• 3 Things To Consider Before Choosing Your Auto Insurance Deductible

    Auto insurance (such as is provided by Colling Insurance Services, Inc) is supposed to give you a peace of mind financially. However, the stress of paying your deductible could give you a huge migraine should you be involved in an accident. That's why it is important to consider all angles when choosing your deductible. Here are some things you should consider before making this choice.  1. Can You Afford It? This is different for each person, but you should ask yourself if you can afford the deductible you are considering.

  • Hints For Buying Homeowner's Insurance

    Insurance companies are in business to make a profit, but they can't put their financial interests above yours—you pay premiums so you're covered when you need it. If you're a homeowner, insurance coverage can be a valuable asset, but there are things you need to know for you to be at an advantage. Buying Adequate Coverage When it comes to buying enough homeowner's insurance, your home's market value isn't what counts.

  • Reducing Your Risk Of Rollover Accidents

    Rollovers make up a small percentage of the total number of automotive accidents, but they account for nearly a third of auto-related fatalities. The danger of rollovers is intensified by the common occurrence of ejections as well. Since rollover accidents are such a safety concern, it's important that you are aware of the risks and the best ways to protect yourself and your auto insurance. Assessing Your Rollover Risk Although no vehicle is exempt from rollover risk, there are some vehicle designs that are at a greater risk than others.

  • Incorporating An Insurance Preservation Trust In Your Estate Planning Process

    An insurance preservation trust is an irrevocable trust, formed with the insured's life insurance policy as the asset. It's a viable estate planning option because policy proceeds aren't taxable. Overview With an insurance preservation trust, the insured gives ownership of his or her policy to the trust. In return, the trust monitors the policy and makes premium payments. When the insured dies, the trust gets the proceeds and distributes according to the trust agreement.

  • How Can You Save Money On Auto Insurance?

    There are several options available when you need to find auto insurance. The insurance coverage you choose will largely depend upon your individual needs and the amount you can afford to pay in premiums. Different factors must be considered in the purchase of auto insurance. Buying auto insurance When choosing an auto insurance policy, you must purchase a policy that meets the your state's minimum requirements. Insurance companies in each state are aware of that state's particular insurance laws and will design your auto policy around the basic requirements.