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When it comes time to renew your auto insurance, do you simply stay with the insurer that you’ve known and trusted for years? For some, this works out fine. For many, however, this is a costly mistake. If it’s been a while since you’ve shopped around for auto insurance, you could be throwing hundreds of dollars away.
Your auto insurance needs are unique, and your policy should be also. Knowing the right questions to ask your auto insurance agent as you’re building a policy can help ensure that you get great coverage at a great price.
To determine your premium, your auto insurance company uses a complex algorithm that takes countless factors into consideration. Some of those factors are obviously related to driving, such as how many speeding tickets you’ve had and when you received your last one, the age and type of vehicle you drive, and how many insurance claims you’ve filed in the past.
An auto insurance deductible is the amount that you pay out of pocket for damages to your vehicle before your auto insurance company covers any accident-related expenses. Different auto insurance companies offer different deductibles, which customers select when they’re signing up for an auto insurance policy.
While auto insurance can be pricey, Nevada Insurance Enrollment can help you find the right balance between great insurance coverage and an affordable auto insurance premium. Understanding the options available to you, what coverage you’re required to carry, and evaluating your exposure to risk are good first steps.
Auto insurance coverage can be confusing, largely because insurance laws and requirements vary greatly from one state to another. As a Nevada driver, you’re required to carry liability insurance in the amounts of 25/50/20 (learn more about state minimum coverage here). However, in states like Arizona where coverage runs cheaper, state minimum coverage is a little skimpier.
According to a recent study, health insurance premiums could increase for individual plans on the ACA marketplace between 35 and 94 percent by 2021. Concern over health care is nothing new; in fact, this is the fifth consecutive year that Americans have ranked health care as a top concern.
At least for now, many aspects of ACA are still in place. Currently, an insurer can’t turn you away for a pre-existing condition, and long-term health insurance plans still have to provide coverage for ACA’s 10 essential health care benefits. Prior to 2010, private health insurance usually did not cover maternity, or preventative like it does now, and mental health was generally non-existent.
Health insurance, which has always been a topic surrounded by confusion, is doubly complicated as coverage requirements have evolved in recent years. Among the most significant changes was the individual mandate that was put into place under the Obama administration.
Knowing when to file a claim and understanding how it could affect your monthly premium is essential in making the best decision in the event of an accident.
When determining your rate, your auto insurance company looks at the claims history within your region. Some geographic regions have a higher volume of claims than others, even within the same city.
Adequate auto insurance coverage is important. Not only are all Nevada licensed drivers required by law to carry coverage, but in the event of a collision, your policy is what is standing between you and financial devastation. The term “full coverage” is one that often gets tossed around by drivers, but it’s probably not a term you’ll hear from your insurance agent.
Towing and roadside assistance is an auto insurance policy add-on that provides coverage if you get stranded or your car breaks down. This auto insurance coverage helps you handle costs like locksmith services, towing, battery service, gas delivery, and more.
New rules to the American Rescue Plan Act, stating that employees that are offered “affordable” health insurance by their employer, may now qualify for a subsidy!
Most drivers who have an auto insurance policy with collision and comprehensive coverage, decent health insurance, and homeowners or renters’ insurance can save their money by foregoing additional rental coverage.
If you are currently on Medicaid, there are some scenarios in which you may soon be at risk of losing your coverage. Knowing your options can help ensure that you do not have a gap in health insurance coverage.
For many women, pregnancy and childbirth are among the most expensive health care costs that they will face in their lifetimes, and without adequate health insurance coverage, they can end up with tens of thousands of medical debt.
The Affordable Care Act includes 10 essential health benefits. Among these is coverage for habilitative and rehabilitative services that help those with injuries or illnesses regain physical skills.
Trying to determine what insurance you or your family need or qualify for can be a struggle. Do you need employer group insurance, private insurance, or Obamacare insurance?