Hot Auto Insurance

Everyone knows that young students are healthier. Most have (and will) not see the inside of a hospital for a very long time. However, we need to understand that good health in the past is never a guarantee of freedom from illness or emergencies in the future.

Buying international student insurance is a great way to mitigate the risk associated with unexpected health emergencies. It is also mandatory to have some minimum insurance coverage in many universities.

Insurance premiums cost more the older you get, as the risk associated is higher. Read full post…

On the Car Insurance Blog we not only provide advice on finding affordable and the correct car insurance, but also assist our vehicle owners with information about safety on the road. This also includes advice on how to protect yourself in the event of the unfortunate road accident.

Once an accident has occurred it is often a race against time to protect the lives of the accident victims.

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According to Laurent Belsie’s article in The Christian Science Monitor, the five states where you will spend the least amount of your median income on car insurance are not necessarily the states with the cheapest car insurance rates.  In “Insurance rates: Top 5 states to insure a car for less,” Belsie lists the five states where companies like Esurance will insure your car for less of your median income than all other states.  The national average for car insurance payments is $733 per year or 3.5% of one’s income.

Although insurance rates are relatively high in Massachusetts, the median income is as well so residents of the Bay State pay the least percentage of income towards their car insurance.  The average cheap car insurance payment of $509 a year equals out to 2% of the annual income in Massachusetts.  Minnesota is the second place state, even though they have very harsh winters filled with loads of snow, ice and sleet.  Drivers there spend about 2.4% of their median income on their average car insurance payments of $563 per year.  Maybe it is because they spend so much time stuck in their houses in a snowdrift!

Hawaii comes in third place, even though they pay the most insurance of all the top five states at $602 a year.  They also make much more on average than Americans in other states.  Companies like Allmerica car insurance don’t have to worry about snow and ice since residents are driving in beautiful weather year round.  The fourth place state is New Hampshire, partly because there are so many less drivers per square mile than neighbors like New York City.  Residents pay $595 a year, which is 2.5% of their median income.  Utah rounds out the top five with residents paying 2.4% of their income for car insurance of $573 per year.  They have a lot of open space and far fewer residents than many other states.

When you buy International Student Health Insurance, along with a docket full of documents you also get a Health Insurance card. The card is supposed to be carried with you at all times. Many students forget this important aspect.

If it is a planned visit to the doctor, you will obviously remember to carry the card with you to process a claim. However, in case you are in an emergency and need to be rushed to a hospital, your health insurance card kept securely in a folder at home is not going to be of much use. Medical authorities will most probably look into your wallet to ascertain your identity. Read full post…

Getting your first car insurance policy may not be a priority, but it should be. Car insurance protects one of your first investments, your car. But car insurance can be complicated and often new car insurance shoppers fail to compare car insurance rates and in turn fail to reap the financial benefits of finding the best and affordable car insurance available to them.

Don’t just assume since you are purchasing your first car insurance policy that you will have to pay extremely high premiums. Yes, you will pay higher premiums than people who have had car insurance for some time, but that does not mean you can not find affordable car insurance.