Insurance
Company ratings:
Look for A+ or better
www.ambest.com - A.M. Best - Rate your company
www.standardand poors.com - Standard & Poors - Rate your company
www.moodys.com - Moody's - Rate your company
Get a quote:
Look for A+ or better
accuquote.com - get quotes
answerfinancial.com - Strong in educational content
www.bestquote.com - get quotes
www.directquote.com - get quotes
www.ehealthinsurance.com - quotes and info
www.healthaxis.com - quotes and info
www.iiaa.org - quotes and info
www.insweb.com - large number of automobile quotes
www.quotesmith.com - 800-431-1147
www.quickquote.com - quotes and info
"The 5 Best Life Insurance Policies" - 800-472-5800
To order list of five best policies for your age and sex. The cost is $50.
Select Quote Insurance Services - 800-699-9310
Master Quote of America - 800-337-5433
General information:
www.insure.com - consumer insurance guide
National Insurance Consumer Hotline - 800-942-4242
This service, offered by the Insurance Information Institute, responds to consumer questions about all kinds of insurance.
Car insurance:
Three best rate companies (Consumer Reports)
1. Amica (Will only take you if you have no tickets or accidents)
2. USAA (open to Military personnel, dependants and former USAA members.)
3. Cincinnati Insurance
Always have liability insurance. If your annual premiums for collision and comprehensive coverage exceed 10% of the value of your car, consider dropping them. If you have an older car that is worth very little, it may not make sense to carry collision coverage.
When it comes to diminished value, the owner's claim is the difference between the value of the car before the accident and after the accident. If the car is repaired but the value after repairs is less than it was before the accident, that decrease is a valid facet of the owner's claim. The insurance company must pay that decrease to obtain a full release for its policyholder. The diminished value is typically negotiated between the auto owner and the insurance company, But if litigation is initiated, it will be determined by a judge or jury.
Mortgage Insurance:
FHA/HUD - 703-235-8117
Call if you overpaid your mortgage insurance.
Medical insurance:
Health Care Fraud Squad (FBI) - 404-679-9000
In general, be sure the premium is stable, that benefits accelerate at the same rate as inflation, and that the policy spells out "in-home" as well as out-of-home care.
Long Term Care insurance:
www.prepsmart.com - Buying tips
Life insurance:
EvaluateLifeInsurance.org - Estimates "true" investment returns on any cash value life insurance policy (the typical cost is between $70-80)
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