Your car insurance rates are not just about the vehicle that you drive and if you have any tickets on your driving record. Your auto insurance rates are also about your lifestyle. Here are five surprising habits that your car insurance cares about. Staying At The Same Job For An Extended Period Of Time Your car insurance company actually cares about how long you have been at your current position. Insurance companies really like policy holders who have held the same job for more than a year.
Car insurance is one of the most important forms of protection that you can have because an accident can have lifelong financial consequences if you are without this protection. Sadly, there are many people that are not very knowledgeable about auto insurance, and this can cause them to make some potentially costly mistakes. However, if you understand the answers to the following questions, you should find yourself better able to ensure you are getting the most from this protection.
Many personal auto insurers now offer coverage for pet injuries. In some cases, this coverage is built into your collision coverage while in other cases, it needs to be added to your policy. If you travel frequently with your pets, you could benefit from this type of coverage. To ensure you get a policy that works for your lifestyle, here are a few questions to ask your agent first: 1. What types of pets are covered?
Having a home is a big responsibility. When you have a mortgage, you are responsible for carrying homeowners insurance. While you might think everything is covered under your policy, that isn't always the case. To make sure you aren't hit with a surprise repair bill, go through your policy to see if the following items are covered or not. Mold Damage With so many different species of mold in existence, it only makes sense that you have probably seen it at some point in time or another.
The factors used by auto insurance to determine premium rates can be baffling to the average motorist. For example, you have probably heard that your location (where you live) is one of these factors. On the surface, it may seem like your neighborhood should have nothing to do with your car insurance premiums. However, it may make much more sense if you consider that your neighborhood determines the following factors: