Compare Auto, Homeowner, Health Insurance Quotes

Everyone knows that insurance premiums can be affected by your credit history or perhaps a spotty driving record in the case of auto insurance. But few people realize that an insurance company's loss experience is one of the biggest factors for determining how much they will pay for coverage. How so? Well, say for example an insurance company paid out a large amount of homeowner insurance claims due to a particularly catastrophic year of floods and fire damage. The same insurance company may also provide auto insurance coverage. To compensate for the losses experienced under their home owner insurance division, they may raise premiums for their car insurance customers even if they had no accidents or tickets. Or, they could simply increase the insurance prices for house insurance policyholders in another state.

Insurance is a business, and like any other business it needs to generate profit. Monetary losses from an excessive amount of insurance claims are usually shifted to the consumer in the package of higher insurance premiums. If the insurance company had an extremely profitable year, they may lower rates to attract more customers and increase the number of policyholders they have. For this reason, insurance rates vary greatly from one company to another.
Health and life insurance rates are very low right now in this competitive insurance industry. However, some health and life insurance companies offer low initial rates to gain insurance customers and then gradually increase these teaser insurance rates over time. The best way to ensure you are getting the best price for your insurance needs is to review your policy rates regularly and compare them against what other competing insurance companies are offering. You can do this by requesting insurance quotes from multiple insurance companies.

Use Technology to Find an Affordable Coverage
In the past, obtaining insurance quotes was a time consuming affair that involved hours on the phone or lengthy meetings with individual insurance agents. With the technology advancements of today, you can request insurance quotes quickly and efficiently. It only takes about two minutes to fill out the online insurance questionnaire provided on 2insure4less.com. Our cutting edge technology allows you to instantly compare insurance coverage and premium quotes from multiple competing companies. The best part is you only have to enter your information once instead of traveling from website to website. We are not an insurance company, but we offer tips on how to determine the amount of insurance coverage you need.
So, whether you are looking for a cheaper auto insurance rate for an expiring car insurance policy, or you simply want to make sure you are getting the best deal on house, renters, disability, long term care, cancer, burial (final expense), life insurance, and annuity, 2insure4less is here to help both men and women find affordable insurance coverage. Why not see if you can save a little extra money on your health insurance premiums? You have the option of comparing cheap insurance coverage quotes online or speaking with a qualified insurance agent licensed in your state.

Learn How to Get a Discount from Insurance Companies
Our learning center is dedicated to helping insurance consumers become educated on their insurance needs. Our library of educational material, insurance guides and coverage calculating tools will help you in a variety of insurance situations. The next time you have an accident or need to file an insurance claim you can be prepared. We'll also tell you about what to do when a claim is denied and your rights as a policyholder. You'll also learn how to understand your insurance policy and of course, there are many tips on how to save money on insurance.
Don't pay more for insurance than you have to. Take time to compare your current insurance rates with comparable coverage from other insurance competitors. It only takes a few minutes to select the type of coverage you are interested in, and you'll be on your way to comparing insurance quotes and saving money!

Free Auto, Home, Health, Life & Long

With inflation knocking on the door of many homes and household budgets stretched tight as a drum, many of today's families are suffering the unhealthy effects of high rates and premiums.
But with the help of InsureMe, life doesn't have to be that way. In fact, saving money on car insurance, health insurance, home insurance, life insurance and long term care insurance has never been easier. All it takes is a few minutes, a little information and some wise comparison shopping to get affordable coverage and comprehensive protection!

Meeting Your Needs
At InsureMe, we care about families and their longevity. That's why we lend a hand by helping establish relationships with car insurance, life insurance, health insurance and home insurance agents—right in our customers' own backyards.

By making connections with local agents through our network, we can offer:
Established agent connections in all 50 states
Free quotes and affordable rates that help slash premiums
Help locating the right policies at the right price—without sacrificing coverage
Meeting customers' needs is our number one priority. With the help of our shopping service that offers quotes on home insurance, car insurance, life insurance, health insurance and long term care insurance, consumers can find and purchase the policies they need—all in one place. Now that's service and convenience!

Whether looking for home insurance when purchasing a new home, car insurance to cover an old car, health insurance as the family grows, life insurance for an empty-nester or long term care insurance as parents age, our service is free of charge.
There's no better way to protect loved ones and treasured possessions, like cars, homes—and especially life and health!

Helping You Choose Wisely
Not sure which types of life insurance or long term care insurance are needed? Or maybe that home or health insurance policy is about to expire. Come along with InsureMe, get some basic information on health insurance, home insurance, car insurance, life insurance and long term care insurance—and find out now!

Quick Reference Guide
Car InsuranceWhen auto accidents occur, car insurance funds the necessary repairs—and pays medical expense if someone gets hurt. Depending on the coverage chosen, a car insurance policy may apply only to the damage sustained by another driver or car, or may also cover insured drivers and their vehicles. Without car insurance, drivers risk fines, ticketing and even jail, depending on the circumstances. Check with each state to find out which car insurance coverage types are required and the amounts mandated. Practicing defensive driving and buying a safer car will help keep car insurance costs down.

Health InsuranceCovering costs such as hospital bills, emergency room fees, doctor visits and prescription drug costs, health insurance allows the policyholder to seek medical help when needed and get supplemented by the carrier for the cost of treatment. Though by no means required, studies reveal that those who carry health insurance remain healthier than those who don't. Due to the rising cost of medical care today, health insurance has become a necessity for staying healthy and strong. Health insurance quotes help keep costs competitive.

Home InsuranceHome insurance is required for every home purchase, whether new construction or old. Home insurance protects homeowners from damage, theft and suit as a result of natural disaster, vandalism or unforeseen accidents, and provides reimbursement if and when any of these events occur. Covering both the home and property inside, home insurance helps ensure long term financial viability and prevent home loan default.

Life InsuranceWhen a family member passes away, loved ones are often blindsided. In the midst of emotional turmoil, life insurance offers the resources needed to pay off mortgages or other bills, go back to school, take care of children, cover final expenses or relocate. Sometimes offered through employers' benefit plans, most people don't know how much life insurance coverage they actually need—and many end up underinsured as a result. Making this purchase at a young age helps minimize cost, while protecting those left behind.

Long Term Care InsuranceGrowing old is never easy. And when we find ourselves or a family member needing help with daily activities, long-term care coverage provides the money necessary to hire professional help. By paying for in-home nursing care, adult day care or resident nursing home care, long term care insurance assists loved ones as they age so families aren't burdened unnecessarily. As life spans lengthen, having long term care insurance in loved ones' financial portfolios becomes more important than ever before.

Getting You Insured
Now that you're well informed, it's time to take action! Whether looking to protect loved ones with car insurance, life insurance or health insurance; or secure and guard that new abode with home insurance, InsureMe can help!

Apply today for free car insurance, life insurance, home insurance, health insurance or long term care insurance quotes. Top agents will compete for your business, offering the most competitive quotes in your area. All you do is choose the coverage that's right for you—and walk away with unmatched protection right from your own home.

Don't wait. Let InsureMe find you the right car insurance, home insurance, health insurance, life insurance or long term care insurance—today!

Commercial Vehicles – Business Insurance

What many Americans don't know is that insurance fraud increases insurance rates for consumers nationwide. According to the National Insurance Crime Bureau (NICB), insurance fraud costs each American household $200 to $300 per year—a loss totaling at least.

About Insurance Fraud
Insurance fraud is defined as an intentional misrepresentation of facts and circumstances to an insurance company to illegally obtain funds. Insurance fraud is a very common white-collar crime, right up there with tax evasion.

Insurance fraud can be committed at different points in the insurance transaction, by applicants, policyholders, third-party claimants or professionals such as physicians or chiropractors who provide services to the claimants. Insurance fraud may also be committed by insurance agents by misrepresenting themselves to a client, resulting in the consumer paying for coverage he or she may not actually have.

Insurance Fraud: Hard vs. Soft
"Hard" insurance fraud occurs when there is a deliberate attempt to stage or invent an accident, injury, theft or other incident that would be covered by insurance.
In the world of auto insurance fraud, "crash test dummies" are known as drivers and passengers used in staged auto accidents. “Crash test dummies" will typically approach people and convince them to participate in the scam, saying that legal, medical and all other paperwork will be taken care of. Generally, the two motorists will then crash their cars into each other and report the accident to authorities. In addition, the driver and any passengers in the car will falsely claim they were injured in the accident.
The result for consumers? Auto insurance fraud increases premiums for everyone—criminals and law-abiding alike.

In Florida, a new trend in hard auto insurance fraud is called "ditching" or "owner-give up." "Ditching" typically occurs when the owner can no longer afford the vehicle or is otherwise unhappy with it. The vehicle is then dumped somewhere or burned, after which the claimant reports that his or her car has been stolen or victim of arson.

On the other end of the fraud spectrum, "soft" insurance fraud occurs when the policy holder exaggerates a legitimate claim. Soft insurance fraud also occurs when people provide false information their insurance agent to favorably affect the underwriting of their policy. Soft insurance fraud includes fudging facts, like the number of miles driven and where a car is garaged, or providing an inaccurate medical history when applying for health insurance.
Both hard and soft fraud contribute to all forms of insurance fraud—auto, health, home and life—and takes money out of the pockets of consumers across the country.

Combating Insurance Fraud
Groups such as the NICB and the National Association of Insurance Commissioners (NAIC), along respective state departments of insurance, are combining their efforts to combat insurance fraud and teach consumers to protect themselves.
Community outreach programs remain at the forefront of the campaign to stop insurance fraud. Many cities are conducting training programs for consumers, as well as law-enforcement officials.

The nation's property/casualty insurers have made significant investments to create Special Investigative Units which are composed of specially trained professionals to investigate suspicious insurance claims and track down offenders.
Some states are taking things into their own hands, enacting laws to deter fraud and setting up fraud bureaus devoted to fighting insurance fraud.

Protecting Yourself from Insurance Fraud
In conjunction with NAIC, state insurance departments sponsor an annual "Get Smart about Insurance Week," to educate consumers on their insurance rights and insurance fraud protection.

You can "get smart" about insurance fraud 52 weeks out of the year by doing the following:
Stop. Call. Confirm. Before signing up for a new policy, stop, call your state department of insurance and confirm that your agent or company is licensed to sell insurance in your state. You may also want to do some research on your agent or company through consumer sites like A.M Best, or Weiss Ratings.

Keep Record of Payments. If you pay for your premium with a personal or cashier's check make sure to get a receipt for your payment. And never, under any circumstances, make the check out to your agent.

Get a Checkup. Make an annual appointment to meet with your insurance agent to go over any personal insurance policies you have. This will allow you to make adjustments to your policy and ask any questions you may have.
Educate Yourself. Knowing what fraudulent practices are in use enables you to best protect yourself from becoming a victim of insurance fraud.

Report Fraud. If you suspect you or someone else is a victim of any form of insurance fraud, contact the NCIB at (800) TEL-NCIB, your state's department of insurance or visit the NAIC on the Web to fill out an online form. Reports or complaints can be made anonymously, so don't hesitate to share information about a fraudulent agent or claimant.

Fighting insurance fraud is a difficult war to wage, but government assistance in combination with consumer knowledge can make all the difference.

Tips for Saving on Your Home Insurance

Take the Time to Comparison Shop
Getting multiple quotes is an important part of saving money on your insurance premium. And a great way to get multiple quotes is through an online matching service like InsureMe. By entering your information into InsureMe's quote application, you will get matched with local insurance agents who can help you find the best policy available.

Do Your Research
You can get the lowest homeowner's insurance premium out there, but it will do you no good if the insurance company goes out of business when you make a claim. That is why it is a good idea to conduct your own research of the insurance company and policy you plan to buy. Some great resources for doing this are your state department of insurance, the Better Business Bureau and A.M. Best. The state department of insurance has information available on licensing status, as well as actions taken against insurance companies by the state. Check with the Better Business Bureau and A.M. Best for information about consumer complaints and the financial status of insurance companies.

Find an Insurer You Can Stay With
If you can find a homeowner's insurance policy with a solid, well-known company, you can stay with that company for many years. This may enable you to qualify for a discount on your premiums.

Long-Term Care Insurance

If you own a home you need an insurance policy to keep it protected against things such as theft, fire, etc. The best way to do this is through a home insurance policy. Buying this type of insurance is similar to many others. In the same manner, home insurance is very important. You are risking the well being of your home if you do not carry the proper type of insurance. The type of home insurance that you purchase is based largely on the property that you are insuring. The bigger your home the more money you are going to have to pay for coverage. Obviously, it costs more money to repair a home that is larger.

There is more to home insurance than the structure itself. You will also be able to insure some of the items that you keep inside your home as well. It is very important that you have enough coverage on the items that you currently own. Remember, if there is a fire or a burglar comes into your home, it is these items that will be in harms way.

In most cases, you will have to purchase home insurance before you take over a property. This is something that most lenders require, and of course, something that you do not want to take lightly.
You will never have a hard time finding home insurance providers. With that being said, you need to concentrate mainly on how much coverage you are buying as opposed to the company you are dealing with.
Overall, buying home insurance is important and can be a quick process if you know what you want.

Are you thinking about buying a rental property? If so, this is a great way to make extra money or add a home that you can visit for vacations, etc. Of course, buying a rental property is not as easy as it sounds. In fact, many agree that buying a second home can be much more difficult than a first. No matter what you go through, you need to remember that buying the right type of home insurance for your rental property is essential. If you skimp, you could pay the price big-time in the long run.

So why do you need great home insurance for a rental property? Since you will not be the one living in the home, you never really know what is going to happen. A tenant could start a fire, or a visitor could slip on a walkway. If something like this were to happen, you will be glad that you have plenty of home insurance. For instance, a fire could wipe out your home in no time at all. And even though this is a major disaster, if you have home insurance you will be able to recover your loss. Of course, if a tenant ever decides to sue you for one reason or the next, your home insurance could help in this area as well.

The type of property that you purchase will affect the home insurance policy that you need. For instance, insurance on a duplex is going to be different than that on a single family home. By speaking with several home insurance agents and/or receiving a few quotes, you will get a better feel for what type of policy to purchase.

If you are going to get involved with rental property, you need to make sure that you always purchase the right type of home insurance policy. It may seem like an unneeded expense, but this is anything but the case.

Auto * Home * Life * Health * Business * Mobile Home

If an accident occurs, our auto insurance policies provide financial coverage to pay any resulting vehicle damages, property damages, and/or medical expenses. The amount of money the policy provides versus the amount of money you pay out of pocket will depend on the type of coverage you purchase, the financial limits of the coverage and your deductible.Auto insurance not only protects your automobile but it also helps restore assets that might be stolen, damaged or lost. In some cases, auto insurance can help you in the unfortunate event of a lawsuit.

There is a lot to know about auto insurance in order to fully understand what you're paying for. The following information provides a quick education to help you navigate the twists, turns and choices involved in buying auto insurance.

Auto insurance includes three broad coverage categories designed to protect you from financial loss if you have an accident:

Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.

Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

Within the three broad coverage categories listed above, an auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverage's. If you're financing a car, your lender may also have requirements.

Remember that in order for your insurance coverage to take effect, all drivers and cars must be specifically listed on your policy. You should also refer to your automobile contract for the specific terms and conditions of the coverage that you have purchased. If you have any further questions you should speak directly with an independent agent or USA insurance.com agents.
Liability
Let's face it. If you have an auto accident, the legal costs could be devastating. Liability coverage offers protection against claims, property damage or bodily injury to a third party that you or a member of your household accidentally caused while driving your car. This coverage applies only if the driver is considered legally responsible for the damage.
In addition, liability coverage from USA insurance.com agents:
· up to $250 for the cost of bail bonds required because of the accident
· premiums on appeal bonds
· interest accrued after a judgment is entered in any suit we defend
· up to $50 each day for loss of earnings because we have requested that you attend a hearing or trial
· other reasonable expenses which may be incurred at our request.
Medical payments
The last thing you need to worry about at the time of an accident is your medical insurance. The medical payments portion of your policy assures that you, your family members and passengers in your car will receive necessary medical and dental services resulting from an auto accident...regardless of who caused the accident. We also provide coverage if you and your family members are involved in an accident as a pedestrian.
Uninsured motorist/Underinsured motorist
Uninsured motorist
coverage will pay for injury expenses incurred should you, your family members or passengers be involved in an accident with an uninsured motorist. This coverage also provides protection for a hit-and-run accident or an accident with a driver who has less insurance than required by law.
Underinsured motorist coverage comes into play when the other driver is found legally responsible for an accident and has coverage, but not enough to cover your injuries. If your coverage limits are higher than those of the at-fault driver, this coverage will absorb the additional expenses.
Un/Underinsured coverage is not identical in all states since each state has its own uninsured motorist laws. In most states this coverage applies to bodily injury only. However, property damage coverage is available in some states.
Damage to your auto We've discussed legal and medical damages. Another common loss is the physical damage to your vehicle that can result from an accident. There are two types of physical damage coverages: Collision and Comprehensive.
Collision coverage pays for any damage to your car caused by accidental impact with another vehicle or object...or if your vehicle overturns. The maximum amount to be paid is limited to the actual cash value of your vehicle, which is often referred to as the "local market value," less the collision deductible. Please remember that the local market value is only a starting point. The actual cost of the car may be more or less depending on the actual condition of the car.
Comprehensive coverage Situations where damage is not cover pays for most types of damage to your car resulting from a situation other than a collision. Typical examples include breakage of glass, falling objects, fire, theft, windstorm, hail, water, flood, malicious mischief, vandalism, or impact with a bird or animal. The maximum amount paid is limited to the actual cash value of your vehicle less the "other than collision" deductible.
ed. Please be aware that your policy will not pay for damages due to normal wear and tear such as mechanical or electrical breakdowns and flat tires.
Personal injury protection (No-Fault) Your policy will provide no-fault insurance for residents of states where it is required. This means that you, your family and any passengers are covered under your policy regardless of who is responsible for the accident. This coverage includes medical, surgical, dental, hospital, work loss and certain other related expenses. This same coverage extends to you or your family member in an accident as a pedestrian.
Additional, optional coverages Some coverages are not included as part of the basic auto policy. However, you can customize your policy to your needs by adding the following coverages:
· Towing and labor: pays for towing and labor costs each time your car is disabled. Covered labor must be performed at the place where your car is disabled. There's usually a limit to the dollar amount that will be applied to each loss.
· Rental reimbursement: pays for a rental car if your car is damaged by a situation covered by comprehensive or collision coverage and if your car is out of commission for more than 24 hours.
· Tapes, records, CD coverage: pays up to a certain amount for loss of tapes/CDs used with your car's stereo equipment, as long as they are in your car at the time of loss.
· CB radio/car phone: Unless installed by the manufacturer, these items are not covered under your basic policy. This additional coverage pays for loss to your CB or two-way radio/telephone if the equipment is not permanently installed in your car at the time of loss.