To shop around
Lower your liability coverage
Raise your deductible
Remove the coverage for under/uninsured motorists
Lower your deductible
Only up to your policy limits
Yes, they have to. It's a legal contract
Everytime your premium goes up
Electric coffee pot
Children playing with matches
Falling asleep while smoking
Yes, the claim happened on your property
Only if you have earthquake insurance
Yes, insurance is all the same
No. Go with the company that has the coolest tv ads. They MUST be the best!
If the policy is cheap, it will be more expensive on the back side after an accident.
Yes! Take the money and run!
Heck No! Most injuries take 72 hours to manifest symptoms.
Yes, why should I pay for other people who aren't insured or don't have enough insurance!
I should just carry a little bit of coverage as my agent told me to do.
Under/uninsured motorist coverage is the most important part of your policy. Most people drive around with severely inadequate coverage because they trusted an agent who wasn't well informed.
Airbags don't stop the brain from an injury when the car goes from 70 mph to 0 mph in 2 seconds flat. Premiums will not change dramatically because of airbags.
Yes, that's what insurance is for.
Many companies would deny the claim because the homeowner was negligent in securing his property by locking the door.
If you aren't thrown in prison for manslaughter, your wages will be garnished 25% until the woman is compensated for her losses.
In addition, to garnished wages, even your social security and IRA payouts can be garnished.
Yes, with insurance companies who cater to younger drivers or substandard companies who fight to pay claims tooth and nail.
Oftentimes, the increase in premium is about the same as the coin you'd find in a parking lot after a night out.
Wants a profit bonus at the end of the year and doesn't want his agency paying out large sums of money in claims.
It is old school and stuck in a behavioral pattern of writing policies that were adequate for the 1970s but severely inadequate for current times.
He/she didn't think your life was very valuable.
Does old school calculations of what your net worth is, disregarding the cost of rehabilitation and loss of income when you can't work after an accident or pain and suffering, as being the most important needs for higher protection on your auto policy.
All of the above
Group life policies are generally "accident only" policies and won't cover death by illness or disease.
When you leave your job (the average job is kept 7 years), you can oftentimes keep the policy but it can cost up to five times as much.
You will have to requalify for a new life policy and you may be uninsurable if you've been diagnosed with skin cancer, diabetes or an assortment of other dis-eases.
Group life policies are oftentimes more expensive than a personal policy because everyone in the group is rated as if they were very unhealthy.
All of the above.