Category: Insurance

Cheap Car Insurance Quotes Online – Make Your Life Easier By Using The Internet

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Internet is the best place to obtain cheap car insurance quotes online. The amount that you will be quoted depends on many factors such as your driving record, location where you park and drive the car, age, type of car you drive, the purpose of you driving the car and many others.

Besides that, you will also be given discounts if you happen to fall into some special categories. For example, if you drive a car fitted with safety and anti-theft devices have enrolled in defensive driving courses or by consolidating multiple policies. A lot of people tend to forget to park their car in the garage, thinking that it is just as safe parking the car outside. However, parking your car in a safe location is one of the important factors which determine the amount you will be quoted when it comes to your driving habit. Since there are so many factors affecting the quote which you will be getting, it is advisable for you to get free insurance quotes due to the time taken to analyze the factors and in order to save your costs. The best tool which you can make use of is no other than the Internet.

Using insurance comparison website to get cheap car insurance quotes is an easier and faster way. There are lots of website which can make a comparison on the free quotes for you. You just have to find a reliable comparison site. By using this website, you do not have to go to every of the official websites anymore. Furthermore, you only have to fill one form instead of filling forms for every website you visit. This shows that this alternative is much more convenient than the first one.

Cheap car insurance quotes online are offered by insurance companies nowadays in order to attract more prospective clients. Before there is Internet, other forms of advertisement methods are used such as the radio, television or the newspaper. However, with the advent of Internet, the companies can offer free quotes 24 hours a day 7 days a week to everyone in the world.

Feedback would also be received by the companies in just a matter of minutes to find out about their prospective clients. This is a very useful tool for companies who wish to expand their business. They can also correct the flaws if there are any. Besides that, free quotes make customer’s life easier too because they are able to compare and contrast multiples quotes from different companies without having to leave the comfort of their home. They just have to fill in their details and submit them to get the quotes.

Besides that, if you go for free car insurance quotes online, you can avoid dealing with agents who will try to influence you into getting a policy which might not be what you want.

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Cheap Car Insurance Quotes Online – Make Your Life Easier By Using The Internet

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Submitted by: David J. Livingston

I am 35 years old. My friends and relatives keep telling me to invest in a life insurance policy. What is life insurance anyway and why do I need one?

A life insurance such as a term insurance policy is a legal agreement between you and a life insurance provider. This contract will provide your designated beneficiaries with a monetary amount which is pre-determined in the event that your death is within the contract term.

A policy is extremely useful especially if you are the sole earner of your family. If you unfortunately die, your family can maintain their financial security because of the amount of money that they will receive from the coverage that you have purchased. The primary goal of a life insurance policy is the financial protection of the family by replacing the income lost because of the death of the policy holder.

I am still a bachelor and do not have a family of my own. My parents are still working and my siblings have their own families. Do I still need to have a policy?

Situations change through time. If you are planning to stay a bachelor for the rest of your life, then you may opt not to purchase a life insurance policy. However, there may be a time that you will want to have a family of your own and may need one. It is better for you to purchase a policy when you are still young and are still at peak physical and health conditions.

Even if you do not have a family of your own, you can choose anybody as your designated beneficiaries. You can choose your elderly parents as your beneficiaries or any of your nieces and nephews. Some people even designate their employees or business partners as their beneficiaries. Other people are eccentric enough to name their pets as their beneficiaries. Charitable institutions can also be named as beneficiaries of life insurance policies.

What are the different types of life insurance policies I can choose from?

There are many variations of life insurance policies available in the market today. However, these plans may fall under these two main categories: the temporary and the permanent. The temporary policies include the term insurance which will only insure you for the duration of the term or time period of your choosing. You can choose from a term of 1 year to a 30 year term. The problem with this type of policy is that the term may expire and when it does, you will no longer be insured.

Permanent policies include the universal life insurance policy. This type of policy will insure you from the moment that you agreed on the policy and purchased and will remain in effect until you die. Depending on your needs, this type of policy can even earn you money through its investment option.

How do I apply for a policy?

When you want to have a life insurance policy, you must first undergo an application process. Also known as the underwriting process, the application will include answering questions about your family background and medical history. Traditionally, you must also undergo an extensive medical examination which is administered by a physician which may or may not be employed by the insurance company.

Nowadays, you can forego the medical examination by choosing a term life insurance no medical exam policy which you can obtain by using the internet. You can now easily purchase an instant term life insurance policy by visiting an insurance companys website and choosing a life insurance quote on line that will be given by the website. The amount of premiums that you will have to pay will depend on the type of policy, the length of term, and your age.

It is normal for a person to have questions about life insurance policies. It is better to have these questions answered so that people will have a better understanding of what life insurance policies are all about and why they need them.

About the Author: Article by David Livingston of EQuote, who is also a specialist in financial planning. For more information on life insurance quotation and no medical exam term life insurance, visit

equote.com

site today.

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