The Truth About Insurance

Hearsay is an act that is always overruled in a court of law. Justice is served by truth only. Don’t always trust your neighbor or uncle’s advice about insurance. You can find the truth about insurance with full transparency right here.

No matter who you are or who you know, a good and affordable insurance policy is often hard to find. Our articles explain the details about a variety of types of insurance, the pros and cons, how to choose the best company, and how to get the best rates.

Then you will be well informed and well equipped to use our rate comparison tool. All you need to do to get cheap insurance policies from great companies is enter your ZIP code above to get free insurance quotes now.

Ready to compare insurance policies? Just enter your ZIP code in FREE tool.

Personal Auto Insurance

Justice is served by truth, but only if we obey the laws. Did you know that your state’s laws are the largest factor in determining your auto insurance rates?

States put laws into effect to protect their citizens, or do they? It’s easy to get cheap insurance if you choose the legal minimum amount of coverage. However, if you were to cause an accident, your barely legal car insurance policy covers everyone else and their vehicle — not you or your car. And all too often, drivers who carry the minimum coverage limits are left with no car, hefty medical bills, and a possible lawsuit.

So, then, what type of auto insurance coverage should I have? We can’t predict the unpredictable because statistical probability seems to never be on our side. But what we can do is make sure Americans know the ins and outs of auto insurance.

The truth about insurance is that we need it to protect ourselves, our families, and our assets in cases of the unpredictable. But choosing the right policy for your family takes a bit of sleuthing.

  • Should I bundle all my insurance policies with one company?
  • Should I utilize the company’s usage-based auto insurance app?
  • Should I purchase more than what my state requires by law?

We have the answers to these questions and many more. We are here to guide you through being as ready as you can for the unpredictable.

Thankfully, though, there are some things you can predict like choosing the type of car to drive, evaluating the credibility of car insurance companies, and understanding every type of car insurance coverage. When you feel completely informed and ready, compare car insurance coverages and companies for the best protection. Use our rate comparison tool now.

Commercial Insurance

If you’re a hustling and bustling entrepreneur and own a business or plan to own a business, commercial insurance is a must.

The truth is, when it comes to managing a business, it’s sink or swim, and commercial insurance will help you stay afloat when accidents happen.

There is great responsibility in providing a service, and you can’t let your business fail because you didn’t carry commercial insurance to cover your facilities, fleets, and equipment.

If you are serving consumers directly, there is even more coverage to consider to prevent a suit filed against your business. Start learning more about why you need commercial insurance if you are a business owner.

Home Insurance

The truth is, if a hurricane wipes out your entire neighborhood and you don’t have home insurance, you would be left with nothing, literally.

Individual states don’t require home insurance by law, but lending agencies do: they need to protect their asset you are slowly buying over 30 years.

For most Americans, their home is the largest asset they will ever own. Owning a home is a huge financial responsibility. Your home is an investment, and you should protect your investments.

Managing and protecting your home can get pricey. The great news is that you can get between 5-15 percent discount on your home insurance by bundling it with auto insurance and other policies offered by the same company.

Get started with reviewing home insurance companies, coverages, and rates now.

Life Insurance

Here’s a truth about life: Everyone dies.

If you have financial responsibilities such as cars with liens, a home, or children, life insurance is a must. Even if you have none of these things, the age of 25 is still a good time to consider purchasing a policy if you have not already because typically you will be in the best health of your life when you are younger.

The best starter life insurance policy is a term life insurance policy that will last around 20 years and will have a flat-rate monthly premium. However, as you get older, term life policies will need to be renewed to determine a new monthly premium based on factors such as your age, gender, and health.

Another truth about living is we are getting older by the second. Once you turn 45, your statistical chances of dying increase by nearly 31 percent over a proceeding 40 years, and that’s if you make it past the US life expectancy of 79.

Approaching 45 is a good time to be thinking about a whole life insurance policy. Unlike term life, whole life lasts until the day you die, not in increments of 20 years. Whole life policies also have more investment options such as holding cash value or early withdrawal.

There is truth in numbers — it’s wise to secure an age-appropriate life insurance policy so that your financial responsibilities are upheld just in case your life ends earlier than planned. Use our quote tool now to find out how much life insurance you need along with great rates from credible companies.

Health Insurance

Thanks to the Healthcare Marketplace, every American can purchase health insurance without needing to be a permanent employee with a company. It is also unlawful for any health insurance company to base your rates on pre-existing conditions.

There are now more options in the types of health insurance policies you can purchase. These Marketplace plans will cover preventative care, specialist visits, prescriptions, and much more.

For example, if you are relatively healthy and do not take any medications, there are low premium / high deductible catastrophic plans.

If you are someone that sees specialists regularly and takes medications on a daily basis, plans are still affordable, but you can at least choose from a wide variety of monthly premiums, deductible, doctor visit copays, co-insurance, and prescription copays.

Before choosing one of the top 10 health insurance companies using our free quote tool, do your research and read our posts. Some of the terminologies can be very confusing and it is sometimes difficult to predict your total monthly out-of-pocket costs.

Ready to compare insurance policies? Just enter your ZIP code in FREE tool.