Credit History Can Drive Your Auto Premiums

By Andrea Coombes Got bad credit? You could be paying twice as much for car insurance than if you had top-notch credit—even if your driving record is stellar. And it’s not just a problem for people with bad credit: The outright lack of a credit file also can push you into higher premiums. Just ask […]

Health Penalty To Top $95 For Many

From the Wall Street Journal : For many individuals and families, the penalty for not having health-insurance coverage will run a lot higher than the $95 figure often cited — and it could run into the five figures in some cases. That’s according to the Tax Policy Center, which has just rolled out a tax penalty […]

Health Insurance and Qualifying Life Events

Due to the rules of the Affordable Care Act, you can only apply for Health Insurance during an open enrollement period unless you have a Qualifying Life Event. The following are some examples: Involuntary loss of minimum essential coverage due to: •Discontinuation of a current plan that does not meet health care reform requirements (For example, when […]

Am I Covered If I Rent A Car?

The same exact limits of liability and deductibles you have on your full coverage vehicle AUTOMATICALLY EXTEND to a PRIVATE PASSENGER vehicle that you rent from any car rental  company. I always suggest that you take out the COLLISION DAMAGE WAIVER at the counter because if selected, you will not be responsible for any dents, dings, damage, loss […]

Seven Shopping Strategies For New Car Buyers

New car shopping can be a lot of fun, especially if you’re a car enthusiast. But others can find the experience stressful and tedious. Either way, there’s a lot to think about. According to a survey of car shoppers, overall purchase price is the most important factor when shopping for a new car (46 percent), […]

Study Shows Adults Do Not Always Buckle Kids in Car Seats

Tips to Keep Kids Safe in Vehicles       September is Child Passenger Safety Month and a new study indicates that some adults are not always making sure children are properly buckled up. Recent findings by Safe Kids Worldwide indicate that one in four respondents admitted to having driven without their child buckled up […]

Top 10 Stolen Cars of 2013

Honda Accord and Civic top the list of the most stolen cars in the country.           The National Insurance Crime Bureau (NICB)’s annual “Hot Wheels” report examines vehicle theft data submitted by law enforcement to the National Crime Information Center (NCIC) and determines the vehicle make, model and model year most […]

Covering The Gaps In Your Health Insurance Plan

Most of us can remember the good old days when health insurance was simple…. You went to work, you had an employee benefit package and all of your claims were covered. As health insurance costs continued to rise, that same plan began charging you co-pays for prescriptions and doctor visits. That was then, this is […]