The best companies will also have several supplemental coverage options, or endorsements, that you can add to your homeowners policy. Endorsements can vary, as some provide higher coverage limits for certain types of personal property like jewelry or fine furs; or they can provide supplemental coverage for risks — like water backups, floods, or earthquakes — not covered by home insurance.
Vehicles loaded with safety features that tend to be driven by parents or other fairly responsible drivers make up the majority of our least expensive list. “Safety features such as airbags, lane departure, back-up cameras and automatic restraint systems all factor into insurance rates. If these technologies are found to reduce the risk of an accident, it may result in lower premiums for policyholders whose vehicles are equipped with these safety features.” says Michael Barry, spokesperson for the media and public affairs division of the Insurance Information Institute.
When it comes to rate-saving opportunities, Allstate is in a league all by itself. Featuring an industry-leading stable of discounts, Allstate makes it easy to get a good deal on your coverage. For example, if you bundle your home and auto policies with Allstate, you can save up to 25%. If you haven’t filed a recent claim, you can save up to 20% with Allstate.
Regardless of the type of car you drive or where you drive it, by owning and operating a vehicle and driving it on public roads, your car is vulnerable to all types of losses and damages, both to yourself and to others on the road and their property. Though you’re probably most concerned with accidents, your vehicle can also be damaged by acts of weather such as falling tree limbs or monster-sized hail, vandalism or even invaded by creepy crawlers, especially if you park outside or on the street.
"Many companies offer discounts for good grades and for completion of an approved driver’s education or defensive driving course," continued Doreen Haughton-James of 123 Drive! Driving Academy. "Some also have their own discount programs. State Farm, for example, has a program called 'Steer Clear' where students receive discounts for logging driving hours and completing a program."
With Travelers green home coverage endorsement, you get additional protection that will repair, replace, or rebuild your home with designated “green materials” after a covered loss. Additionally, Travelers offers a green home discount which lets you save up to 5% if your home is certified “green” by the Leadership in Energy and Environmental Design (LEED) U.S. Green Building Council, a green energy ratings and verification company.
We analyzed premiums for a variety of policies and customer profiles to determine the average cost of life insurance across a number of different policy durations. The largest influencing factors on life insurance rates are the health of the individual being insured and their age. Factors such as whether or not you smoke, and what your height-to-weight ratio are also go a long way towards determining your annual life insurance policy quotes. Individuals that smoke often pay three times the amount that similar non-smokers will have to pay in premiums. Of course, life insurance companies will look at many other factors besides health (such as your occupation and age) but factors common in pricing other insurance products, like state of residence, are often not contributing factors.
The amount of coverage required by law varies from state to state. If you are a cautious person, you might opt for a more expensive policy with better coverage. If you have a lot of assets, experts recommend that you get enough liability coverage to protect them; otherwise, the other party involved in an accident could sue and attempt to collect on those assets.
Comprehensive car insurance covers damages from an "act of God," or events that are not caused by a car driving into something else. An "act of God" can include things like damage from a heavy tree branch falling on your car. Since you have no control over when or why a tree branch would fall on your car, this kind of accident would be covered under your comprehensive policy.