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MoneyWise - Insurance

Details: Insurance for your stuff, yourself, and those most important to you.

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How Non-Owner Car Insurance Works

Details: Non-owner car insurance (also known as non-driver’s insurance) is a policy that covers bodily injury and property damage liability when driving someone else’s car. If you’re at fault (or even partially at fault) in an accident, non-driver’s insurance protects you financially for the damage you cause to another person’s vehicle

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How Your Credit Score Affects Insurance Premiums

Details: In all but three states, insurance companies use a credit-based insurance score to calculate your premiums. So unless you live in California, Massachusetts or Hawaii, your credit score will be factored in. (And sometimes Michigan: Last year, Michigan passed a law that banned the use of credit scores in auto insurance, but not credit information.)

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What's the Timing on Your Next Stimulus Check, Once the

Details: Shrink your insurance bills. Car insurance companies have been offering customers discounts as everyone has been driving way less because of COVID. If yours isn’t willing to negotiate, why not shop around for a better deal? And while you’re at it, you could save hundreds by comparing rates to find a lower price on homeowners insurance.

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Will There Be a Fourth Stimulus Check?

Details: Car insurance companies have been doling out discounts for drivers who are using their cars less. If yours won’t offer savings, shop around for a better deal. And while you’re at it, comparing rates on homeowners insurance could save you hundreds of dollars a year.

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Non-Owner Car Insurance: How It Works and How to Buy It

Details: If you regularly borrow someone else’s car or if you’re legally required to buy car insurance without a car of your own, non-owner insurance could be you

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Your Car Insurance Company Could Give You a COVID

Details: An analysis by the U.S. Public Interest Research Group Education Fund took a state-by-state look at how insurance companies repaid parked motorists last spring. “Regardless how much each company profited, the majority of insurers didn’t give back more than half of one month’s premium,” the consumer watchdog says.

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You Can Lose Out on a $1,400 Stimulus Check by Filing Your

Details: You don’t always have to pay a, well, premium on the best insurance policies. From auto insurance to homeowners insurance, shop around and make sure you’re not paying more than you should. Cut the cost of your debt. If you’ve got a lot of credit card debt, you're probably paying a ton of interest.

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Credit Errors Have Exploded Due to COVID — Was Your Credit

Details: COVID-19 may have infected your credit score. Record complaints about errors on credit reports are pouring in against the credit monitoring bureaus, according to a consumer group, and the pandemic is to blame. But consumers like you are the ones paying the price for these mistakes, as credit scores

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Why Are Gasoline Prices Going Up — and How High Will They Go?

Details: For example, regular comparison shopping for car insurance can save you as much as $1,100 a year, studies have found. About the Author. Justin Anderson Reporter. Justin Anderson is a reporter at MoneyWise. He has a degree in Journalism from Ryerson University and his career has seen him cover everything from business and finance to the

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Your Next Stimulus Check Just Moved Another Big Step Closer

Details: Those may have included buying affordable life insurance, because demand for life insurance policies has surged due to COVID-19. Once the bill passes the House, Democratic leaders in the Senate reportedly aim to move it quickly to a vote there, without having various Senate committees sign off first.

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How Car Insurance Works: A Guide

Details: Insurance company you choose - Some auto insurance companies are more expensive than others, and it pays to price shop. That said, in some cases, you get what you pay for. Before deciding on a company, do your due diligence and investigate their track record.

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Health inurance could get much cheaper under President Joe

Details: If saving on health insurance isn’t enough, here are a few more ways to give your bank account a boost until the economy bounces back: Switch to a high-deductible health plan. If your medical bills are typically limited to physicals and screenings, a high-deductible plan could save you money on premiums.

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Dental Scams You Must Avoid - MoneyWise

Details: Like other health insurance plans, dental plans must be licensed and registered. The National Association of Dental Plans says before you sign up, do some research. Check with the insurance board or health department in your state. Also, look at the plan's Better Business Bureau rating, and see if there have been any complaints.

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Find out whether your health insurance covers genetic testing

Details: Most insurance policies provide total coverage of genetic testing during pregnancy, especially if the mother is over 35 years of age. Medicare genetic testing reimbursement. Kaspars Grinvalds / Shutterstock. The cost of genetic testing can vary widely. Some tests cost as little as $100, while others can be as much as $2,000, according to

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List of Dog Breeds Homeowners Insurance Won't Cover

Details: Most insurance companies are willing to accept proof that you’re a responsible owner and that your dog is a healthy, balanced and calm animal, no matter the breed. An insurer may lower premiums if you can provide proof of certified obedience training, socialization classes and a fully-fenced property.

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MoneyWise - Home

Details: Do I Need Renters Insurance? For about 50 cents a day, you can buy peace of mind for your belongings. By Sigrid Forberg. Latest Articles. How to Use Tech to Reduce Insurance Premiums. By Ethan Rotberg | 01.14.2021. 11 Strategies to Save Money on Your Insurance Bills. By Ethan Rotberg | 11.13.2020.

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What Are The Cheapest Cars to Insure? - MoneyWise

Details: While ValuePenguin’s survey looked at new cars, analysis by insurance provider Mercury Insurance (via Forbes) indicates that the least expensive used cars to insure are the Chevrolet Spark and Chevrolet Sonic. Both those makes, from 2016 to 2019, are tied for first place as the most likely to have the cheapest insurance rates.

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The 10 Strangest Home Insurance Claims That Were Actually

Details: Sure, home insurance is designed to help you recover from disasters like break-ins, storms, fires and leaks, but if you’re clever enough to read between the lines, you can get payouts for much more. It’s one way to claw money back if you’re overpaying for your policy.

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Is Life Insurance Worth It? - MoneyWise

Details: The right insurance depends on your circumstances. A breadwinner and parent might choose permanent life insurance, or maybe a term policy to cover a 20-year mortgage. A single person with very little debt might choose final expense insurance. Get a simple life insurance quote from Quotacy, a certified MoneyWise partner.

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The 6 Factors That Decide Your Health Insurance Costs (and

Details: Health insurance exists to protect people from the high cost of care, but that protection still comes at too high a price for many. Almost 28 million Americans don’t have health coverage, according to 2018 data from the Kaiser Family Foundation. Almost half of them pointed to high premiums as one reason they haven’t signed up.

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MoneyWise - Life

Details: Here's Why You Should Consider Life Insurance in Your 30s By Scott Nordlund | 05.28.2020 You Could Be Turned Down for Life Insurance Because of COVID-19, but You Still Have Options

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Is Life Insurance Worth It? - MoneyWise

Details: Term life insurance is a simple, affordable type of plan that covers you for a set number of years.. Standard policy lengths are between 10 and 30 years. Choose a time frame that coincides with your financial responsibilities — maybe until your children become adults or until the mortgage on your house has been paid off.

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What Is Not Covered by Homeowners Insurance?

Details: An earthquake can level a house, so homeowners premiums would be astronomical near fault lines if insurance companies were required to provide protection from quakes. As with flooding, coverage for earthquakes is sold separately. The insurance is a must if you live in coastal California or other high-risk areas. 4. Mold

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Will Riot Insurance Protect Your Car and Home?

Details: Homeowners insurance famously doesn't cover ever type of calamity, but a standard home insurance policy will offer financial protection if your property is harmed by fires, explosions, vandalism or malicious mischief during rioting.. Your insurance will pay for any damage to the home itself and to your belongings. If the destruction makes the home uninhabitable and you need to leave during

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Do I Need Renters Insurance? - MoneyWise

Details: Renters insurance, or tenant insurance, is a type of policy that covers your personal belongings. Even if the home you rent is covered by a homeowners insurance policy, none of the contents of the space will be protected. So if there is a fire, flood, accident or theft in your home or apartment building, without renters insurance, you’re on

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How Does Insurance Work?

Details: Insurance is a financial product that offers protection to pay for unanticipated losses. The types of losses your insurance will cover is laid out in a contract called an insurance policy, which also spells out how much you pay for your coverage. Insurance is normally divided into two major categories:

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What's the Cost of a Root Canal in 2020? - MoneyWise

Details: Many insurance policies cover at least part of the cost of a root canal. A root canal is generally considered to be a “basic restorative service.” A typical PPO health and dental plan covers 80% of the cost after a deductible is met if you go to an in-network dentist, says the American Dental Association .

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Life insurance beneficiaries: Explained - MoneyWise

Details: Either way, life insurance is an important estate planning component, whatever your age or stage of life. If you haven’t secured your own policy yet, there’s no time like now to buy life insurance and secure your peace of mind. Not sure where to begin? Quotacy provides free quotes on life insurance policies to make sure you get the best price.

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The 22 Top Auto Insurance Discounts - MoneyWise

Details: Insurance companies have policies to safeguard everything from your health to your dog, motorcycle or houseboat. And as a general rule, the more policies you buy, the more you save. For example, State Farm says you can save up to 17% off your auto insurance premiums if you also have homeowners, renters, condo or life insurance through the

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Declined for Life Insurance Due Due to COVID? Here Are

Details: Insurance companies put the premiums they collect from customers into bonds, which are considered relatively safe and secure investments. But investors in general have been flocking into bonds as a safe haven during the pandemic, causing bond prices to rise and the interest on bonds to plummet.

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The Types of Life Insurance Explained - MoneyWise

Details: The two main types of life instance are term life insurance and permanent life insurance.You buy term life insurance to cover you for a set amount of time, usually from 10 to 30 years. Permanent insurance is designed to cover you for your entire life. If you pass away while you are covered by either type of life insurance, your spouse, kids or other beneficiary will receive a death benefit

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How to Save on Car Insurance - MoneyWise

Details: Car insurance can be expensive, and if you forget to factor it into your annual car ownership costs you may be in for an unpleasant surprise. According to a recent study from ValuePenguin, the average American motorist pays $2,390 a year for car insurance.. When you're spending over $2,000 on anything, it's important to be sure you have the lowest possible price.

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MoneyWise - Health

Details: The 6 Factors That Decide Your Health Insurance Costs (and 3 That Don't) By Serah Louis | 09.25.2020. Lost Your Health Insurance in the Pandemic? These Are Your Options. By Shane Murphy | 07.30.2020. Here’s How to Find Cheap Health Insurance If You Recently Lost Your Job.

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11 Strategies to Save Money on Your Insurance Bills

Details: When it comes to auto insurance, you’ll find the cheapest rates in Maine and New Hampshire, U.S. News found. With health insurance, rural areas tend to have higher rates than suburban and urban areas, because of the difficulties of providing coverage to smaller numbers of people spread out over a large area. 10.

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How to Get Car Insurance - MoneyWise

Details: Cons: Insurance brokers may charge fees for their assistance. And while independent insurance agents offer policies from different insurance companies, "captive" agents represent just one insurer and won't be able to tell you if a competitor offers a better deal. 5. Cost-saving tips for buying car insurance

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10 Disasters Home Insurance Will Cover - MoneyWise

Details: Insurance company Nationwide warns that many home insurance policies only allow you to claim 10% of your usual limit for personal items when it comes to your kid’s dorm. So if you’re concerned your teen might be bunking with a burglar, the company recommends buying renters insurance instead for better coverage and lower premiums. 4.

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More Homeowners Reap Big Savings From 15-Year Mortgages

Details: First things first: Even with rates hovering around record lows, refinancing into a 15-year fixed-rate mortgage will likely require a larger monthly payment than refinancing to a 30-year loan.. Freddie Mac has 30-year fixed mortgage rates averaging 2.73% right now, versus the 2.21% average for 15-year loans.

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Suze Orman Coronavirus Advice: Do's and Don'ts in 2020

Details: If you're determined to spend, you might pick up something really practical — like life insurance, to protect the people who depend on you. Orman has said term life insurance is "incredibly affordable," and it's easy to buy online. 10. Don't go without health insurance

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Guide: How to Afford a Tesla Without Emptying the Bank

Details: If you have a different insurance company, they probably have a similar calculator online. If not, give them a call. If you want to get a good idea of what the month-to-month cost of owning a Tesla would be, check out this video by Ben Sullins from Teslanomics. Buying A Used Tesla.

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How Much Car Insurance Do I Need? - MoneyWise

Details: How much liability insurance do I need? You should protect yourself for the worst-case scenario, so equip yourself with coverage that includes property damage liability and bodily injury liability. About the Author. Alex Denholm Freelance Contributor. Alex Denholm is a freelance contributor to MoneyWise.

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How Digital Devices Can Reduce Your Insurance Costs

Details: Many insurance companies offer what’s called usage-based car insurance (UBI): The company will install a gadget in your car that monitors your driving habits in detail. These gadgets — called telematic devices — are super smart: They record where you go, your speed, acceleration and braking tendencies, and a bunch of other data.

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Is Life Insurance a Good Investment in Your 30s?

Details: Historically, life insurance was a "whole life" product with a running cash account, coverage until death, and tax-deferred growth. After new legislation in the 1980s in the U.S. and many other countries, the insurance industry moved into term life products in a big way.

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15 States With Fast-Rising Insurance Rates

Details: Home insurance rates are soaring as catastrophes become ever more common in the United States. Insurance companies have been paying out huge sums to fix smashed, burned and flooded homes, as 2019 was the ninth year in a row with eight or more billion-dollar natural disasters. Now the National Oceanic and Atmospheric Administration is warning that the 2020 Atlantic hurricane season could be one

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Is Renting a Waste of Money? Maybe Not.

Details: But once you factor in the property tax rate, mortgage interest rate, and your income taxes, the adjusted real rate of return on housing actually falls below zero, at about -0.575%, according to the article mentioned above. Don't forget that you'll also be paying homeowner's insurance, utilities, and sometimes private mortgage insurance. If you

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New Driver Insurance Tips | A Guide on How to Save Money

Details: Auto insurance is a very competitive business, and insurers use a slew of discounts to win new customers.. There are discounts for: Safe drivers with clean driving records. People who hold certain jobs, like schoolteachers and firefighters.

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What Is the FIRE Movement, and What Can You Learn From It?

Details: Or that insurance and an emergency fund can protect you from financial disaster. Or that financial independence doesn't necessarily mean complete retirement from all work, as Paula Pant knows. The FIRE movement isn't for everybody, but it's hard to argue with its underlying principles: Live below your means.

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18 Brands You'd Never Think Were Owned by Pepsi

Details: Tropicana started in 1947, when Sicilian immigrant Anthony Rossi began distributing fresh oranges in Florida. By 1970, Rossi had pioneered new processes for pasteurization and transportation of juice, making it possible to easily ship the product to the rest of the country.

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How Does an HSA Work?

Details: What's "high"? These health insurance plans have out-of-pocket deductibles of at least $1,350 for individuals or $2,700 for families. Most employers who provide high-deductible health plans also offer their workers the opportunity to open health savings accounts. If your employer does not, you can open an HSA through a bank or an investment firm.

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