No one wants to consider becoming disabled, but what would you do if a catastrophic injury or illness prevented you from working? Disability insurance kicks in after 90 days and would pay you up to 60 percent of your annual salary. As you consider buying this valuable coverage, remember seven important things.
Disability insurance is a valuable asset. Use these seven tips and talk to your insurance agent as you decide if it's right for you.
As many as one in five homes are invaded annually in the United States. One tool thieves use is lock bumping. They use a bump or rapping key to unlock pin tumbler locks and gain access to your home. Learn about lock bumping as you take steps to secure your home and peace of mind.
How Lock Bumping Works
Typically, you can only open a door with a key that's specific to that lock. The key's design aligns with the lock, pushes the pins into place above the shear line and unlocks the door. A bump key is designed to also unlock a door except the thief inserts it into the keyhole and taps the key with a screwdriver or hammer. The bumping pushes the pins in the lock above the shear line and pops the lock.
Thieves can easily learn how to make a bump key thanks to numerous online how-to videos and instructions. With a collection of 10 different bump keys, they can open 90 percent of the doors in the U.S., and the entire process takes a few seconds. Tips That Protect Your Home From Lock Bumping
Protect your home and prevent lock bumping with several steps.
Your home's security and peace of mind are vital. Understand and prevent lock bumping as you protect your home and family.
A timeshare is one way to vacation in style since it gives you access to your favorite vacation destination. When you purchase a timeshare, you can choose from three different types - deeded ownership, right to use and points. Before you embark on your next trip, make sure you purchase adequate timeshare insurance.
The timeshare you choose determines the type of insurance you need. With all three choices, review your contract carefully to find out what's covered. Then talk to your insurance agent as you purchase the right timeshare insurance for your needs.
How old's your car? To save money, you may prefer to invest in older model cars. The insurance costs could take away any financial benefit, though, so understand if it's cheaper to insure an old or new car.
Drop Comprehensive Coverage
Older cars depreciate in value. Find your car's value in Kelly Blue Book or Edmonds then check your insurance policy. If you're paying more for your comprehensive coverage than the car is worth, drop it and save money.
Your Age Matters
If you're a young or senior drivers, be prepared to pay higher auto insurance rates because statistically drivers in these age groups have a high risk of accidents. On average, middle age drivers enjoy the lowest insurance rates.
Check Out the Safety Features
The safety features on your vehicle can lower your insurance rates since they reduce accidents. Older cars without safety features such as automatic brakes and back-up cameras may be more expensive to insure.
The way you drive can actually influence your auto insurance rates more than your car's age. Maintain a clean driving record to get the best rates.
Know Other Factors that Determine Insurance Rates
Your car's safety features, your age and your driving record impact your insurance rates. Other factors can affect your policy's costs, too. Those factors include:
How to Lower Your Rates
You increase your chances of earning low insurance rates when you take several steps.
While the age of your car does affect your car insurance rates, other factors also determine the amount of insurance premiums you pay. For more details, talk to your insurance agent. He or she can also suggest additional steps you can take to lower your rates and get the insurance coverage you need.