Your ultimate insurance guide


Three Types Of Insurance You Do Not Need

Insurance is generally something that youThere are a couple of exceptions to note. If
purchase in order to protect you and yourthe car rental is for business use, check to
family from the potential financial losssee if your employer's business policy covers
caused by a catastrophic event or seriousyou. And if you will be driving outside of
illness.the US, your agent can tell you if you will
require  special  coverage.
But there are types of insurance that don't
really provide that peace of mind for you,Unreasonably  Low  Deductibles
that are not required, that cost more than
you could ever benefit from, and that areWhile this is not technically a "type" of
best  avoided.insurance, it is an insurance expense that
you can do without. A lot of people carry
Here are 3 types of insurance that you canlower deductibles because of the peace of
"just  say  NO"  to.mind it gives them. But how many times do you
really need this lower deductible? And
Life  Insurance Sold By Credit Card Companiesnowadays, while you may be required to carry
insurance, it is often detrimental if you
Credit card companies will offer youactually  use  it!
insurance that pays off your credit card
balances when you die. If you already have aSo if filing a claim will jeopardize your
life insurance policy, either obtained oninsurance coverage, you may want to only file
your own or through your employer, that willa claim that you really can't handle. It
do the same thing. Why pay the credit cardmakes much more sense to raise your
companies a much higher premium for the samedeductible and "self-insure" for the smaller
thing?claims, using the savings from your lower
premiums.
Rental  Car  Insurance
If you decide to increase your deductibles,
When you rent a car, they always ask you ifbe sure to put your saved premium dollars
you want auto insurance which will cover youinto a savings account so that you can pay
if you are in an accident in the rental car.for those losses that fall below your
If you have your own auto insurance, you willincreased  deductible  amount.
most likely not need this. Check with your
agent to be sure, but most policies cover youSpecialty-type coverages, like the ones
regardless of what car you are driving. Evenmentioned here, can usually be covered with
if your regular policy only offers thisanother good broad-based policy that you
coverage by adding a "rider" to your policy,already have. And why are these speciality
the cost of the rider will most likely beinsurance polices more expensive? It costs
much cheaper than paying the higher per-daymore for the insurance companies to
charge that the rental agency will chargeadminister these policies … so guess
you.who ends up paying for the extra costs?!



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