Call TN Insurance Depot or visit our website on a fast quote for commercial insurance in TN ...read more
By TN Insurance Depot March 05, 2010
Auto Insurance Quotesvisit our website You Need Car Insurance! Did you know there is a car accident in the United States every five seconds? That means a dozen times a minute, someone is slamming on their brakes just a second too late to stop the worst from happening. This is why car insurance is so important. Consider the following: Auto Insurance protects a major investment – your car. If you are found at fault in an auto accident, car insurance will protect you from financial loss. Most states REQUIRE some level of car insurance, with stiff penalties in place if you do not comply – ranging from heavy fines to jail time. Sadly, nearly 14% of drivers are currently uninsured. Luckily, uninsured/underinsured auto insurance coverage protects you and your family if you are in a car accident and injury occurs, even if the other driver does not have insurance. Shop Smart; Multiple Quotes Save You Money Not only do auto insurance rates vary wildly by company, but also so does coverage. How do you know what you need and what each company offers? Here is a fast break down of common auto insurance terms to help you choose the best policy. Liability insurance– This is the minimum insurance policy required by your state, and protects you if you are at fault in an accident, whether injury or property damages occurs. Collision insurance– This offers greater protection than the minimum, and will pay for damage that happens to your car if you are responsible for the damage. Uninsured/Under-insured Motorist coverage– Some people do not have auto insurance, and this can cost you serious financial loss if you get into an accident with a non-insured person. This policy covers you in the case of such an accident. Comprehensive coverage– pays for damage to your car that is unrelated to a collision,such as theft, storm damage,fire or vandalism. ...read more
By TN Insurance Depot March 05, 2010
Life Insurance by Tennessee Insurance DepotVisit our website here Protect Your Family: Get Life Multiple Life Insurance Quotes Today You know you want your family taken care of, and you know life insurance is the best way to do that. But how do make sure your family has what it needs in the future without paying too much today? Benefits of Life Insurance No one wants to consider needing life insurance. In a perfect world, on of us would ever have to. However, if you have a family that depends on you or your spouse, the best way to help them cope with the worst is the have a solid life insurance policy that will keep them from struggling financially after a tragic loss. Life insurance offers financial security in the worst of times. It can help replace lost income, help provide burial and estate expenses, and pay off debt such as a mortgage, car loans, other outstanding loans, medical expenses, college, and any other sort of financial need. Term Life Insurance This is the most commonly known form of life insurance.Term Life Insurancecovers you for a specific period of years, usually with a monthly, bi-annually, or annual premium. If you are still alive beyond the term of the policy, it simply expires. This is a simple policy to set up, usually is inexpensive, and is very popular. It also has no cash value. Whole Life Insurance This policy has multiple benefits: besides offering security to your family, it also builds a cash value account. The insurance company manages this account for you, and you can choose either receive dividends, reinvest the money to reduce the costs of your premiums, or if needed withdraw money from the account. Variable Life Insurance There are unique components in selecting a Variable Life Insurance policy. This type of policy offers permanent coverage and account flexibility for someone who is a higher risk taker pertaining to their finances. The benefit paid when you die is not a set amount. The death benefit would vary depending on how well the money increased in value based upon the investments made. It is important to remember that you can borrow money from this policy during your lifetime. Universal Life Insurance ...read more
By TN Insurance Depot March 05, 2010
People are always looking for ways to invest their money. Investing in bonds can be a wise investment choice. However, if you invest in the wrong bonds, it can be a bad investment decision. That is why it is extremely important that you get as much information on any bonds that you plan on investing in. ...read more
It is never too early to start teaching children the importance of money and how to invest it. Investing teaches children responsibility and provides them with a solid foundation in regards to money management. There are several ways to introduce children into the investment world. ...read more