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Articles by Kade Phillips

• What Influences The Price Of Your Auto Insurance Policy?
  Your car insurance rates are determined by several factors, some of which may seem unrelated to the way you drive your vehicle. Insurers use a complex formula that takes these factors into account. Each is assigned a weight based on its usefulness in predicting insurance loss. Any change might result in an increase or decrease in your rates.
  Published 14Sep2011, viewed 96 times

• 6 Surefire Methods For Sending Your Auto Insurance Premiums Skyward
  Auto insurance rates seem to climb at every turn, but there are things that you can do to prevent a sudden upset in your premiums.
  Published 14Aug2011, viewed 71 times

• If Your Car Is Stolen, Are Your Personal Belongings Covered?
  Vehicle theft is a serious problem the roads, as over four-hundred vehicles are stolen every day in Canada. There are some precautions which you can take to alleviate much of the loss and inconvenience should this happen to you.
  Published 04Aug2011, viewed 133 times

• Fault Still Exists With No-Fault Car Insurance
  The name "no-fault" insurance often confuses motorists. No-fault insurance does not mean that drivers are never at fault in accidents. Someone is always found to be "at-fault" in a car accident, whether partly or fully.
  Published 25Apr2011, viewed 170 times

• Is It Time To Break Up With Your Auto Insurance Company?
  Many consumers wonder if they're getting good value for their insurance spend, and for good reason. With the annual rate increases we've become accustomed to; many people wonder if they're spending too much. Read on to learn the symptoms to look for, and how to proceed if you're overspending.
  Published 19Apr2011, viewed 126 times

• The Question Of Women And Gender Discrimination In Insurance
  With recent auto insurance ruling in Europe we can expect similar gender-based legal challenges in North America. Our system does attempt to be unbiased, but there are concerns that inrurance rates might favor the female gender.
  Published 29Apr2011, viewed 142 times

• Cars That Drive Themselves
  Anyone who has caught an episode of the Jetsons would probably agree that self-driven vehicles are pretty cool. Self-propelled vehicles are presently being tested, and we've taken the concept a long way from the drawing board.
  Published 07Mar2011, viewed 162 times

• 6 Ways To Catapult Your Auto Insurance Premiums
  The lower your car insurance rates, the better. As long as you have adequate coverage, you want to pay as little as possible, especially if you're on a limited budget. There's no shortage of advice regarding ways to minimize your premiums.
  Published 22Aug2010, viewed 163 times

• 4 Key Factors That Dictate Your Car Insurance Rates
  Auto insurers calculate their policyholders' rates based on a presumed level of risk of future claims. A driver who is likely to file a claim, or cause an accident where another party will file a claim, is insured with higher premiums. Conversely, a "low risk" motorist usually enjoys lower premiums. But what factors cause one driver to be placed in a higher risk category than another? More importantly, can you influence these factors?
  Published 30Jul2010, viewed 185 times

• Can A Low Credit Score Lead To Higher Car Insurance Rates?
  Suppose your FICO score is 600. While this isn't subprime territory, it is low enough that your borrowing costs will rise through higher interest rates. The question is, can your score's influence on your life extend beyond mortgage loans, lines of credit, and other sources of consumer financing. The answer, at least in the context of your car insurance rates, is yes.
  Published 05Aug2010, viewed 589 times

• How Your Credit Influences Your Car Insurance Rates
  Having car insurance is a necessity in order to legally operate your vehicle. There are many personal factors that insurance carriers use to determine your insurance premium and your credit score and history is certainly used as a tool to measure this. It is essential to compare auto insurance quotes to ensure you are receiving the best possible rate from a respectable insurance provider.
  Published 03May2010, viewed 328 times

• 6 Items Your Home Insurance Policy Might Not Cover
  Many people surprised when they discover that their home insurance policy lists several exclusions for which the insurer refuses to pay. Although every insurer treats exclusions differently, but its worth noting that exclusions usually exist. We'll take a look at the top 6 most common home insurance exclusions.
  Published 27Mar2010, viewed 205 times

• How To Maximize Your Auto Insurance Policy's Value
  Automobile insurance is a mandatory element of driving. It offers monetary protection in the event of a court judgment. It also pays for your medical costs if you are wounded by an uninsured or underinsured motorist. And naturally, driving without automobile insurance is not legal in all provinces. Having said that, while almost each motorist has coverage, many folks are paying too much in exchange for too little.
  Published 04Mar2010, viewed 241 times

• Term Life Versus Whole Life Insurance: Which Is Better?
  Term life insurance and whole life insurance are quite popular insurance products. They both have advantages and distinctions that make them the right choice for some. Depending on your unique situation one might be a better choice for you. Learn the advantages of each type of life insurane, and why life insurance is such a popular financial product.
  Published 07Mar2010, viewed 279 times

• Updating Your Car Insurance Coverage To Reflect Vehicle Upgrades
  Your auto insurance company figures out your rates based on the value of your car and a risk class to which you are allotted as a driver. Any alteration you make to your auto, wagon, or SUV influences this formula.
  Published 04Mar2010, viewed 264 times

• Pros And Cons Of Paying Your Car Insurance Monthly
  Most insurers will allow you to pay your auto insurance premiums outright for the year, or make 12 monthly payments. Here we'll weigh in on this hot topic and offer up some financial considerations for motorists to consider.
  Published 24Feb2010, viewed 251 times

• How Your Weight Affects Your Life Insurance
  How does your weight affect life insurance rates? What do insurance companies consider when calculating life insurance premiums? Weight is by far one of the biggest factors when it comes to life insurance, since it impact your health, indicates fitness level, and probability of various chronic illnesses.
  Published 05Feb2010, viewed 261 times

• Best and Worst Drivers - Men, Women, Teens, and Seniors
  Which group are better or worse drivers: Men, women, teens or seniors? It's actually not a simple question. A good answer requires much more than just looking at simply the number of tickets and accidents one group gets over another.
  Published 13Feb2010, viewed 347 times

• Car Insurance 101 For Teenage Drivers And Their Parents
  If your teenage son or daughter is getting their driver's license soon, undoubtedly, as a parent, you're going to be concerned about several things: Not only is there a new threat to their safety on the horizon, but teen auto insurance rates are often twice that of drivers over 25. However, there are things that you and your teen can do, to ultimately lower the cost of coverage.
  Published 12Dec2009, viewed 299 times

• Credit Scores And Your Auto Insurance Rates
  Car insurance companies are known to pay attention to your credit history because they believe that there is a significant correlation between people with good driving habits as well as a good credit history. A person with a poor credit rating can often be asked to pay double what a person with a good credit rating pays for similar car insurance.
  Published 08Aug2009, viewed 629 times

• The Financial Crisis and Your Auto Insurer
  At the time of writing (March 2009), the financial news has been especially bleak for months. Talk of financial collapse, government bailouts, stimulus packages and job losses in the hundreds of thousands constantly in the news. Quite upsetting and nasty stuff to keep hearing about day after day. Many people are even wondering if their car insurance would stand the test of a claim. The following article speaks to some of those concerns.
  Published 31Mar2009, viewed 232 times

• Smoker? Ex Smoker? How Smoking Can Affect Your Life Insurance Premiums
  Just like everyone else, smokers and ex smokers can have spouses, children, other family members and other loved ones. And, just like most everyone else, they also need life insurance. Of course, everyone knows by now that smoking is bad for you. But, if you are or have been a smoker, you should know that there are life insurance options out there specifically for you, and there are various life insurance companies competing for your business.
  Published 24Jan2009, viewed 512 times

• Driving Under The Influence And Car Insurance Don't Mix
  Every holiday season, we hear and read stories about car accidents where alcohol was the cause. Lives ruined and people struggling with to cope with the aftermath. "Just don't do it" as the saying goes. But, if you've already been caught "Driving Under the Influence", find out what it's likely going to mean to your auto insurance rates and what you're probably going to have to do to get car insurance again.
  Published 27Nov2008, viewed 531 times

• Car Insurance and Moving House - Things to Consider
  Few of us live in the same location through the course of our lives. Every so often, for one reason or another, most of us have to to re locate. Discover how a house move can affect your car insurance rates and what you may be able to do to lessen the chances of a rate increase.
  Published 11Oct2008, viewed 1673 times

• Uninsured/Underinsured Motorist Coverage For Motorcycle Riders in the United States
  If you're a motorcycle enthusiast, you owe it to yourself, to explore the stopic of uninsured and/or underinsured motorist coverage, because it's quite surprising how many underinsured and uninsured motorists are out and about on our roads and highways. You need to know how to protect yourself from this menace.
  Published 23Aug2008, viewed 384 times

• The 3 things you really must do to get better gas mileage
  Almost every other day someone else comes out with a new "top ten ways to save on gasoline" article. Unfortunately, there's rarely anything new in those articles, and most of the tips save so little gas that they're hardly worth implementing unless you're a fanatic. Here are the 3 gas savings tips that you absolutely must implement, if you want to get the bulk of the fuel savings possible.
  Published 18Jul2008, viewed 306 times

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