Car insurance is one of those things that's a pain to shell out money for—but really comes in handy when you need it. And you definitely don't want to be caught without it. Still, you want to avoid paying more than you need to for your car insurance coverage, which is why you should keep a few money-saving tips in mind. Negotiate Points Off Your License If you have points on your license, this is most likely affecting your car insurance premiums—and not in a good way.

Your teen might have already undergone driving classes in order to get his or her driver's license. Even though you and your teen might have both thought that those classes were the last driving classes that he or she would take, it might be time to look into additional driving classes. In these cases and others, it is smart to consider having your teen take additional driving classes. 1. Your Teen Still Seems Nervous About Driving

Auto insurance can be costly and confusing at times, and one of the hardest parts of choosing it is knowing what types of coverage you should have. It is also hard to know how much you should choose for your deductible, yet these factors will play a big role in a claim you have to file after causing an accident. In fact, here are three big mistakes you should try to avoid making, as they will be costly mistakes if you ever have to file a claim on your policy.

Finding out that you now need SR-22 insurance coverage is probably not the news you wanted to receive, but it is better than some of the alternative consequences you could have faced. If you need SR-22 insurance but do not understand a lot about it, here are several questions you may want to ask. What is it, and why is it required? SR-22 is a form of car insurance used for high-risk drivers.

Most people believe that if they get rid of the car they have and no longer have a vehicle, they will no longer need to have an auto insurance policy. While there is no law that says you must have car insurance if you do not have a vehicle, there are many reasons why you should keep auto insurance even if you get rid of your car. What type of insurance would you need for this?

Business insurance is something that can protect your business and your livelihood. Even if you are a small business owner, it is worth considering the benefits of insurance. You may have a few questions about this type of insurance, and those questions, plus their answers, are as follows. Do You Need Business Insurance If You Are a Sole Proprietor? A sole proprietorship is a business that is run out of your home by you and you alone.

One of the major reasons why you should have homeowner's insurance is because you won't be able to secure a home loan without it. You will also be required to have that policy in effect while you are still paying on your home. However, once the home is paid off, there is nothing legally requiring you to continue carrying the policy. But you really should consider keeping the homeowner's insurance policy because of all the benefits and protections that it awards you.

If a guest is injured on your property and files a lawsuit against you, would your homeowner's insurance protect you financially? Nobody wants guests to get hurt on their property, but accidents happen. Personal liability insurance on your homeowner's property shields you financially against the consequences of a lawsuit by covering legal fees and the amount of the settlement or judgment. While carrying personal liability insurance is important for every homeowner, there are a few circumstances in which you should increase the amount of your coverage.

As a homeowner, of course you want to make sure you're protected with enough insurance coverage. At the same time, you don't want to pay more than you need to. Hopefully, you've already taken advantage of the many discounts that are likely available to you through your home insurance carrier. However, there may be some additional discounts you can enjoy by making just a few changes to your lifestyle or upgrades to your home--and it's possible you've been considering some of these upgrades already, anyway!

When you think about life insurance, it can seem like something you don't need today and just another bill to add every month, but nothing could be farther from the truth. Life insurance doesn't benefit the policyholder but can make a huge difference for the beneficiary. No matter what your age and occupation, a life insurance policy can make a difference for your family or those left behind. How Much Insurance Should You Have?