo trate mal (y encima hablaba mal de los mexicanos a veces solo por ser el norteamericano, osea, que le pasaba?) Mi preocupacion principal era saber que estoy me pudiera afectar en un futuro, y el me hizo saber que no tenia porque preocuparme, de una manera bastante amigable. Aprecio mucho su asesoria legal, pero aun mas sus palabras de aliento cuando yo estaba toda nerviosa y desesperada y necesitaba escuchar que todo iba a estar bien.
We are extremely grateful that we made the decision to hire your office Chavez& Valko. When dealing with immigration you cannot afford to make a mistake and hire someone that is not knowledgeable in the area, we am so glad that we did not make that mistake. Living in Florida we could not find an attorney that was knowledgeable in the expertise of 601 Waivers thru a friend we were referred to your office. Not residing in Dallas never had an impact on our communication and everything worked out smoothly. From the beginning to the end they have been very professional from the main attorney to the paralegal handling our case to the receptionist . My husband "601 Waiver" was approved at Ciudad Juarez and we could not be anymore happier than we are. Thank you for reuniting our family. Keep up the good work! Many thanks from the Lopez family. Estamos muy agradecidos de haber tomado la decision de contratar a su oficina de Chavez y Valko. Cuando se trata de lo de inmigracion no puede permitirse el lujo de cometer un error y contratar a alguien que no conozca el area, estoy muy contento de que no cometimos ese error. Vivir en la Florida no podimos encontrar un abogado que era conocedor de la experiencia de 601 Perdones, a traves de un amigo se nos remitio a su oficina. El no residir en Dallas no tuvo un impacto en nuestra comunicacion y todo salio bien. Desde el principio a fin, ha sido muy profesional del abogado principal de la manipulacion de paralegal nuestro caso a la recepcionista. El "601 Perdon" de mi marido fue aprobado en Ciudad Juarez y no podriamos estar mos felices. Gracias por la reunificacion de nuestra familia. Keep up the good work! Muchas gracias departe de la familia Lopez.
We did it! My wife is coming to America! No words can ever convey my heartfelt thanks to Chavez and Valko’s ~ Martin Valko and Eduardo Amaro. My heart is full of joy as I write the following… The law firm of Chavez and Valko was referred to me by an acquaintance and I met with Martin Valko immediately upon returning from my wedding in Zhengzhou China and I liked him very much. The road to a successful migration can be a perilous one. Never dreaming our case would require almost five years and three Visa Interviews to complete. The US Department of State made several errors that no one could have foreseen. The US Consulate in Guangzhou sent our case back (2) times and Chavez and Valko reaffirmed it and then finally on the third try the Consulate Visa Officers realized ours was a bona fide marriage. I know this placed additional burden and countless man-hours on Chavez and Valko. I was concerned when our first Visa interview was not successful in March 2010 and I was concerned the Law Firm would drop us as clients. I met with Mr. Valko and he put all my worries to rest. They are true to their word and a Law Firm of the highest honor. Mr. Valko and Mr. Amaro our paralegal never once wavered and I can’t imagine anyone, anywhere, at anytime fighting any harder for our case all these years. They paid the closest of attention to slightest of details. When we gave up they kept fighting for us. Chavez and Valko’s Law Firm has grown in size since over the last five years but those assigned to our case in the beginning…remained on our case until the very end. May God bless the Law Firm of Chavez and Valko and their staff members. !!
We would like to thank Mr. Valko and his paralegal, Jessica for their help and hard work. My husband is from Mexico and has been here since he was eight years old. Originally, we contacted Mr. Valko's office to help my husband get a visa. In the meantime, the new Deferred Action came out and Mr. Valko suggested that we go this route since it appeared that my husband met the criteria. Immigration received my husband's application for Deferred Action in September 2012, he went to his biometrics appointment in mid-October 2012, received an approval notification in mid-November 2012 and three days letter received his work permit in the mail. Now, he has his Social Security card and driver license. No more worries that my husband will go to work one day and not return home because he was picked up by immigration. Again, we are so thankful and appreciative for the great work Mr. Valko and Jessica have done for us. They always return your call or email very quickly and you don't always get that kind of service from attorney's offices. Mr. Valko exuded confidence in our case and his expertise and that in turn eased our minds a great deal. We felt like we were treated as human beings by people who cared about our situation. There is still more to do and we will stay with Mr. Valko because we can trust him. If he can help you, then he will. If he cannot help you, he will be honest and tell you so. If you have any immigration issues, this is the office to go to. We have recommended Mr. Valko to other family, our friends and strangers that we have heard are in need of immigration assistance. Vanessa & Felipe Rosas
To mitigate the risk of loss, people purchase insurance policies from a company. When buying a policy, the person agrees to pay a premium, which is small, regular payment based on the losses that may occur. If the insurance provider determines there is a greater chance of risk as compared to the average policy, the premium is usually higher. Premiums are often paid monthly, and can add up over time up to be greater than the expense of replacing the insured item.
Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.
Selecting the right insurance involves careful research and evaluating many different options for coverage. This is why many people use an insurance agent to assist with making the right choice depending on their needs and financial situation. Agents often interview potential or current clients to get an idea of which insurance policies would benefit them the most. Based on their needs and individual risk, agents can often give potential customers a quote, which serves as a cost estimate for a specific policy. This is only a rough idea of what the policy will cost, because evaluating the risk associated with a given customer can take time. Insurance companies often compile an insurance score to quantify the risk an individual poses and calculate premiums accordingly. Credit scores play a major role in insurance scores, but past insurance-claim history is also taken into account.
While agents often specialize in a particular category of insurance, some sell several different types of insurance. Agents can work for a larger insurance company or operate independently, selling policies from several different insurers.
Almost anything of value can be insured to protect against loss due to a variety of circumstances. Insurance policies are very specific in the items they protect and in what event the policy holders will be reimbursed. Some of the most common insurance policies cover things we all use.
Millions of Americans drive a car to get from place to place each day, so it makes sense that auto insurance is one of the most commonly used types. In most states, the law requires drivers to maintain an active insurance policy on any car, up to a certain amount. Most car owners are required at minimum to purchase liability insurance, which protects against damage for which the policyholder is at fault. Liability insurance covers damage to property as well as any injuries sustained in an accident. It's important to note liability insurance only covers damage or injuries of others, not the policyholder themselves. In addition to liability insurance, car owners can also purchase coverage for their own vehicle and medical expenses in the event of an accident. For this purpose, liability, vehicle and medical coverage are often packaged together in a single policy.
Insurance can also be purchased for other vehicles, like motorcycles, ATVs, boats or RVs, and generally functions similarly to car insurance. Policies for alternative vehicles may have higher premiums if they are considered more dangerous, or might include other coverage options specific to the vehicle. Many companies that provide auto insurance will also offer coverage for motorcycles, ATVs, boats and RVs.
Your home, condo or apartment is probably the most valuable thing you own or otherwise pay for, so it makes sense to get it insured. Homeowners insurance is important not just for the security of the house itself, but for its ability to cover possessions inside the home as well. Many mortgage lenders also require an active home insurance policy.
Like auto insurance, homeowners insurance is typically bundled together with policies covering many different items or categories of items. The primary coverage type is for the dwelling, insuring the house itself and all structures attached to it. Policies may also cover property within the home, with premiums varying depending on the value of all assets. Personal liability may also be included for damage or injuries sustained on your property that you are responsible for, much like auto insurance.
Property insurance also may cover certain major events outside of your control. These are known as perils, and may include fire, flooding, natural disasters and other catastrophic events. You may want to purchase insurance against one or more of these perils if you live in a high-risk area. Flood insurance is an exception, however, and can be purchased through the government-sponsored National Flood Insurance Program. Your lender may require this if you live in a flood-prone area.
To help pay for medical expenses, many people rely on their health insurance. With the passing of the Affordable Care Act, almost every American is required to enroll in a health care plan, or they face a penalty. Health insurance works similarly to other forms of insurance, although it is probably used to cover expenses more often, since car accidents and home damage are relatively rare compared to doctor visits and the need for medicine. Health insurance also operates on a premium-deductible model, and policyholders can choose what level of coverage works best for their lifestyle. For example, if you visit doctors very infrequently, you may consider a plan with a low premium and a higher deductible. On the other hand, people who require regular medical care may wish to pay a higher premium in exchange for more coverage from their deductible. Dental and vision care are sold as separate plans and are not required by law.
When someone dies unexpectedly or is injured severely enough to be unable to work, it can be a financial disaster for their family or loved ones. Many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost. Life insurance comes in two basic types: term and universal. With a term life insurance plan, you pay a premium for a predetermined amount of time, usually 10 years or more. If you die at any point in that timeframe, your family receives a death benefit. If you're still around when the term is over, the coverage is canceled and you receive nothing. Universal life covers your entire life, and usually delivers a minimum benefit at death.
Travel insurance is available for individuals who want to protect against unexpected setbacks in the course of travel, whether it's losing luggage or medical treatment abroad. Travel insurance may prove particularly useful for people who travel a lot for work or often visit remote locations. Travel insurance can take the form of either specific or blanket coverage. Specific coverage is useful for covering only certain risks, like medical emergencies or unexpected trip cancelation. Blanket coverage may cover some or all of your expenses for your entire trip.
Pet insurance is a relatively new product that may help cover the costs of medical care for a dog, cat or other domestic animal. Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication. While virtually unheard of a few years ago, pet insurance has become more popular as the cost of veterinarian care has continued to rise.
Umbrella insurance is extra coverage from liability for other insurance policies, usually home or auto insurance. Consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover. For example, most car insurance liability policies cover at least $25,000 per person or $50,000 per accident. But if the accident involves a very valuable car, or the victim is willing to pursue legal action, insurance may not even begin to cover the full cost. You may want to hedge your risk by purchasing umbrella insurance to add extra protection to your existing policy.
To receive a payout for an insurance policy, the policyholder must file a claim with the insurance company. The basics of the process are straightforward, but can vary depending on the type of insurance.
Claims Adjusters and Examiners
A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided. An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies. Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.
How To Make a Claim
Filing an insurance claim can be stressful and confusing, but you need to begin the process as soon as possible to make certain you can recover your losses. It's important to note that in the case of emergencies, you should always call 911 first. The safety and health of yourself and others takes precedent over insurance.
Auto Insurance Claim: If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes at the scene. The most important things to record are what happened before the accident, the date and time, traffic signs in the area and road conditions. Also be sure to get the other driver's name, address, license plate number and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.
Homeowners Insurance Claim: In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
Life Insurance Claim: Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.
Insurance is a wise investment, but it can make a dent in your monthly budget. Thankfully, there are a variety of ways to trim the fat off your premiums and make certain you are paying only as much as you need.
Shop and Compare
Perhaps the best way to save on any insurance policy is to take the time to compare prices between as many companies and plans as possible. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easier than ever before. Potential customers can often get free quotes online very quickly.
Buy Only What You Need
Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash. It can help to create a budget and know exactly how much income you have to work with before making a decision on a new policy.
Take Advantage of Discounts
Insurance providers offer a wide variety of discounts for all kinds of special customers or circumstances. In one of the most basic discounts, many companies will offer lower rates for customers who purchase home, auto and life insurance policies from the same provider. Car owners may get a rebate from taking a safe driving course. For those with teenagers on their plan, good grades can earn a small discount as well. Insuring multiple cars with the same provider may also lower premiums. Some providers will offer lower rates for military personnel, federal employees, teachers, first responders and their families.