commerce insurance in webster ma

insurance is usually something you buy to keep you and your family against possible financial loss caused by a catastrophic event or a serious illness.

But there are also types of insurance that are not really that peace of mind for you, these are not necessary, that cost more than you will ever be useful, and best avoided.

Here are 3 types of insurance that you "just say NO" to.

Life Insurance Sold by credit cards

Credit card companies offer insurance to pay off your credit card balance if you die. If you already have a life, either on your own or through your employer, is actually the same. Why pay the credit card company a much higher premium for the same thing?

Rental Car Insurance

If you rent a car, they always ask if you want car insurance, if you in an accident in the car. If you have your own car insurance, you probably do not need. Ask your agent to be sure, but most measures, regardless of what car you drive. Even if your regular only those rules by providing a "driver" for your policy, the cost of the driver is probably a lot cheaper than paying the higher per-day, the agency will charge you.

There are a few exceptions to consider. If the car is for business use, check whether your employer is the business for you. And if you will be driving outside the U.S., your agent can tell you if you have specific cover.

Unreasonably low deductible

While this is technically not a "type" of insurance, it is an insurance-based costs that you can do without. A lot of people less deductions, because the peace of mind it gives them. But how often did you really need, this lower deductible? And today, while you may be required to insurance, it is often detrimental, if you actually use!

So, if the filing of a claim threatens your insurance cover, you might want to use only an assertion that you really can not handle. It makes much more sense to increase your deductible and "self-insurance" for the smaller debts, with the savings from lower premiums.

If you decide to increase your deductible, you must to save premium dollars into a savings account so that you pay for the losses below the deductible amount.

Specialty coverages way mentioned here, you can usually good with another broad-based policy, which you already have. And why are these expensive specialty insurance policy? It costs more for the insurance for the administration of this policy ... guess who will end the payment of additional costs!

For further advice and useful information, how to make an online offer insurance for auto insurance, home insurance, health insurance, life insurance and more, please visit the 1.-Insurance-Quotes-Tips.com, which can be found at http:// www St ,1-insurance-quotes-tips. com.