You may design your dream house as freely and creatively as you want when you live alone. You can also do whatever your heart pleases when you only have adults living with you in a house. But everything changes once you have a child in the household. More often than not, childproofing can even decide how your new house will new look. Here are some tips how to make childproofing easy breezy.
Getting a commercial auto policy for all the vehicles that your company uses is more than just a business requirement. A commercial auto policy protects your business in a long-term basis as accidents are common on the road. Apart from your investments, you also need to keep your employees in mind as they enter the risk of everyday business operations.
With mother nature wreaking havoc in the US, more people are setting up contractor scams to try and take advantage of people in need. These contractors pose as professionals to make money off of poor home improvements and construction work.
Car insurance is one of those necessary bills to pay, but that doesn’t mean that you can’t take measures to reduce its cost. While there are a few ways to reduce your monthly premium, one of the fastest ways to do it is to increase your insurance deductible. But this can be a tricky thing.
Before you choose your deductible, you should think about exactly how much you can save on your insurance rates and whether or not you are financially prepared to part with your money if a claim needs to be made.
Here are some tips to help you choose your deductible.
Choose a Deductible You Can Live With
Regardless of what you can actually financially afford, you should choose a deductible that you are physiologically and emotionally prepared to live with. Some people may choose a higher deductible to lower their premiums, but then find it tough to part with their cash once a claim is made and a deductible needs to be paid.
Using a high deductible to save money on premiums is best if you’re a clean driver with a reduced chance of having to make a claim in the near future. Of course, anything can happen, but it’s a chance you must be willing to take.
Do the Math on Your Deductible
On a car insurance Van Nuys policy, you’re not always going to save much on premiums with a higher deductible. If your car insurance premiums are high, you should first think about increasing the deductible on collision coverage. By taking control over your driving habits, you can effectively lower the odds of an accident. As opposed to a high deductible for comprehensive coverage that pays for damage from theft and disasters, accidents are simpler to avoid through your own actions.
How much you are able to save with a more expensive collision deductible will depend on factors such as your age. Older drivers with a clean driving record might save between $20 to $30 a year on premiums by increasing the deductible while younger drivers may be able to save as much as $250 to $300.
Did you know California has two-thirds of the nation’s earthquake risk? Is your home prepared?