Posted on January 29, 2008 in Insurance Note by adminComments Off

With every change in life you face, make sure to ask yourself, “Am I protected?”. One major focus on this website is to help people, like you and me, maintain financial stability. One way is to help customers save more on insurance costs, hence “”, and the other way is to make sure the insurance we choose properly protects us from any financial hardship that being uninsured/underinsured can cause. We must remember, Insurance is like our “body armor” to our setbacks in life.


Example Setback:


Your son or daughter has been accepted to college. Your thrilled for their success and cosign for them to get a studio apartment just a couple blocks away from the school. One Saturday night comes along and what time is it? Party time. The party gets a little out of control, a fight breaks out and someone’s kid catches a right hook. This puts the kid in the hospital for months. The student must of fell off the balcony or something. A lawsuit follows. Being the parent and the cosigner of the apartment, you find yourself being sued for 80,000. How prepared were you for this battle.


There are going to be many times in life where it may be wise to determine whether an additional insurance policy is something to look into. Whether you buy a new car, an above ground pool, a collection of rare art or even a territorial dog take a minute and weigh out the risks. Depending on the risk, you may want to consider enrolling into an insurance coverage to protect you financially.

Posted on January 26, 2008 in Auto Insurance by adminComments Off

One of the biggest concerns with classic car owners is getting the correct amount in return for claims made.  For example if you own a 68 camaro, you may find the book value on the car to be extremely lower than its real value.  These days, its hard to find a nice 68 camaro under $20,000.  In the event of an accident, it’s important to the owner to get the true value back from the insurance company..

.The solution to this is to request an optional coverage known as stated-amount coverage.  What you do is take pictures of the interior and exterior of the car.  Send the pictures as well as a market value appraisal, ordered from a trusted appraiser, to your insurance provider.  Your camaro will then be listed on the policy for the true value and so will your premium.  It may be wise to re-appraise the car every 6 months to make sure your classic is listed correctly on the policy.  The value of cars like this are continually rising and for something like this, you want to be properly covered.

Posted on January 22, 2008 in Auto Insurance by adminComments Off

After an accident, your vehicle may need to be repaired. Here are some things you need to know:


Check your deductible.  If the damage to your vehicle is’nt major, it may be less than your deductible. For example, if your bumper needs to be repaired and is estimated to cost $199, and you have a $500 deductible, you will be responsible for the entire amount of $199. The insurance company will cover any repairs after the initial deductible has been paid. If you have a $500 deductible and the damage exeeds that amount, for example the repair estimate is $1050, you would pay the first $500 and the insurance would take care of the remaining $550.


The insurance company will assign an adjuster to estimate the damage to the car and how much the company will pay to have it fixed. It may also be wise to get a few quotes from other body repair shops for estimate comparisons. The final choice of repair shop is yours. You may want to use a repair shop the insurance company chooses. If you choose a different one, be aware you may have to pay the difference if your body shop’s estimate is higher than the insurance company’s, unless the additional costs can be justified and agreed upon.  The first company may not notice something that needs repair that your company may have picked up on it.  With car parts, it sometimes can get tricky.  If you choose to put a brand new part on an older car instead of a salvaged or remanufactured part, you may have to pay the difference in cost.  If your car is brand new, you may find yourself fighting with the insurance company to make sure they understand the insurance was covering a new car which means you should be entitled to new replacement parts.

Posted on January 15, 2008 in Health Insurance by adminComments Off

There are a few ways to find low cost health insurance. One way is to apply online for a multiple rate quote. Click health insurance quote to begin a multiple rate quote with us today. The good thing about multiple rate quotes is it creates competition which results in lower rates. For low income families there are programs within Connecticut that will nearly pay all your health insurance premiums and visits.

1st option (Husky A): See Chart for Income Guidelines

The first option shown provides health care for kids under the age of 19 and their parents or caretaker who lives with the child or children.

2nd option: See Chart for Income Guidelines

This option provides free health care for pregnant women. Just as an FYI, the unborn child is also counted as a family member. Refer to the chart above for income requirements.

3rd Option (Husky B): See Chart for Income Requirements:

This option provides health care for children under the age of 19. Some co-payments will apply but most likely will be low. Call the number below for current rates and additional information.

4th Option (Husky B): See Chart for Income Requirements:

This option provides health care for children 19 years of age and under. The current monthly premium is $30 for the first child with a maximum monthly premium of $50. Regardless of the number of children, some co-pays will apply. Call the number below for more information if you qualify.

5th Option (Husky B): See Chart for Income Requirements:

Option provides health care for children under 19. This policy includes a group premium rate currently ranging from $158 to $230 monthly per child. Policy will include some co-payments.

For more information on all programs listed contact Husky at:
1-877-CT-HUSKY (1-877-284-8759) to:

Posted on January 12, 2008 in Auto Insurance by adminComments Off

If your an owner of a high performance car, auto insurance rates can get extremely high. This goes especially for people who see an open road and push the car’s performance up a notch. One way to make sure your on the right path to an affordable auto insurance is by comparing rates.

Compare Insurance Quotes and Save

One car I owned in my early 20s was a turbo charged eagle talon. Being a pretty fast car, the performace could never compare to that of a Corvette. My insurance rates, however, felt like it should have. My rates were through the roof. Fully covered with one accident and two tickets still dwindling on my record from a couple years ago, I was shelling out roughly $400 a month. This was my major financial OUCH. I eventually got myself into the position where I could pay off the rest of my car loan and change my coverage from “full coverage” to “liability only”. This took my payment down from $400 a month to $67 a month. I cannot imagine the coverage cost if It was a Corvette I was cruising. The insurance costs will increases with the increase of risk.

Take that Chevrolet Corvette I mentioned. A well known example of American Muscle. Auto enthusiasts nationwide have much respect for this top sports car for it’s beautiful design and it’s high perfomance. When insurance agents are placed in the position to cover a policy on this car they see something totally different, a dangerous car that reaches top speeds faster than many people can handle. The risk of crashing isn’t all there is for the provider to be concerned with. The Corvette also attracts it’s share of car theft, vandalism (”haters”) and the high cost of repair in the event of an accident. Avoiding tickets will be another battle a driver must concour. With all the performance within the drivers reach, for some it will take a lot of patience and self control to be behind the wheel of a high perfomance Corvette. When looking for insurance make sure to take advantage of every discount you possible can. Merging homeowner’s and auto insurance together is one good step to take. Another is to be a responsible driver and avoid traffic violations, ask the agent you choose if there are any discounts availabe within your reach and make sure to shop around for quotes. Quote comparisons are a great way to save.
Corvette Video - Push Play

Above is a video I felt would make a great addition to this article. This may play as a good example of how an insurance provider views a
high performance ride like this.

Posted on January 9, 2008 in Health Insurance by adminComments Off

It’s good to know Colorado families have a variety of options for low cost family health insurance. is an online source to find low cost health insurance either through multiple rate quotes or health insurance programs available. For the lowest traditional family health insurance rates compare insurance quotes today.


Begin a quote


For child or pregnant adult health insurance needs CHP+ is a program worth looking into. Child Health Plan Plus (CHP+) is a low-cost health insurance program for uninsured children ages 18 and under and pregnant adults. Currently CHP+ is providing insurance for over 57,000 children and 1,400 Pregnant women. If your interested in seeing if you qualify for answer the following questions to see if you or your child may be eligible for the CHP+ or the CHP+ prenatal care program.


1. Is there any children or a pregnant adult in need of health care in the family?
2. Add up the number of children + any unborn baby + number of parents or guardians that live in your home.
3. Is your family’s gross income near the amount in the chart below according to your family size from question 2?

It is important to note that child and elder care expenses, medical expenses, child support and alimony payments, can be deducted from your gross income. so your income can be above the amount and you may still be elible for the CHP+ Program.


4. Are the applying children and/or pregnant adult, US citizens?
If not, Have they had an alien registration number for at least five years?


For more information visit our directory of low income health insurance resources here.

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