Articles by Amy Danise

Downsizing: Switching to a smaller car can increase your insurance bill
Americans are looking to smaller cars for savings on spiraling gas prices and for lower emissions, but will car insurance savings follow, too?
Published 03Sep2008, viewed 209 times

State Farm car insurance claims lead to better vehicle design
Imagine that the company you work for started getting 17 calls per minute from customers with problems, and that the phone rang off the hook 24 hours a day, every day. You'd think something had gone terribly wrong.
Published 02Sep2008, viewed 273 times

How High Gas Prices Can Lead to Lower Auto Insurance Rates
If all of our neighbors would just drive even less, we'd get lower auto insurance rates. When Americans spend less time on the road, the frequency of auto accidents declines. And when auto accidents go down, so do claims on auto insurance. That gets the ball rolling: When auto insurance companies see their costs on claims declining steadily, they typically respond to market conditions by lowering their auto insurance quotes.
Published 23Jun2008, viewed 446 times

"Return of premium" term life insurance comes of age
If you'd like to have term life insurance in place to provide for beneficiaries yet you're confident you'll outlive the life insurance policy, you now have many options for "return of premium" (ROP) term life insurance. Under this type of life insurance policy, if no death benefit has been paid by the end of your life insurance term, you receive all your premiums back.
Published 20Jun2008, viewed 330 times

Car Insurance Coverage for Pets in Car Accidents
Pets ride in cars all the time, but what if they're injured in a car accident? Whose car insurance company pays to treat their injuries? The answer depends on the cause of the accident.
Published 19Jun2008, viewed 116 times

Car Insurance FAQs: How to Buy Car Insurance
From lowering your insurance premiums to adding a teen driver to your policy, buying car insurance can be a confusing, overwhelming, and expensive process. However, it is a necessary part of life, and can save you a lot of stress and money in the future. It may seem like a daunting task, but there is an easier way to shop for car insurance quotes and rates.
Published 13Jun2008, viewed 242 times

Auto Insurance FAQs: Accidents Happen
With over 6 million auto accidents per year in the United States alone, there's a good chance that you or someone close to you will be involved in an auto accident at some point. Having auto insurance is a great way to be prepared for an auto accident. When shopping for auto insurance, it's important to look at auto insurance rates and quotes and do some comparing.
Published 12Jun2008, viewed 145 times

How to Buy Life Insurance You'll Want to Keep
Not everything in life works out, including, sometimes, life insurance policies. If you stop paying premiums, your life insurance policy lapses — meaning coverage ends. If you stop paying for a term life insurance policy and exceed the insurer's grace period (possibly 30 days), your policy lapses.
Published 27May2008, viewed 278 times

The Lowdown on Life Insurance Medical Exams
There are three main ways a new life insurance policy is priced: Underwritten policies are those where you answer questions on your personal and family medical history and undergo a medical exam arranged by the insurance company; a simplified issue life insurance policy application asks you some medical questions but does not require a medical exam; and a guaranteed issue life insurance policy requires no questions and no medical exam.
Published 23May2008, viewed 336 times

Umbrella Insurance Extends Your Coverage
Perhaps you've loaded up on insurance: high limits on car insurance, home and flood insurance, and ample life insurance. But even these coverages can't account for every disaster in life. To further protect your assets, there's umbrella insurance.
Published 22May2008, viewed 126 times

Twelve Ways to Save on Your Auto Insurance Policy
Want to save money on your car insurance? Here are suggestions from the Insurance Information Institute (III).
Published 17May2008, viewed 190 times

How a DUI Conviction Affects Your Car Insurance
If there's anything that could drive your car insurance cost sky-high it's a drunk-driving (DUI) conviction. According to the Insurance Information Institute, there is an alcohol-related traffic fatality in the United States every 29 minutes. Aside from the risk of killing yourself and others, drunk driving carries with it serious penalties from your car insurance company.
Published 16May2008, viewed 234 times

Auto Insurance Basics
Auto insurance is a contract that protects your financial security in case of an accident. Although it is not mandated by federal law, the purchase of auto insurance is usually a requirement in most states; every state (with the exception of New Hampshire and Wisconsin) have minimum insurance laws.
Published 02May2008, viewed 151 times

Healthy and Turned Down for Life Insurance? Here's What To Do
You are in good health and you see your doctor regularly, so what should you do now that you were turned down for life insurance based on the results of the medical exam?
Published 23Apr2008, viewed 167 times

Equity Indexed Universal Life Insurance: The Best of Both Worlds?
Although equity indexed annuities have been around for a number of years, equity indexed universal life (EIUL) insurance is a relative newcomer to the life insurance marketplace. EIUL is a spin on universal life (UL) insurance, a popular policy type because you can increase or decrease your death benefit as your needs change and your premiums can be adjusted accordingly.
Published 19Apr2008, viewed 856 times

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