http://www.selectinsuranceteam.com/selectinsuranceblog.html
Showing posts with label Select Insurance Group. Show all posts
Showing posts with label Select Insurance Group. Show all posts
Sunday, January 15, 2012
alternatives to COBRA health insurance
Most people are not aware that there are alternatives to COBRA health insurance plans. COBRA is expensive temporary insurance. Why not explore these alternatives and save money? Our company works with multiple A-Rated carriers and can guarantee acceptance without pre-existing conditions. If you would like to save more than 50% from your COBRA Payment, please call us or fill out our FREE QUOTE FORM. You can apply today and be insured the very same day. We offer affordable health insurance for everyone, including your college students. So if you have a son or daughter in college and you are keeping them on COBRA because you are not aware of your options, please contact us today!
Sunday, January 8, 2012
What If I Already Have An SR22 Insurance Policy? Can You Still Save Me Money?
Even if you already have SR22 Insurance you'll want to fill out the quote form because you'll most likely save at least several hundred dollars by taking advantage of our exclusive partnership. There is no obligation at all by requesting a quote, it's free, and it only takes about a minute and a half to do.
We've gone out of our way to help you; there is absolutely no reason not to fill out a free quote and see how much you'll save on one of our SR22 insurance policies.
Your Privacy is Vigorously Protected. We do not forward your information on to anyone for any reason. Your information is collected within a state-of-the-art secure web enviornment (similar to banking institutions) and will never be used in any other manner other than to provide you with the lowest SR22 insurance quote available.
We've gone out of our way to help you; there is absolutely no reason not to fill out a free quote and see how much you'll save on one of our SR22 insurance policies.
Your Privacy is Vigorously Protected. We do not forward your information on to anyone for any reason. Your information is collected within a state-of-the-art secure web enviornment (similar to banking institutions) and will never be used in any other manner other than to provide you with the lowest SR22 insurance quote available.
Sunday, January 1, 2012
3 Steps to Get your Driving Privilege Back
If your Missouri driving privilege was suspended, revoked, or denied and you would like to know how to get it back, follow the three steps below.
1. Determine the reason(s) why your driving privilege was suspended, revoked, or denied. More than likely you probably have a pretty good idea of "why" but this information is also included in the letter(s) you should have received from the Driver License Bureau when your driving privilege was taken away, or can be found on your current Missouri driver record. You may purchase a copy of your current driver record at any Missouri license office, or call (573) 526-2407. The basic fee for a Missouri driver record is $5.88 per driver record. Other fees may apply.
2.Note all reasons why your driving privilege was taken away. A reason should be listed on each letter, and all the reasons will be listed on your driver record under "Department Actions." If all the dates show you may now get your driving privilege back, use the chart to find out what forms to file, if any, and how much you must pay. If it is still too soon to get your driving privilege back, you may want to read the information about limited driving privileges.
3. If you have two or more reasons why your driving privilege was taken away, look on the chart under each reason to see what forms you need and the total amount to pay. NOTE: You will only need to file one proof of liability insurance form (i.e., SR-22 form; click here for a sample SR-22 form even if it is required under all reasons for which you lost your driving privilege.
For Example: If you lost your driving privilege because of points from speeding tickets, you must file an SR-22 insurance form and pay $20. However, if you ALSO lost your driving privilege due to refusing to take an alcohol or drug test, you must file proof you completed a Substance Abuse Traffic Offender Program (SATOP), file an SR-22 insurance form, and pay an additional $45. Altogether, you must pay a total of $65, complete a SATOP, and file an SR-22 insurance form.
When it is time to reinstate your driving privilege, bring your money and forms to:
Driver License Bureau
Truman State Office Building
301 West High Street, Room 470
Jefferson City, Missouri
Telephone: (573) 526-2407
Office Hours: Mon-Fri 7:30-5:00 (except state office closings)
OR mail your money and forms to:
Driver License Bureau
P.O. Box 200
Jefferson City, Missouri 65105-0200
OR pay by telephone using the following credit cards:
• Visa, MasterCard, Discover, or American Express
•Telephone Number: (573) 526-2407
TO GET INSTANT SR22 AUTO INSURANCE COVERAGE, CLICK HERE!
1. Determine the reason(s) why your driving privilege was suspended, revoked, or denied. More than likely you probably have a pretty good idea of "why" but this information is also included in the letter(s) you should have received from the Driver License Bureau when your driving privilege was taken away, or can be found on your current Missouri driver record. You may purchase a copy of your current driver record at any Missouri license office, or call (573) 526-2407. The basic fee for a Missouri driver record is $5.88 per driver record. Other fees may apply.
2.Note all reasons why your driving privilege was taken away. A reason should be listed on each letter, and all the reasons will be listed on your driver record under "Department Actions." If all the dates show you may now get your driving privilege back, use the chart to find out what forms to file, if any, and how much you must pay. If it is still too soon to get your driving privilege back, you may want to read the information about limited driving privileges.
3. If you have two or more reasons why your driving privilege was taken away, look on the chart under each reason to see what forms you need and the total amount to pay. NOTE: You will only need to file one proof of liability insurance form (i.e., SR-22 form; click here for a sample SR-22 form even if it is required under all reasons for which you lost your driving privilege.
For Example: If you lost your driving privilege because of points from speeding tickets, you must file an SR-22 insurance form and pay $20. However, if you ALSO lost your driving privilege due to refusing to take an alcohol or drug test, you must file proof you completed a Substance Abuse Traffic Offender Program (SATOP), file an SR-22 insurance form, and pay an additional $45. Altogether, you must pay a total of $65, complete a SATOP, and file an SR-22 insurance form.
When it is time to reinstate your driving privilege, bring your money and forms to:
Driver License Bureau
Truman State Office Building
301 West High Street, Room 470
Jefferson City, Missouri
Telephone: (573) 526-2407
Office Hours: Mon-Fri 7:30-5:00 (except state office closings)
OR mail your money and forms to:
Driver License Bureau
P.O. Box 200
Jefferson City, Missouri 65105-0200
OR pay by telephone using the following credit cards:
• Visa, MasterCard, Discover, or American Express
•Telephone Number: (573) 526-2407
TO GET INSTANT SR22 AUTO INSURANCE COVERAGE, CLICK HERE!
Tuesday, June 21, 2011
Here’s how many car accidents you’ll have
If you haven’t been in a car accident, consider yourself lucky. Or overdue.
By car insurance industry estimates, you will file a claim for a collision about once every 17.9 years. That’s if you’re an average driver, which, whether you’re willing to admit it or not, you likely are.
So if you got your license at age 16, the odds are quite good that you’ll experience some kind of crash by the time you’re 34, at the latest. Over the course of a typical long, driving lifetime, you should have a total of three to four accidents.
Chances are these crashes won’t be deadly. There are about 10 million accidents of all kinds each year, from parking lot scrapes to multi-car pileups, according to the National Safety Council; in 2009, just three of every 1,000 of those accidents involved fatalities.
But these crashes most likely will be costly. More than 2 million people are injured in crashes every year. In 2010, the average claim for injuries to cover both the insured driver and others involved in the crash had risen to $23,450, thanks in large part to soaring medical costs, according to the Insurance Research Council, a nonprofit research group.
[Let selectinsuranceteam.com help you find affordable auto insurance now.]
Accidents on the installment plan
Which brings us to why this little-known number is so critical. (We got the accident-every-18-years statistic from the Property Casualty Insurers Association of America, a trade association that analyzes insurance data.)
Insurance companies may sell protection -- and one night of TV advertisements suggests that they do a pretty good job on this front -- but they’re in the game to make a profit. And they don’t make a profit by paying for your accidents. They do so by getting you to pay for your accidents -- in advance.
“You’re paying a smaller portion over a longer period of time,” explains Dee Dee Mays, an actuary with Perr&Knight, an insurance consultancy. “It’s kind of a way to spread your risk.”
How to price your insurance rates low enough to lure you from a competitor, but high enough to make a profit on your future accidents, involves elaborate risk assessments that constitute the secret sauce of the insurance business.
But all can be boiled down to the need to determine two things:
How many accidents will occur? Or, put another way, how likely is each driver in each car to have an accident? And,
How much will each accident cost?
You’re already a statistic
How often you're considered due for that next accident depends a little, too, on your insurer. A company that insures large numbers of young drivers – who are far more likely to have accidents -- will likely budget for a shorter gap between crashes. State Farm, the country's largest auto insurance company, has customers with slightly lower-than-average accident rates.
"If we just take collisions, the average State Farm policy holder has a collision claim once every 19 years," says State Farm spokesman Dick Luedke.
But odds are made to be beaten, right?
Many factors are beyond a driver’s immediate control. Clearly you can’t alter road conditions or medical costs, at least by the time your insurance bill is due. That, in the insurance game, makes you a firm stat: a driver paying for the accident he’s expected to have every 17.9 years.
But there are some ways you can move the needle, ways that will both change your lifetime-accident rate and lower your insurance premium.
Assuming that, at least today, you can’t change your age, your driving history, or what kind of car you drive, here are some behaviors you can incorporate to lower your accident risk and, in the end, your insurance rates.
Don’t drive impaired. No single factor is more likely to cause an accident than a driver impaired by alcohol or other drugs. One-third of fatal accidents in this country are attributed to drunken drivers alone.
Don’t drive during the vampire hour. The deadliest three-hour periods on American roadways are between midnight and 3 a.m. on Saturdays and Sundays, according to the National Highway Traffic Safety Administration (NHTSA). Of those fatal crashes, 66% involve alcohol-impaired driving.
Keep your eyes on the road. NHTSA data show that 995 of the 30,797 fatal crashes in 2009 involved drivers using cell phones. Nearly, 5,500 traffic deaths involved a driver distracted by something inside the car, including technology, according to the U.S. Department of Transportation.
Don’t speed. Nearly one-third of all fatal accidents are attributed to speeding or driving too fast for conditions. Speeding is the single greatest contributor to accidents other than impaired driving. Insurance companies love such proven risk factors when assessing rates. Anyone who’s seen their premiums skyrocket after getting a ticket knows this well.
Avoid congestion. Less than a quarter of both injury crashes and non-injury crashes in 2009 occurred on roadways with a posted speed limit of 55 mph or higher. Fewer intersections apparently make for fewer crashes. Be careful, though: When accidents do occur on these highways, they are more likely to be deadly, accounting for nearly half of all traffic fatalities.
By car insurance industry estimates, you will file a claim for a collision about once every 17.9 years. That’s if you’re an average driver, which, whether you’re willing to admit it or not, you likely are.
So if you got your license at age 16, the odds are quite good that you’ll experience some kind of crash by the time you’re 34, at the latest. Over the course of a typical long, driving lifetime, you should have a total of three to four accidents.
Chances are these crashes won’t be deadly. There are about 10 million accidents of all kinds each year, from parking lot scrapes to multi-car pileups, according to the National Safety Council; in 2009, just three of every 1,000 of those accidents involved fatalities.
But these crashes most likely will be costly. More than 2 million people are injured in crashes every year. In 2010, the average claim for injuries to cover both the insured driver and others involved in the crash had risen to $23,450, thanks in large part to soaring medical costs, according to the Insurance Research Council, a nonprofit research group.
[Let selectinsuranceteam.com help you find affordable auto insurance now.]
Accidents on the installment plan
Which brings us to why this little-known number is so critical. (We got the accident-every-18-years statistic from the Property Casualty Insurers Association of America, a trade association that analyzes insurance data.)
Insurance companies may sell protection -- and one night of TV advertisements suggests that they do a pretty good job on this front -- but they’re in the game to make a profit. And they don’t make a profit by paying for your accidents. They do so by getting you to pay for your accidents -- in advance.
“You’re paying a smaller portion over a longer period of time,” explains Dee Dee Mays, an actuary with Perr&Knight, an insurance consultancy. “It’s kind of a way to spread your risk.”
How to price your insurance rates low enough to lure you from a competitor, but high enough to make a profit on your future accidents, involves elaborate risk assessments that constitute the secret sauce of the insurance business.
But all can be boiled down to the need to determine two things:
How many accidents will occur? Or, put another way, how likely is each driver in each car to have an accident? And,
How much will each accident cost?
You’re already a statistic
How often you're considered due for that next accident depends a little, too, on your insurer. A company that insures large numbers of young drivers – who are far more likely to have accidents -- will likely budget for a shorter gap between crashes. State Farm, the country's largest auto insurance company, has customers with slightly lower-than-average accident rates.
"If we just take collisions, the average State Farm policy holder has a collision claim once every 19 years," says State Farm spokesman Dick Luedke.
But odds are made to be beaten, right?
Many factors are beyond a driver’s immediate control. Clearly you can’t alter road conditions or medical costs, at least by the time your insurance bill is due. That, in the insurance game, makes you a firm stat: a driver paying for the accident he’s expected to have every 17.9 years.
But there are some ways you can move the needle, ways that will both change your lifetime-accident rate and lower your insurance premium.
Assuming that, at least today, you can’t change your age, your driving history, or what kind of car you drive, here are some behaviors you can incorporate to lower your accident risk and, in the end, your insurance rates.
Don’t drive impaired. No single factor is more likely to cause an accident than a driver impaired by alcohol or other drugs. One-third of fatal accidents in this country are attributed to drunken drivers alone.
Don’t drive during the vampire hour. The deadliest three-hour periods on American roadways are between midnight and 3 a.m. on Saturdays and Sundays, according to the National Highway Traffic Safety Administration (NHTSA). Of those fatal crashes, 66% involve alcohol-impaired driving.
Keep your eyes on the road. NHTSA data show that 995 of the 30,797 fatal crashes in 2009 involved drivers using cell phones. Nearly, 5,500 traffic deaths involved a driver distracted by something inside the car, including technology, according to the U.S. Department of Transportation.
Don’t speed. Nearly one-third of all fatal accidents are attributed to speeding or driving too fast for conditions. Speeding is the single greatest contributor to accidents other than impaired driving. Insurance companies love such proven risk factors when assessing rates. Anyone who’s seen their premiums skyrocket after getting a ticket knows this well.
Avoid congestion. Less than a quarter of both injury crashes and non-injury crashes in 2009 occurred on roadways with a posted speed limit of 55 mph or higher. Fewer intersections apparently make for fewer crashes. Be careful, though: When accidents do occur on these highways, they are more likely to be deadly, accounting for nearly half of all traffic fatalities.
Select Insurance group Saint Peters Car Insurance Rates
Need auto insurance in Saint Peters, Missouri? At selectinsuranceteam.com, you can get leading car insurance rates in Saint Peters, and in Saint Charles County. We also offer full consumer support to help you through the auto insurance buying process if you would like. To find car insurance quotes near you, key your postal code into this link.
Sunday, June 19, 2011
Select Insurance Group Insurance Agency of St. Peters, MO
A Dependable St Peters Auto Insurance Company can Keep You Insured in a Tough Economy
During these difficult times, everyone’s looking for ways to save money. Most people can find a few areas of their budget where they can cut back on spending, but unless you plan to give up driving, you can’t just drop your auto insurance. Driving without auto insurance isn’t a solution. If you’re in an accident, you’ll have no coverage for injuries or vehicle repairs. And if you’re liable for the accident, you’ll be dealing with some serious issues. Talk with your St Peters auto insurance company before you ever decide to drop your coverage.
Auto insurance is meant to protect you if you are ever involved in an accident. If you’re ever hurt in an accident or need your car repaired after a collision, auto insurance is there to help you out. If you are at fault for the accident, your auto insurance will cover you. Obviously, driving without auto insurance is not a wise choice, even if you think it might save you some money. Not only does auto insurance protect you, it’s also required by law. To find realistic ways to save on your premiums contact a qualified auto insurance agent.
The St Peters Auto Insurance Carrier: Helping You Determine the Right Coverage
If you’re having problems with your budget, now’s the time to discuss your insurance coverage with your St Peters auto insurance carrier. You still have options when it comes to keeping your auto insurance coverage and protecting yourself. Be aware that no two drivers are exactly the same, and what might be ok for one person might not be alright in your case. By spending a little time with a qualified St Peters auto insurance agent, you can find a few places where you can save.
Begin by figuring out exactly how much coverage you are required to have. There is a certain amount of insurance that is required by law. Property damage and bodily injury are mandatory, but the minimums required by law do not provide adequate coverage. A lawsuit could put your home and personal property in jeopardy if you are found to be responsible for an accident where the other person’s damages or injuries exceed the amount of your coverage. To get help determining the amount of coverage that’s right for you, contact your St Peters auto insurance company.
Saving Money with a Knowledgeable St Peters Auto Insurance Company
Once you figure out how much insurance you need, you can then go over your policy with your St Peters auto insurance company to see if there is anything you can eliminate to save a little cash. If you have rental car coverage, do you really need it? It could be costing you extra if your policy includes the cost of a car rental in case of an accident. If you know you can get by without a rental car, you can probably get rid of this added expense on your policy. Of course, this depends on your personal circumstances. Talk with your St Peters auto insurance company to find out what things you can remove from your coverage and still be safely insured.
Do you drive an older vehicle? It may be possible to do without collision if you’re driving an older car. Your annual insurance rates could be costing you more than the value of your car if it’s valued at less than a thousand dollars. Additionally, an older vehicle is usually cheaper to repair. Remember this option only applies to collision coverage. You still have to have the basic bodily injury and liability required by law. To see if the age of your vehicle justifies dropping collision, talk with a reputable St Peters auto insurance agent.
Call a qualified St Peters auto insurance company to ask about the option of taking a higher deductible. Your deductible is what you must pay to cover damages before the insurance company will pay for the rest. Taking a higher deductible is one of the easiest methods of saving money on your premiums. A higher deductible can mean substantial savings. If you ever do need to make a claim, you’ll want to have the money available for that higher deductible.
The St Peters Auto Insurance Company: Working for You
A knowledgeable St Peters auto insurance agent may be able to help you find some discounts that could save you considerable money. Buying more than one insurance policy from the same carrier could mean a discount. Look into getting all your coverage from one insurer and you could save some cash. Buying your homeowners’ coverage and auto insurance from the same agent is a good example of this. A St Peters auto insurance agent can tell you if this will work for you.
Other discounts might be available if you talk to your St Peters auto insurance agent. Are you a low mileage driver? If you’re a low-mileage driver, ask about discounts. There’s less chance of accident if you don’t drive much. Are you a senior driver? There may be a discount for senior drivers. Senior drivers tend to safe drivers. Consider enrolling in a driver’s safety course. You can improve your driving and save some cash on your insurance by taking one of these refresher courses. A knowledgeable St Peters auto insurance agent can tell you what discounts they may have available for you.
You shouldn’t go without the essential things in life because your budget is tight. If you take your car out on the road, you need auto insurance coverage. The savings you’re thinking you’ll gain is not worth taking the chance of driving without auto insurance. A reliable St Peters auto insurance company can help you find the answers you need. While every driver is different, there are still things you can consider. If you’re feeling the squeeze of a tight budget, call your St Peters auto insurance agent. He or she will work hard to help you maintain your auto insurance coverage and save money whereever possible.
During these difficult times, everyone’s looking for ways to save money. Most people can find a few areas of their budget where they can cut back on spending, but unless you plan to give up driving, you can’t just drop your auto insurance. Driving without auto insurance isn’t a solution. If you’re in an accident, you’ll have no coverage for injuries or vehicle repairs. And if you’re liable for the accident, you’ll be dealing with some serious issues. Talk with your St Peters auto insurance company before you ever decide to drop your coverage.
Auto insurance is meant to protect you if you are ever involved in an accident. If you’re ever hurt in an accident or need your car repaired after a collision, auto insurance is there to help you out. If you are at fault for the accident, your auto insurance will cover you. Obviously, driving without auto insurance is not a wise choice, even if you think it might save you some money. Not only does auto insurance protect you, it’s also required by law. To find realistic ways to save on your premiums contact a qualified auto insurance agent.
The St Peters Auto Insurance Carrier: Helping You Determine the Right Coverage
If you’re having problems with your budget, now’s the time to discuss your insurance coverage with your St Peters auto insurance carrier. You still have options when it comes to keeping your auto insurance coverage and protecting yourself. Be aware that no two drivers are exactly the same, and what might be ok for one person might not be alright in your case. By spending a little time with a qualified St Peters auto insurance agent, you can find a few places where you can save.
Begin by figuring out exactly how much coverage you are required to have. There is a certain amount of insurance that is required by law. Property damage and bodily injury are mandatory, but the minimums required by law do not provide adequate coverage. A lawsuit could put your home and personal property in jeopardy if you are found to be responsible for an accident where the other person’s damages or injuries exceed the amount of your coverage. To get help determining the amount of coverage that’s right for you, contact your St Peters auto insurance company.
Saving Money with a Knowledgeable St Peters Auto Insurance Company
Once you figure out how much insurance you need, you can then go over your policy with your St Peters auto insurance company to see if there is anything you can eliminate to save a little cash. If you have rental car coverage, do you really need it? It could be costing you extra if your policy includes the cost of a car rental in case of an accident. If you know you can get by without a rental car, you can probably get rid of this added expense on your policy. Of course, this depends on your personal circumstances. Talk with your St Peters auto insurance company to find out what things you can remove from your coverage and still be safely insured.
Do you drive an older vehicle? It may be possible to do without collision if you’re driving an older car. Your annual insurance rates could be costing you more than the value of your car if it’s valued at less than a thousand dollars. Additionally, an older vehicle is usually cheaper to repair. Remember this option only applies to collision coverage. You still have to have the basic bodily injury and liability required by law. To see if the age of your vehicle justifies dropping collision, talk with a reputable St Peters auto insurance agent.
Call a qualified St Peters auto insurance company to ask about the option of taking a higher deductible. Your deductible is what you must pay to cover damages before the insurance company will pay for the rest. Taking a higher deductible is one of the easiest methods of saving money on your premiums. A higher deductible can mean substantial savings. If you ever do need to make a claim, you’ll want to have the money available for that higher deductible.
The St Peters Auto Insurance Company: Working for You
A knowledgeable St Peters auto insurance agent may be able to help you find some discounts that could save you considerable money. Buying more than one insurance policy from the same carrier could mean a discount. Look into getting all your coverage from one insurer and you could save some cash. Buying your homeowners’ coverage and auto insurance from the same agent is a good example of this. A St Peters auto insurance agent can tell you if this will work for you.
Other discounts might be available if you talk to your St Peters auto insurance agent. Are you a low mileage driver? If you’re a low-mileage driver, ask about discounts. There’s less chance of accident if you don’t drive much. Are you a senior driver? There may be a discount for senior drivers. Senior drivers tend to safe drivers. Consider enrolling in a driver’s safety course. You can improve your driving and save some cash on your insurance by taking one of these refresher courses. A knowledgeable St Peters auto insurance agent can tell you what discounts they may have available for you.
You shouldn’t go without the essential things in life because your budget is tight. If you take your car out on the road, you need auto insurance coverage. The savings you’re thinking you’ll gain is not worth taking the chance of driving without auto insurance. A reliable St Peters auto insurance company can help you find the answers you need. While every driver is different, there are still things you can consider. If you’re feeling the squeeze of a tight budget, call your St Peters auto insurance agent. He or she will work hard to help you maintain your auto insurance coverage and save money whereever possible.
Wednesday, June 1, 2011
Most Common Renters Insurance Myths
Are you currently living in a rental property? Do you have a Renters Insurance Policy?
Unfortunately, many people who would greatly benefit from a Renters Insurance don’t think that they need it, or don’t think they are qualified to have it. Below you will find the answers to some of the most common Renters Insurance myths, allowing you to better understand what the policy really offers and why you may want to reconsider your need for Missouri Renters Insurance:
1. I don’t have enough personal assets to require Renters Insurance.
How much do you consider enough? $5,000 worth of personal valuables? $10,000? How about $20,000 worth of personal assets? Studies have shown that around 45% of renters have at least $20,000 in possessions. Even if your valuables only total $5,000, are you ready to spend $5000 just to get back to the same position you are in now? Considering that Renters Insurance costs average $260 per year, meaning it would take you over 19 years to pay $5,000 in Renters Insurance fees.
2. My landlord has insurance, so I don’t need my own coverage.
The insurance your landlord has only covers the actual property, unless the damage done to the property is due to negligence from you, the resident, in which case the resident is responsible for covering the cost of the damage. Generally speaking, the landlord’s insurance does not cover your personal valuables—thankfully Renters Insurance does. It even covers the cost of a temporary place to stay if your apartment becomes uninhabitable due to some sort of disaster.
2. Renters Insurance only covers what’s actually in my rental property.
Actually, Renters Insurance also covers things that you leave in your car, even if that car is nowhere near your apartment. Furthermore, it also provides personal liability coverage, meaning that if you accidentally burn down your own apartment or there’s an accident in your apartment, Renters Insurance will cover any damage to the apartment or a person, and it will even cover legal bills if a lawsuit results. Renters Insurance is quite versatile on top of being surprisingly affordable.
Interested in learning more about MO Renters Insurance? Contact Select Insurance Group at 1-855-GET-SELECT, we’d be happy to discuss your coverage options with you and help you better protect your personal valuables!
Unfortunately, many people who would greatly benefit from a Renters Insurance don’t think that they need it, or don’t think they are qualified to have it. Below you will find the answers to some of the most common Renters Insurance myths, allowing you to better understand what the policy really offers and why you may want to reconsider your need for Missouri Renters Insurance:
1. I don’t have enough personal assets to require Renters Insurance.
How much do you consider enough? $5,000 worth of personal valuables? $10,000? How about $20,000 worth of personal assets? Studies have shown that around 45% of renters have at least $20,000 in possessions. Even if your valuables only total $5,000, are you ready to spend $5000 just to get back to the same position you are in now? Considering that Renters Insurance costs average $260 per year, meaning it would take you over 19 years to pay $5,000 in Renters Insurance fees.
2. My landlord has insurance, so I don’t need my own coverage.
The insurance your landlord has only covers the actual property, unless the damage done to the property is due to negligence from you, the resident, in which case the resident is responsible for covering the cost of the damage. Generally speaking, the landlord’s insurance does not cover your personal valuables—thankfully Renters Insurance does. It even covers the cost of a temporary place to stay if your apartment becomes uninhabitable due to some sort of disaster.
2. Renters Insurance only covers what’s actually in my rental property.
Actually, Renters Insurance also covers things that you leave in your car, even if that car is nowhere near your apartment. Furthermore, it also provides personal liability coverage, meaning that if you accidentally burn down your own apartment or there’s an accident in your apartment, Renters Insurance will cover any damage to the apartment or a person, and it will even cover legal bills if a lawsuit results. Renters Insurance is quite versatile on top of being surprisingly affordable.
Interested in learning more about MO Renters Insurance? Contact Select Insurance Group at 1-855-GET-SELECT, we’d be happy to discuss your coverage options with you and help you better protect your personal valuables!
Do you have questions about Missouri health insurance?
You and your family deserve the best and most affordable health coverage in the state. With health care reform sweeping the nation, it’s important you get all the information you need before committing to any provider. There are important things you need to know before purchasing any Missouri health insurance.
Missouri is ranked 39th in the healthiest states to live in, so selecting the correct insurance is important so you do not get overwhelmed with bad rates and underwhelmed with bad coverage. Missouri, in comparison to other states, has low public health funding (ranked 45th) and has a high rate of preventable hospitalizations.
All states are currently having trouble with general health and insurance, and Missouri is no different. Because of the troubling times, it’s important for you and your family to contact a provider you can trust.Select Insurance Group is your trusted St. Louis insurance agency—and we’re here to get you and your family the most effective, comprehensive and affordable Missouri health insurance you will need for the present and future. Feel free to check out our web page (www.selectinsuranceteam.com) or contact us directly today at 1-855-GET-SELECT! We’d love to answer your health insurance questions, and secure you the coverage you deserve!
Missouri is ranked 39th in the healthiest states to live in, so selecting the correct insurance is important so you do not get overwhelmed with bad rates and underwhelmed with bad coverage. Missouri, in comparison to other states, has low public health funding (ranked 45th) and has a high rate of preventable hospitalizations.
All states are currently having trouble with general health and insurance, and Missouri is no different. Because of the troubling times, it’s important for you and your family to contact a provider you can trust.Select Insurance Group is your trusted St. Louis insurance agency—and we’re here to get you and your family the most effective, comprehensive and affordable Missouri health insurance you will need for the present and future. Feel free to check out our web page (www.selectinsuranceteam.com) or contact us directly today at 1-855-GET-SELECT! We’d love to answer your health insurance questions, and secure you the coverage you deserve!
Subscribe to:
Posts (Atom)