Are deductibles and premiums the same thing?

No, they are not. The two are linked, but aren’t the same thing at all.

The size of your deductible has a noticeable impact on your premiums. The more risk that you are willing to assume the less risk the company takes which results in lower premiums. Be careful about raising your deductible though, you want to make sure you have enough money saved up to cover those costs if something should happen.

 

Tags: Same Thing, Thing

Wednesday, June 29th, 2011 Insurance Auto No Comments

Is it true that I don’t need to take a vision test when I renew my Connecticut license?

Yes, Connecticut has removed the law requiring vision tests on every other license renewal. Connecticut is now one of only nine states that do not require vision checks on license renewals.

 

Tags: License, Vision Test

Sunday, June 26th, 2011 Insurance Auto No Comments

The new continuous insurance ruling ensures road safety

The drivers need to compare car insurance quotes soon as the strict action of government will make it hard now for uninsured UK drivers to drive uninsured. The UK drivers can now drive only after taking insurance cover or else the new law will curb their uninsured car and put it in scrap.

The new legislation of UK government proves to be a big crackdown to combat uninsured driving in the country. The rise in uninsured driving is causing hike in insurance premium for past two years. With more number of insured drivers the average premium rate will also decrease making insurance cover reasonable for every driver in future.

Full post…

Tags: Insurance, Insurance Ruling

Friday, June 24th, 2011 Insurance Auto No Comments

What do I need to do to mail in a request for a replacement New York license?

To mail a replacement license request you must complete the following steps:

DMV License Production Bureau
P.O. Box 2688-ESP
Albany, NY 12220-0668

 

Tags: License, York License

Thursday, June 23rd, 2011 Insurance Auto No Comments

How To Protect Your Missionaries With Missionary Insurance

Missionaries also need insurance. Even more so because they have to go to places where sanitation is not according to world standards. If you want to travel overseas, anywhere at a moment’s notice, then you need missionary insurance.

As long as you are under 75 years old, the application process is pretty easy and quick. You will need to submit a detailed health history. But as a frequent traveler, this should already be in place.

US missionaries are always being called to remote areas of the world. They get exposed to all sorts of food, bugs, or rough terrain. Even the water may not be potable. These don’t matter much to missionaries, but it would help if they had missionary insurance. Protecting them will protect the mission.

Full post…

Tags: Insurance, Missionary Insurance

Thursday, June 23rd, 2011 Insurance News No Comments

If You Get a Cheap Car, Will your Auto Insurance be Cheaper or More Expensive?

Most people will go through a difficult financial period in their lives. If you’re going through this time now, then you’re probably doing everything you can to cut back on your spending and to make your overall cost of living much cheaper. One of the ways in which you’re probably hoping to save is by paying less for car insurance. Fortunately, there are many surefire ways to lower your car insurance rates or to open an affordable policy for a new vehicle, but you have to be aware of them if they are truly going to benefit you.

First of all, be aware that your automobile insurance provider does take into account your vehicle’s overall quality and value. In general, the less your car is worth financially, the lower you can expect your insurance premium to be. The rea

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Wednesday, June 22nd, 2011 Insurance Auto No Comments

Colitis in Cats and Dogs

A large proportion of the Embrace Pet Insurance gastrointestinal claims are classed as colitis, which means inflammation of the large intestine (aka colon).

What does colitis look like?

  • bloody or “slimy” diarrhea with mucus
  • abdominal pain
  • vomiting (especially in cats)
  • weight loss (especially in cats)
  • dehydration (especially if the diarrhea is very watery)
  • lethargy (tiredness)

Colitis is the result of a condition, not the cause of it, so when veterinarians are faced with a case of colitis, shell treat the cause as best she can, not just the symptoms.

For example, colitis caused by parasites such aswhipworms is treated with parasiticides, whereas colitis caused by eating something a dog shouldnt such as garbage is treated with antibiotics and a bland diet.

Heres a pretty typical simple case of undiagnosed colitis last month for an Airedale Terrier living in Chicago, IL:

The pet parent also took home 5 cans of prescription diet food, which was not covered by the illness policy but would have been covered by the Wellness Rewards Plus plan if it had been picked for the dogs policy (in this case it wasnt).

To learn more about Colitis, you can visit the Embrace Pet Health Center Colitis entry

Tags: Colitis, Colitis Cats

Tuesday, June 21st, 2011 Insurance News No Comments