When it comes to your auto insurance policy, there is the ever important topic of the deductible. Should it be higher or lower and how will it serve you best? These are important questions everyone should be able to answer when purchasing car insurance.
The first thing to know about your deductible is that it must be paid before the insurance company takes care of the rest. Keeping that in mind, a higher deductible means a lower monthly premium. So if you go through an entire year without any accidents while having a higher deductible, you’ll save money on the lower cost of your monthly premium. However, if you do wind up causing an accident, you might have to pay more out of pocket to cover the higher deductible.
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Buying auto insurance may seem like a simple thing to do. While certain minor issues may arise, the process is made easier and more affordable when you know all about what you are getting into. Here are some important things you may have not previously known about buying Hickory NC car insurance.
It Pays To Tell the Truth
Insurance agents will ask questions like ‘do you park your car in a garage?’ There may be a slight discount if you do. However, if you get in an accident and are caught in a lie, you could be subjected to higher rates that are far greater in the small discount your lie got you.
It goes without saying that your age, current health status and whether or not you smoke will affect the premium of your life insurance policy. There are also some other factors that will affect your life insurance policy.
It is not just your Hickory car insurance company that will check out your driving history. These records are also used for life insurance to assess your risk factors. There does not need to be a questionnaire for this on your insurance application as companies can access those records through the motor vehicle department. The more moving violations you have, the more you can expect to pay.
Boat insurance works a bit differently than auto insurance as there are some areas that need to be understood by boat owners. Before taking your boat out to sea, there are some important things to know about the details involving its insurance
Jeff Kincaid Insurance in Hickory NC is well versed in the finer points of boating insurance. Finding the best coverage for your boat is our top priority, one that will give boat owners the protection and peace of mind they deserve
Anyone driving a car on the open road knows the importance of having auto insurance. But not everyone should have to pay through the nose when it comes to their monthly car insurance bill. Here are 7 simple ways to lower your auto insurance premium
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Sooner or later, purchasing a life insurance policy becomes an essentiality for everyone. There are several factors that can affect your life insurance policy and it’s important to know which areas underwriters will look into.
With so many medical conditions running in the family, underwriters look into a family’s medical history when determining rates. Minor issues will not have an impact, but a history of cancer, heart disease or diabetes will be areas that are looked at more closely.
Find the full article at http://jeffkincaidinsurance.blogspot.com/2016/08/five-factors-that-affect-life-insurance.html
If you are in or around Hickory, the Jeff Kincaid Insurance in Hickory North Carolina will walk you through the entire process of purchasing personal insurance from beginning to end.
Every driver on the road is required to have auto insurance, although there are a good deal of questions that come with the specifics of those insurance policies. Here are some helpful Hickory NC auto insurance hints that every driver should know.
Adding a Spouse
When you get married, you are required to provide your agent with the names of everyone in your household. This is a way for the insurance company to accurately assess the risk factor that is posed by your family. Most times, spouses will combine auto insurance policies which actually saves money.