By Dan 
Insurance is one of those odd things that revolve around regret; some regret having it if they never use it, but everyone regrets not having it when they need it. Many people shudder at the thought of paying to prevent an event that may not necessarily happen, but the cost of going without insurance is sure to surpass the monthly fees. Many companies are offering free insurance quotes with experts standing by to help teach newcomers how to get insurance coverage that is right for their lives.
Renter and Homeowner Insurance
For all of the money that people invest into their homes, you would think that nearly everyone would want to cover their possessions from the elements. Most renter or homeowner insurance services cover hail, tornado, and wind damage; this means that flood and earthquake damage is typically handled under additional coverage charges. Nearly half of homeowners prepared an inventory of their most precious possessions to help document losses in the case of damage. In 2012 up to 7.2% of insured homes had an insurance claim. Call an insurance company today for free insurance quotes on homeowner and renter policies.
Car Insurance Rates
While renter and homeowner insurance is typically optional, it is illegal in the United States to drive uninsured for liability reasons. Car insurance rates vary based on a number of factors. Young males between the ages of 16 and 25 have some of the highest rates due to a lack of experience; every serious offense you receive behind the wheel will usually increase your insurance rates. Some companies offer discounts to safe drivers; drivers of hybrid vehicles are shown to be involved in less accidents, so some companies offer discounts to these drivers. Insurance is a must, but insurance companies have developed a number of tools to help drivers and homeowners compare prices with free insurance quotes. Don’t get caught uninsured; keep all of your bases covered with a customized insurance policy.