insurance – MyNewsFit https://mynewsfit.com Trending News Updates! Thu, 22 Feb 2024 07:14:06 +0000 en-US hourly 1 https://wordpress.org/?v=6.4.5 https://mynewsfit.com/wp-content/uploads/2023/11/cropped-mynewsfit-32x32.png insurance – MyNewsFit https://mynewsfit.com 32 32 Safety Tips and Financial Advice for a New Driver https://mynewsfit.com/safety-tips-and-financial-advice-for-a-new-driver/ https://mynewsfit.com/safety-tips-and-financial-advice-for-a-new-driver/#respond Tue, 15 Aug 2023 16:04:47 +0000 https://mynewsfit.com/?p=134991 Learning how to drive is a huge moment during adolescence, and it’s also an enormous responsibility. Not every teenager is ready to drive right at 15 or 16, and that’s okay. Those who do take the wheel and learn how to drive have a lot of things to think about once they get their license.  […]

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Learning how to drive is a huge moment during adolescence, and it’s also an enormous responsibility. Not every teenager is ready to drive right at 15 or 16, and that’s okay. Those who do take the wheel and learn how to drive have a lot of things to think about once they get their license. 

This can range from the expenses of insurance and gasoline, to whether you are driving a car that makes it easy to adjust to the road. Parents can also help out during this time by researching when to add a teen driver to insurance policies and paying for a quality driving school enrollment. 

Let’s discuss all of the things that make it easier for new drivers to stay safe and save money when they start driving. 

#1 – Get a Safe Car

Vulnerable drivers like teens and seniors need cars that are simple, yet effective on the road. This means buying something that is compact and handles well. Buying a small car usually helps with these things. Big trucks and SUVs are hard to drive when you are inexperienced. 

As far as safety goes, it’s important to buy teens a car that has lane assist and backup cameras. These added safety features and new technology aids drivers of all ages, but young drivers sometimes need that little something extra to keep them safe. 

It’s also been proven that young drivers get distracted by having passengers in the vehicle. If you force young drivers to ride around in a smaller vehicle with minimum room for other people, there’s less of a chance they will get in an accident. Buying a big SUV for a new driver means they will sometimes bring too many friends along with them. 

Brands that have high safety standards include Subaru and Honda. The Subaru Legacy is one of the smaller vehicles the company makes and it routinely ranks highly in safety ratings around the world. Getting a safe car also decreases the insurance rates you have to pay for your teen driver. 

You could also consider buying your teen an electric car or a hybrid. These are expensive vehicles, but they save you a ton of money on gasoline in the long run. Tesla is the most popular electric car on the market right now. 

#2 – Go to Driving School

One of the first steps in becoming a better driver, whether you are new or experienced, is to go to driving school. This is an expensive necessity, but one that will help with teaching the basics of the road. Driving school teaches you how to do more than just turn a steering wheel and look out for pedestrians, though. 

Instructors teach things like parallel parking, getting around a parking lot, and handling road rage. The last thing on that list is an especially important thing to get under control at a young age. Angry driving leads to accidents and violence. 

Many people feel more powerful when they are in a car and they do things they normally wouldn’t. It’s vital for teen drivers to ignore the stupid things others do on the road and keep their cool. 

Some public schools still teach driver’s education in the classroom, and it’s important for parents to learn whether their child’s school does. If they don’t, look for the best deals on private classes in your area. 

Parents can still give their children tips and driving lessons, but they should be in conjunction with professional instruction. Practicing the things you learn in driving school at home is the best way to improve your skills and get better at things that young drivers struggle with. 

#3 – Get Good Grades

This tip is completely financially motivated. Insurance for new drivers is very expensive, and parents are usually the ones who have to figure out how to fit their new driver onto their insurance for an affordable price. This is difficult as insurance companies charge high premiums for inexperienced drivers so they can offset the risk of potential accidents.

The main way that young drivers can get insurance discounts (besides keeping a clean driving record) is to get excellent grades in school. Many insurance companies view good students as being responsible and more likely to take precautions behind the wheel. 

Whether this is fair to bad students is up for debate, but all parents should show their child’s good grades to their insurance agent. A GPA of over 3.5 is usually what it takes to save a good chunk of money on a teenager’s auto insurance. Some insurance companies will give you up to 15% off a teen’s policy. 

#4 – Get Lots of Rest

Young drivers are some of the busiest people on the planet. High school students have to think about doing well in school, participating in clubs and extracurricular activities, and playing sports after school every day. 

Sleep can be hard to come by at this age. It’s very unfortunate because driving requires the utmost attention, and getting proper rest helps this happen. Both teens and parents need to make sure that a proper sleep schedule is created before young drivers hit the road each morning. 

If you feel tired while you are driving, always pull over and try to get yourself more alert. Turn on some cold air or blast a little bit of music. Or better yet, just don’t go on the road when you know you are feeling exhausted. 

#5 – Wait on Insurance Until After Your License Is Granted

You actually don’t need to get auto insurance until you have your driver’s license fully granted to you. Young drivers who have their learner’s permit don’t need insurance yet, as they can usually use their parents’ policy until they have finished learning how to drive. This could save you money for a few extra months, and every little bit counts. 

Learning how to drive requires young people to be responsible and it makes them think about how to stay safe and avoid danger. There are a lot of factors that help make this learning process easier, from the car being driven to the insurance policies that young people get after they receive their license. 

As long as everyone around the teen driver is helpful, and the teen driver wants to become the best driver they can be, the process should go smoothly. 

Shawn Laib writes and researches for the auto insurance comparison site, QuoteInspector.com. He wants to help young drivers and their families stay safe on the road. 

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Short-Term vs. Long-Term Renters: Which is better for your home? https://mynewsfit.com/short-term-vs-long-term-renters-which-is-better-for-your-home/ https://mynewsfit.com/short-term-vs-long-term-renters-which-is-better-for-your-home/#respond Tue, 15 Aug 2023 16:01:51 +0000 https://mynewsfit.com/?p=134987 If you own extra property, you may decide that renting it out is a great way to earn some extra income. However, renting does come with its challenges.  You’ll need to decide what type of rental you want to offer and what will be included. Other essential factors include ensuring your home is adequately covered […]

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If you own extra property, you may decide that renting it out is a great way to earn some extra income. However, renting does come with its challenges. 

You’ll need to decide what type of rental you want to offer and what will be included. Other essential factors include ensuring your home is adequately covered with policies like vacation rental insurance

Beyond the amenities and insurance, one of the biggest questions will be whether your rental is short-term or long-term. It can be difficult to choose between the two since they each have pros and cons. If you’re struggling with deciding what’s best for you and your property, these comparisons may help you decide. 

What’s the difference between a short-term and long-term rental?

Before diving into which rental option you may prefer, it’s essential to understand the differences between short and long-term rentals. 

Short-term rentals are typically vacation homes or month-to-month leases. Tenants are not signing a long-term rental agreement and typically only stay a few days, weeks, or months at a time. 

On the other hand, long-term rentals are meant to be over an extended period with the same tenant occupying the property. Most long-term lease agreements last 12 months, though circumstances may allow for longer or shorter terms.

Positives and Negatives of Short-Term Rentals

There are advantages and disadvantages to renting to different tenants on a short-term basis.

Pros of Short-Term Rentals

If you own a home in a highly sought-after location, such as near a beach or heavily touristed area, you may see a much higher income offering short-term rentals than more extended terms. 

You also have the opportunity to make more money with a short-term rental. Renting on a per-night basis often allows you to charge a higher rate than renting the property for months at a time. Since market values can fluctuate throughout the year, you can make a higher profit per month than you likely would through a longer-term rental. 

Between renters, you may find it easier to keep your home clean since you can do deep cleanings more frequently. Short-term rentals also offer more flexibility as you can skip weeks for rental offerings, and it is easier to sell your home if you decide you no longer want it.

Cons of Short-Term Rentals

While there are some excellent pros to offering short-term rentals, they are not without cons. You may find your rental less frequently occupied during slower times of the year. Fewer guests may mean less consistent income.

Short-term rentals can also cost more out of your own pocket since you don’t have consistent tenets to make your property their home. You will likely have to pay for the utilities in your short-term rental since you can’t include them in your nightly rate. 

Items like furniture, toiletries, cleaning supplies, dishes, and cooking utensils will also likely come out of your pocket, as people typically expect these things in a short-term rental. Though you’re not required to purchase them, you may receive less interest on your property without them.

You could also pay more for insurance coverage owning a short-term rental property. The more frequently your property is used by different renters, the higher rates you will likely have. If your home is in a popular tourist destination, you may see extremely high insurance rates to keep your property protected. 

Positives and Negatives of Long-Term Rentals

Having a long-term tenant in your property has many pros, but it’s not without its cons.

Pros of Long-Term Rentals

A long-term renter in your property typically ensures a continuous income stream for at least a year. However, if you are lucky and find a great renter who loves your place, you may have guaranteed income for years to come.

A consistent and planned income stream allows you to easily set aside monthly money for expenses like repairs and maintenance. It also offers better peace of mind knowing you won’t have to wonder if your property will be occupied or not. 

You will also likely spend less out of your own pocket for a long-term renter. Since the tenant is making your property their home, they will take care of expenses like furnishing, utilities, cleaning, and lawn care. These costs can add up, so the savings will be significant. 

Insurance prices are typically lower for long-term renters since the risk is lowered by having only one tenant occupy the property. Long-term renters should also purchase their own policy to protect their belongings, so your coverage won’t have to extend to personal property the way short-term renters coverage would. 

Cons of Long-Term Rentals

The pros of long-term rentals are strong, but they aren’t without their faults. When you sign a lease, you are tied to that price for your agreed-upon time. So even if the rental market prices increase, you can’t raise the rent until the lease expires.

It’s also more difficult to evict a long-term tenant compared to the simplicity of canceling short-term rental agreements. While the laws may vary in each state, you may have to head to court in order to evict a long-term tenant from your property if they choose not to leave. 

With long-term rentals, you have less opportunity to catch severe problems before they get out of hand. Since you are accessing the property on a limited basis, some issues may arise that go undetected by you and the tenant. For example, if problems such as leaks go to look without being fixed, they can cause serious and expensive water damage that you’ll be responsible for paying to repair. 

Deciding if Short or Long-Term Renting is for You

If you own spare property and are trying to decide whether short- or long-term renting is better for you, these pros and cons may help you. While both can be profitable, one may be more suited for your situation than the other.

Short-term rentals offer potentially higher monthly profits but also have higher expenses and insurance costs. Long-term rentals can ensure your revenue stream for extended periods of time, but your tenants may give you trouble when you try to evict them. 

The best option for your property will depend on your personal needs, location, and plans for your home. 

Alexandra Arcand writes and researches for the insurance comparison site, ExpertInsuranceReviews.com. She is a rental owner who researched her property options extensively and enjoys sharing her knowledge with others.

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Strange Vehicle Sounds: How to Know Which Ones Are Bad https://mynewsfit.com/strange-vehicle-sounds-how-to-know-which-ones-are-bad/ https://mynewsfit.com/strange-vehicle-sounds-how-to-know-which-ones-are-bad/#respond Tue, 15 Aug 2023 15:59:34 +0000 https://mynewsfit.com/?p=134983 There’s nothing more frustrating than not knowing what’s wrong with your car.  When it starts making strange noises, it can be difficult to identify the issue and determine how to fix it, especially when you don’t know how cars work (we can’t all be experts). We’ll provide some professional advice on how to identify weird […]

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There’s nothing more frustrating than not knowing what’s wrong with your car. 

When it starts making strange noises, it can be difficult to identify the issue and determine how to fix it, especially when you don’t know how cars work (we can’t all be experts). We’ll provide some professional advice on how to identify weird car sounds, potential causes, and what to do when these noises happen to you.

Strange Vehicle Sounds and Which to Worry About

Some of the sounds your vehicle makes may be harmless, others can indicate a serious problem. To help you determine which noises are cause for concern, here is a guide to some of the most common strange vehicle sounds.

A Rattling Noise

If you hear a rattling noise, it could be an indication something is loose in your engine. 

This is usually not a cause for alarm, but it is important to have it checked out by a mechanic to make sure nothing is damaged.

A Grinding Noise

If you hear a grinding noise when braking, it could mean your brake pads are wearing down and need to be replaced. However, if the noise is accompanied by vibrations, it could be a sign of brake damage, and you should have your car checked by a professional as soon as possible.

A Hissing Noise

If your car starts making a hissing noise, it could mean there is a leak in your cooling system. This is especially true if the noise gets louder when you turn on the air conditioner. While a small leak may not be cause for concern, a large leak can lead to engine damage, so it is important to have it fixed as soon as possible.

Other Common Noise Culprits

In some cases, the source of the noise is immediately apparent, such as a loose part or flat tire. However, in other cases, the noise can be more mysterious, and it can be difficult to determine the cause.

Some other common causes of strange noises in cars include:

  • Engine misfires: These sound like popping or coughing, and they can cause a loss of power.
  • Exhaust leaks: These could sound like hissing or whistling, and they can be dangerous because they can allow deadly carbon monoxide fumes into the cabin of the car.
  • Loose fan belts: This can cause a squealing noise, especially when the engine is first started.
  • Power steering issues: If your car starts making clicking sounds when you turn the steering wheel, that’s a sign of a problem with the power steering system.
  • Worn-out suspension: This can cause creaking or rattling, especially when going over bumps.

A good rule of thumb is if the noise is significant and coming from your car engine or exhaust system, the best thing to do is to have it checked out by a qualified mechanic as soon as possible.

It could be something as simple as a loose exhaust pipe, or it could be something more serious like a cracked engine block. In either case, it’s important to get it checked out so you can avoid any costly repairs down the road.

Is your car being weird, or is there something wrong with it?

If you’re driving along and you hear a strange noise, it can be difficult to know whether you should pull over and investigate or just keep going. After all, cars are complex machines, and it’s not uncommon for them to make strange noises from time to time. 

In some cases, noises may also be due to something as simple as a build-up of dirt and grime. However, there are a few things that you can look out for that may indicate that there’s something actually wrong with your car. 

For example, if the noise is coming from under the hood or if it’s accompanied by a loss of power or strange smells, then it’s probably best to stop and check it out. On the other hand, if the noise is relatively faint and doesn’t seem to be affecting the performance of your car, then it’s probably nothing to worry about. 

In any case, if you’re ever in doubt, it’s always better to err on the side of caution and get your car checked out by a professional.

Preventing Strange Noises From Happening in the First Place

One of the best ways to avoid strange noises in your car is to keep up with regular maintenance. This means having the oil and filter changed on schedule, checking the tire pressure and tread depth regularly, and making sure that all fluid levels are topped off.

It’s also a good idea to have your car inspected by a qualified mechanic at least once a year. They will be able to spot any potential problems and make sure that everything is in good working order.

Doing those few things can help prevent strange noises from happening in your car and keep it running smoothly for years to come.

Finding a Professional to Look at Your Vehicle

If you’re having car trouble, it can be tough to know whether you should try to fix the problem yourself or take it to a mechanic. After all, car repairs can be expensive, and nobody wants to waste money on unnecessary services.

So, should you bother fixing your car yourself? In general, if the problem is something that you don’t feel confident about fixing yourself, it’s always better to take it to a mechanic just to be safe. 

If you’re unsure where to take your car, ask for recommendations from friends or family members who might have a good recommendation. Once you’ve found a qualified mechanic, they will be able to diagnose the problem and give you an estimate for the repairs.

They’ll be able to diagnose and fix the problem quickly and efficiently, and they might even be able to give you some tips on how to prevent similar problems in the future.

Ultimately, Trust Your Gut and Get Your Car Checked Out

In short, trust your gut when it comes to strange vehicle sounds. If something doesn’t feel or sound right, it probably isn’t. Sure, there are some common car problems that the average Arizona resident can handle.

But if you’re ever in doubt, take your car to a qualified mechanic. They’ll be able to quickly diagnose the problem and let you know if it’s something serious.

Luke Williams writes and researches for the auto insurance comparison site, BuyAutoInsurance.com. His passions include best practices for insurance and educating motorists on how cars both work and break.

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Parents of New Drivers: Here’s What You Need to Know About Insurance https://mynewsfit.com/parents-of-new-drivers-heres-what-you-need-to-know-about-insurance/ https://mynewsfit.com/parents-of-new-drivers-heres-what-you-need-to-know-about-insurance/#respond Tue, 15 Aug 2023 15:57:27 +0000 https://mynewsfit.com/?p=134979 As a parent of a new driver, you have a lot on your mind. You’re probably worrying about how your child will do behind the wheel and whether they’re taking all the necessary precautions to stay safe on the road.  Another big question you likely have is what does adding a child to your auto […]

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As a parent of a new driver, you have a lot on your mind. You’re probably worrying about how your child will do behind the wheel and whether they’re taking all the necessary precautions to stay safe on the road. 

Another big question you likely have is what does adding a child to your auto insurance policy look like?

Don’t worry — we’re here to help. We’ll provide driving insurance tips, what kind of coverage you need to make sure your child is properly insured, and what you can do to keep them safe on the road.

Understand Insurance to Help Your Children

As a parent, it’s important to be well-informed about all aspects of your child’s life — including their insurance coverage. 

Many parents are surprised to learn that their children are not automatically covered under their insurance policy.

In fact, most policies have strict limitations on who is covered and what types of events are covered. As a result, parents must take the time to understand their insurance policies and make sure their children are adequately protected.

You should keep in mind a few things when reviewing your policy:

  • Check to see if your child is listed as a dependent. If not, you’ll need to add them to your policy.
  • Find out if there are any limits on coverage for dependent children. For example, some policies only provide limited coverage for medical expenses or accidents.
  • Make sure you understand the process for filing claims. This will ensure that you can get the coverage you need in an accident or illness.

By taking the time to understand your insurance policy, you can help make sure your child is properly protected. Don’t wait until it’s too late — review your policy today.

Other Important Car-Related Insurance Policies

Car insurance is required in most states, but there are different types of car insurance that can be helpful:

  • Collision insurance covers repairs to your car if it’s damaged in an accident.
  • Comprehensive insurance covers damage to your car from events such as fire, theft, or vandalism. 
  • Liability insurance covers damages you are legally responsible for — up to the limits of your policy. 
  • Personal injury protection (PIP) insurance covers medical expenses and lost wages for you and your passengers if you are injured in an accident, regardless of who is at fault.
  • Uninsured/underinsured motorist coverage protects you if you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages.

Checking with your state department of motor vehicles can help you determine what types of coverage are required in your state.

Non-Auto Related Insurance Policies to Consider

When it comes to insuring your child, there are a few different types of insurance you should be aware of:

  • Health insurance, which helps to cover the cost of medical care
  • Dental insurance, which helps to cover the cost of dental care
  • Life insurance, which provides financial protection in the event of your child’s death

While all three types of insurance are important, the type of insurance your child needs will depend on their individual needs. 

For example, if your child has a pre-existing medical condition, you may need to purchase a more comprehensive health insurance policy.

Alternatively, if your child is relatively healthy, you may be able to get by with a less comprehensive policy. Ultimately, the best way to determine which type of insurance your child needs is to consult with a qualified insurance agent.

Shop Around and Compare Rates

When it comes to car insurance, it’s important to make sure you’re getting the best deal. Rates can vary greatly from one provider to the next, so it pays to shop around. 

Thanks to the internet, the good news is that it’s easier than ever to compare rates.

A few clicks are all it takes to get quotes from various insurers. Once you have the quotes in hand, it’s time to start comparing them. Look at the coverage options and deductibles and decide which one is right for you.

It’s also important to read the fine print and make sure you understand the policy terms. By doing your research, you can be sure you’re getting the best deal on car insurance.

Talk to Your Children About Safe Driving Practices

One of your most important jobs is to keep your children safe as a parent. That includes teaching them about safe driving practices to stay protected on the road. This can be done through a teen driving school and by sharing your own experiences and advice.

You can start by talking to them about always wearing a seat belt. Explain that seat belts are designed to protect them in an accident, and they should never get in a car without buckling up first.

You should also teach them about the dangers of distracted driving. Let them know that it’s important to stay focused on the road and avoid activities like texting or talking on the phone while behind the wheel.

Those are just a couple of our top road safety rules you should teach your kids. By simply having these conversations with your kids, you can help them develop the skills and knowledge they need to stay safe on the road.

Be a Driving Role Model for Your Children

It is important to set a good example for your children as a parent in all aspects of life. This includes being a responsible driver. Obey all traffic laws and practice safe driving habits when you are behind the wheel.

Teach by example and show your children you take driving seriously. This will help them to develop good driving habits of their own. In addition, avoid distractions while driving, such as using your phone or eating. Instead, focus on the road and stay alert. 

By setting a good example, you can help your children to become safe, responsible drivers.

We hope we’ve helped you better understand the importance of insurance and what types your child may need. 

It’s important to start early and have these conversations with your children to be informed about how to stay safe and protect themselves when they are on their own.

As parents, we want to do everything we can to keep our children safe, including arming them with the knowledge they need about car insurance and other types of coverage.

Luke Williams writes and researches for the auto insurance comparison site, AutoInsurance.org. His passions include best practices for insurance and helping parents guide their kids on and off the road.

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The Ultimate Guide to Securing Your Future with Life Insurance Protection https://mynewsfit.com/the-ultimate-guide-to-securing-your-future-with-life-insurance-protection/ https://mynewsfit.com/the-ultimate-guide-to-securing-your-future-with-life-insurance-protection/#respond Mon, 12 Jun 2023 12:20:53 +0000 https://mynewsfit.com/?p=132252 Introduction Life is full of uncertainties, and while we cannot predict the future, we can take steps to protect our loved ones from financial hardship in the event of an unforeseen tragedy. This is where life insurance comes into play. Life insurance is a powerful tool that provides financial protection and peace of mind by […]

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Introduction

Life is full of uncertainties, and while we cannot predict the future, we can take steps to protect our loved ones from financial hardship in the event of an unforeseen tragedy. This is where life insurance comes into play. Life insurance is a powerful tool that provides financial protection and peace of mind by ensuring that your family is financially secure in the face of unexpected circumstances. In this article, we will explore the importance of life insurance protection, the different types of policies available, and how to choose the right coverage for your needs.

The Need for Life Insurance Protection

1. Financial Security for Your Loved Ones: Life insurance serves as a safety net for your family’s financial future. For more information about life insurance protection, you can read through this link, https://expatinsurance.com.sg/life/. In the event of your untimely demise, life insurance can provide a lump sum or regular payments to your beneficiaries, helping them cover living expenses, mortgage payments, education costs, and other financial obligations.

2. Clearing Outstanding Debts: If you have outstanding debts such as a mortgage, car loan, or credit card debt, your life insurance policy can be used to settle these obligations, relieving your loved ones of the burden and ensuring they are not left with financial liabilities.

3. Income Replacement: If you are the primary breadwinner of your family, your sudden absence can create a significant financial strain. Life insurance can provide a replacement income to support your family’s lifestyle and maintain their standard of living.

Types of Life Insurance Policies

1. Term Life Insurance: Term life insurance provides coverage for a specified period, typically ranging from 10 to 30 years. It offers a death benefit if the insured passes away during the policy term. Term policies are often more affordable and straightforward, making them a popular choice for individuals looking for temporary coverage or seeking high coverage amounts for a specific period.

2. Whole Life Insurance: Whole life insurance is a permanent policy that covers you for your entire lifetime. It not only offers a death benefit but also accumulates a cash value component over time. Whole-life policies provide lifelong coverage and can serve as an investment tool, as the cash value can be accessed or borrowed during the insured person’s lifetime.

3. Universal Life Insurance: Universal life insurance combines the benefits of life insurance protection with the potential for cash value growth. It offers flexibility in premium payments and death benefit amounts, allowing policyholders to adjust their coverage and savings components based on their changing needs.

Choosing the Right Coverage

When selecting a life insurance policy, consider the following factors:

1. Determine Your Coverage Needs: Evaluate your financial obligations, such as outstanding debts, mortgage payments, and future expenses like college tuition. Consider your family’s lifestyle and the income they would need to maintain their standard of living.

2. Assess Your Budget: Life insurance premiums should fit comfortably within your budget. Evaluate your monthly expenses and ensure that the premium payments are affordable in the long run.

3. Seek Professional Advice: Consulting with a licensed insurance agent or financial advisor can help you navigate the complexities of life insurance and determine the appropriate coverage for your specific circumstances.

4. Review Policy Features: Understand the terms and conditions of the policy, including the coverage period, death benefit amount, premium payment options, and any additional riders or benefits that may be available.

5. Compare Insurance Providers: Research and compare insurance providers to ensure they have a solid financial reputation and a history of reliable claim settlements. Look for customer reviews and ratings to gain insights into their customer service and satisfaction levels.

Conclusion

Life insurance protection is a vital component of a sound financial plan, providing security and peace of mind to you and your loved ones. By understanding your coverage needs, exploring the different types of policies available, and selecting a reputable insurance provider, you can safeguard your family’s financial future. Remember, life insurance is not just a financial product; it is a way to protect the ones you love and ensure they are taken care of, even when you are no longer there. Invest in life insurance today and provide a solid foundation of protection for your loved ones, giving them the confidence to face the future with resilience and security.

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Umbrella Insurance: Extra Protection For Unexpected Events https://mynewsfit.com/umbrella-insurance-extra-protection-for-unexpected-events/ https://mynewsfit.com/umbrella-insurance-extra-protection-for-unexpected-events/#respond Wed, 26 Apr 2023 18:09:30 +0000 https://mynewsfit.com/?p=130468 No matter how careful you are, accidents happen. Whether it’s a car accident, a slip and fall, or a lawsuit, unexpected events can quickly lead to financial ruin if you’re not properly protected. That’s where umbrella insurance comes in. What Is Umbrella Insurance, And How Does It Work? Umbrella insurance is a type of liability […]

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No matter how careful you are, accidents happen. Whether it’s a car accident, a slip and fall, or a lawsuit, unexpected events can quickly lead to financial ruin if you’re not properly protected. That’s where umbrella insurance comes in.

What Is Umbrella Insurance, And How Does It Work?

Umbrella insurance is a type of liability insurance that provides extra protection beyond the limits of your existing policies. It’s designed to kick in when your other insurance policies, such as your homeowners or auto insurance, have reached their maximum payout.

For example, let’s say you’re in a car accident that results in $1 million in damages, but your auto insurance policy only covers up to $500,000. Without umbrella insurance, you’d be on the hook for the remaining $500,000. But with an umbrella policy, you’d be covered up to your policy’s limit, which is typical $1 million or more.

Common Risks Covered By Umbrella Insurance Policies

Umbrella insurance can provide coverage for a variety of risks, including:

  • Bodily injury: If you or a member of your household is responsible for injuring someone, whether it’s in a car accident or a slip and fall, your umbrella policy can help cover medical expenses, legal fees, and other damages.
  • Property damage: If you damage someone else’s property, such as their car or home, your umbrella policy can help cover the cost of repairs or replacement.
  • Libel and slander: If you’re sued for defamation, such as posting something defamatory on social media, your umbrella policy can help cover legal fees and damages.
  • Lawsuits: If you’re sued for any reason, your umbrella policy can help cover legal fees and damages.

Who Needs Umbrella Insurance, And How Much Coverage Is Enough?

While everyone can benefit from umbrella insurance, it’s particularly important for those with significant assets to protect. This includes high-net-worth individuals, business owners, and anyone with substantial savings or investments.

When it comes to how much coverage you need, it depends on your individual circumstances. A good rule of thumb is to have enough coverage to protect your assets and future earnings. This may mean a policy with a limit of $1 million or more.

How  To Choose The Right Umbrella Insurance Policy for Your Needs

When choosing an umbrella insurance policy, there are several factors to consider. These include:

  • Coverage limits: Make sure the policy provides enough coverage to protect your assets.
  • Deductibles: Some policies have deductibles, which means you’ll need to pay a certain amount out of pocket before the policy kicks in.
  • Exclusions: Make sure you understand what the policy does and doesn’t cover.
  • Cost: While you don’t want to skimp on coverage, you also don’t want to pay more than you need to. Compare quotes from several different insurers to find the best price.

Understanding The Cost Of Umbrella Insurance And Ways To Save Money

The cost of umbrella insurance varies depending on several factors, including your assets, coverage limits, and location. On average, a $1 million policy costs around $150 to $300 per year, with each additional million in coverage costs around $75 to $100 per year.

To save money on umbrella insurance, consider bundling it with your other insurance policies, such as auto or homeowners insurance. You can also raise your deductibles or lower your coverage limits, although this may increase your out-of-pocket expenses in the event of a claim.

Making A Claim On Your Umbrella Insurance Policy: What You Need to Know

If you need to make a claim on your umbrella insurance policy, there are several steps you’ll need to take. These include:

  1. Contacting your insurance company: Notify your insurance company as soon as possible after an incident occurs.
  2. Providing documentation: Your insurer will likely require documentation to support your claims, such as police reports, medical bills, or witness statements.
  3. Cooperating with the claims process: Your insurer will investigate the claim and may require additional information or documentation from you.
  4. Following up on your claim: Keep track of your claim’s progress and follow up with your insurer if necessary.

Umbrella Insurance vs Excess Liability Insurance: What’s The Difference?

While umbrella and excess liability insurance are similar, some key differences exist. Excess liability insurance provides additional coverage beyond the limits of your existing policies but only for a specific type of risk, such as a car accident. On the other hand, Umbrella insurance provides broader coverage for various risks and typically has higher coverage limits.

FAQS

Here are some answers to common questions about umbrella insurance:

  • Is umbrella insurance required by law?

No, umbrella insurance is not required by law, but it can provide valuable protection.

  • How much does umbrella insurance cost?

The cost of umbrella insurance varies depending on a number of factors, but on average, a $1 million policy costs around $150 to $300 per year.

  • Do I need umbrella insurance if I have homeowner’s insurance?

While homeowner’s insurance provides some liability coverage, it may not be enough to protect your assets in the event of a large claim.

  • Can I buy umbrella insurance without other insurance policies?

Generally, no. Most insurers require you to have a certain amount of coverage on your other policies before you can purchase an umbrella policy.

Suppose you’re a Bournemouth resident and looking to purchase an umbrella insurance policy. You contact a health insurance broker Bournemouth to assist you with the process. The broker informs you that most insurers require you to have a certain amount of coverage on your other policies, such as homeowners or auto insurance before you can buy an umbrella policy. The broker advises you to review your existing policies and assess your coverage needs to determine if you meet the insurer’s requirements.

Conclusion

Umbrella insurance can provide valuable protection against unexpected events that can quickly lead to financial ruin. While it may not be required by law, it’s a smart investment for anyone with assets to protect. By understanding your risks, choosing the right policy, and following the claims process, you can ensure that you’re properly protected in the event of an unexpected event.

 

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What Tax Benefits Can You Avail for Life Insurance under Section 80C? https://mynewsfit.com/what-tax-benefits-can-you-avail-for-life-insurance-under-section-80c/ https://mynewsfit.com/what-tax-benefits-can-you-avail-for-life-insurance-under-section-80c/#respond Fri, 30 Dec 2022 16:22:46 +0000 https://mynewsfit.com/?p=126485 Life insurance refers to a contract between an insurer and a policyholder in which the insurer agrees to pay a specified sum assured upon the demise of the policyholder. To reduce tax, deductions and exemptions can be availed under Section 80C of the Income Tax Act, 1961. Life insurance productshelpto secure the financial future of your nominees.Along […]

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Life insurance refers to a contract between an insurer and a policyholder in which the insurer agrees to pay a specified sum assured upon the demise of the policyholder. To reduce tax, deductions and exemptions can be availed under Section 80C of the Income Tax Act, 1961.

Life insurance productshelpto secure the financial future of your nominees.Along with that, you also get to avail life insurance tax benefits via certain deductions as follows;

  • The maximum deduction under Section 80C (along with deduction u/s 80CCC and 80CCD) is up to INR 1,50,000, making it one of the major tax-saving opportunities. 
  • A taxpayer, being an Individual or a Hindu Undivided Families (HUF) can claim deductions under Section 80C of the Income Tax Act, 1961 by investing in a life insurance policy during the year. In fact, tax benefits are also available on the premium paid for self, spouse and child plans under section 10(10D) of the Income Tax Act, 1961.

To avail of life insurance tax benefits up to a maximum of INR 1,50,000, one can choose from various investment options. These include investing in Term Insurance, and Unit-Linked Insurance Plans (ULIP).

Here are the types of life insurance covered under Section 80C of the Income Tax Act, 1961: –

1. Term Insurance

Term life insurance provides coverage benefits as a lump sum payout or as monthly payments over a predetermined period of time. Under Section 80C of the Income Tax Act, a tax deduction of up to Rs. 1.5 lakhs per year can be claimed on the premium paid.

There’s a variant of term insurance known as TROP (term insurance plan with return of premium) wherein the tax deduction stays the same as regular term insurance however, in case the policyholder survives the complete policy term, he/she receives survival benefits to the insured.

2. ULIP

Unit-linked insurance plans provide investment, insurance, and tax benefits on the invested amount. Amongst the most popular tax-saving investments, the premium paid is deductible up to Rs. 1, 50,000 under Section 80C of the Income Tax Act, 1961.

3. Traditional Whole Life Insurance Plans

Providing coverage for the policyholder’s life term, traditional whole life plans offer death as well as survival benefits. Along with that, there’s a maturity benefit which will depend on whether the plan is a participating or a non-participating one.

In terms of taxation: –

  • Insurance premium on traditional whole life plans is deductible under Section 80C of the Income Tax Act, 1961 up to a maximum limit of INR 1,50,000.
  •  Subject to provisions within Section 10(10D) of the Income Tax Act, 1961, the death benefit is exempt from tax.

4. Child Plans

Child plans are a systematic way of saving and accumulating a corpus that can be used to finance a child’s life goals. These plans also offer tax benefits under Section 80C of the Income Tax Act, 1961 on the premium paid. Along with that, maturity or death benefit and surrender value are eligible for tax benefit under Section 10(10D) of the Income Tax Act, 1961.   

5. Retirement Plans

Retirement plans, also known as pension plans, work in two phases: the accumulation phase wherein your money is invested towards growing your retirement corpus. After that comes the post-retirement phase where one can invest in an annuity product to have a regular income for life.

Premiums paid for retirement plans are eligible for tax deduction under Section 80CCC of the Income Tax Act, 1961 and once the policyholder starts getting a pension (at the vesting age), one-third of the retirement savings can be received as a lump sum amount that is tax-exempt under Section 10(10A) of the Income Tax Act, 1961, subject to certain provisions.   

 Overall, tax benefits on offer under section 80C of the Income Tax Act, 1961 make life insurance a sensible investment option. Choose the right one as per your life goals and financial needs.

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Important Life Insurance Terms that Everyone Should Know https://mynewsfit.com/important-life-insurance-terms-that-everyone-should-know/ https://mynewsfit.com/important-life-insurance-terms-that-everyone-should-know/#respond Tue, 29 Nov 2022 09:52:40 +0000 https://mynewsfit.com/?p=125232 Purchasing life insurance is among the best decisions you can make for your family’s financial future. Naturally, there is no practical method by which you may determine the monetary worth of your life or that of a loved one. However, you can undoubtedly plan and organise your money to cover any long-term debts or liabilities […]

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Purchasing life insurance is among the best decisions you can make for your family’s financial future. Naturally, there is no practical method by which you may determine the monetary worth of your life or that of a loved one. However, you can undoubtedly plan and organise your money to cover any long-term debts or liabilities you may have by going for life insurance policy Here are some crucial terms and phrases you should understand before choosing the best plan.

Important Life Insurance Terminology

  1. Insurance: Insurance is a legal agreement between a person or an organisation and an insurance provider that provides financial protection or payment in the event of predetermined losses.
  2. Insured: The term “insured” refers to the individual or organisation that an insurance policy covers.
  3. Insurer: The insurance provider is known as the insurer and is responsible for offering the insured financial protection or monetary compensation in the event of losses.
  4. Policyholder: This term refers to someone who buys an insurance policy and pays the premium. The policy may or may not have been purchased by the policyholder for themselves. 
  5. Sum Assured: This is the entire amount a life insurance policy beneficiary will receive if the insured person passes away during the policy term.
  6. Premium: Policyholders must pay a premium to the insurer to get and maintain a policy. The sum assured and other benefits determine the premium amount, which should be paid either as a lump sum or on a monthly, quarterly, or annual basis. A Life insurance premium calculator can indicate the required monetary commitment to buy a particular policy.
  7. Coverage: Insurance coverage is the sum an insurance company will pay the insured if they suffer a predetermined loss to themselves or their property. The insured/policyholder must pay the determined premium amount to the insurer to be eligible for a specific level of financial coverage.
  8. Life Assured: An insured person for whom the life insurance policy provides financial protection is referred to as “life assured.”
  9. Term insurance: Also known as term policy, it is a type of insurance that offers life cover for a predetermined “term” in years. An insurance company will pay an assured compensation to the nominee after the amount if the covered person passes away during an active policy.
  10. Nominee or Beneficiary: In a life insurance policy, a nominee or beneficiary is the chosen person set to receive the death benefit if the insured person passes away during the active policy term

You can use the Life insurance premium calculator to determine the premium amount for adequate coverage for your nominee. 

  1. Free Look Period: This term refers to a timeframe allowing the policyholder to evaluate the insurance document. The policyholder may return the issued policy to the insurer if they disagree with any terms and conditions. After deducting administrative costs, the insurer must return the premium the policyholder paid.
  2. Age Limit: This specifies the maximum and minimum ages for a policyholder to get life insurance. An insurer can refuse life cover if the buyer is too old or young. The usual eligible age for term insurance is 18 – 65 years.
  3. Grace Period: The insurer provides a 15–30 day grace period for payment if the policyholder delays insurance premium payment. During this time, the policy remains in effect. Unpaid premium amount after the grace period results in policy lapse and loss of life cover.
  4. Maturity Date: On this date, the policy finishes its term. After this date, the insurer stops offering life cover on the said policy.
  5. Maturity Claim or Survival Benefit: Suppose the insured survives the policy period. Then some insurance providers give the policyholder a maturity claim or survival benefit. This amount is sometimes similar to the lifetime premium paid and can include additional bonuses.
  6. Rider: A paid add-on that broadens the coverage of a normal term insurance policy is known as a term insurance rider.
  7. Surrender Value: Suppose a policyholder cancels a policy in the middle of its term. The insurer can offer a partial payment, known as the surrender value, to the policyholder. Not all insurers have this option. Additionally, this sum is a minute fraction of the actual premiums. 
  8. CO Life Insurance: Company Owned Life Insurance, or COLI, refers to a life insurance policy that a business purchases on behalf of its employees. The firm becomes the policyholder, and the employee becomes the insured who will benefit from this policy.
  9. Exclusions: An exclusion is any occurrence or kind of loss that lacks coverage by the insurance policy. Be sure of everything that is being excluded from your policy to know your exact benefits.

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IRA Custodial Fees 101: Everything You Need to Know https://mynewsfit.com/ira-custodial-fees-101-everything-you-need-to-know/ https://mynewsfit.com/ira-custodial-fees-101-everything-you-need-to-know/#respond Mon, 21 Nov 2022 15:02:13 +0000 https://mynewsfit.com/?p=124965 When investing in an Individual Retirement Account, it’s essential to understand the fees involved. One fee that people may need to become more familiar with is IRA custodial fees. Let’s look at what custodial fees are and what you need to know about them. What is an Individual Retirement Account Individual retirement accounts (IRAs) are […]

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When investing in an Individual Retirement Account, it’s essential to understand the fees involved. One fee that people may need to become more familiar with is IRA custodial fees. Let’s look at what custodial fees are and what you need to know about them.

What is an Individual Retirement Account

Individual retirement accounts (IRAs) are personal savings accounts that offer tax breaks and a slew of investment options. Retirement saving is one of the most common reasons people invest in IRAs. Even employees with 401(k) or 403(b) plans can take advantage of IRA benefits to up their savings and have more control over their portfolio.

Types of IRAs

IRA custodial fees can vary depending on the type of IRA. For example, Roth IRA custodial fees may be higher than traditional ones. However, Roth IRA custodial fees may be tax-deductible, while conventional IRA custodial fees are not. There are also different types of IRA accounts, such as SEP IRA and SIMPLE IRA. Each type of IRA has rules and regulations regarding contributions, distributions, and eligibility.

What Are the Fees for a Self-Directed IRA

There are a few different fees associated with self-directed IRAs. The first is the set-up fee, typically charged by the custodian or administrator of the account. Depending on the provider, this fee can range from $100 to $200. There are also annual maintenance fees, typically around $100 per year. These fees cover the costs of managing and administering the account.

Finally, fees may also be associated with specific investments made within the account. For example, if you invest in real estate, there may be additional fees such as property taxes and insurance premiums. Self-directed IRAs can have various fee structures, so it’s essential to research before selecting a provider.

What Fees are Generally Associated with a Self-Directed IRA

There are typically three custodial fees associated with self-directed IRAs: an establishment fee for opening a new account, an annual fee, and administrative or transaction fees. However, some custodians may charge other fees based on the assets under their management or quarterly.

All Traditional IRAs, Roth IRAs, SEP IRAs, and SIMPLE IRAs can be self-directed. The fees might differ based on the custodian and what kind of investments are in the IRA. To get the best rates for your investment strategy, compare custodian fees before deciding on one.

Is Self-Direct IRA Custodial Fees Tax Deductible

IRA fees you pay to the custodian for maintaining your IRA can be tax-deductible if you itemize deductions on your taxes. Also, these must have been produced with personal funds and not from the IRA itself. Compare Custodians to get the best fees for your self-directed IRA.

What You Need to Know About IRA Custodial Fees – In Conclusion

When saving for retirement, IRA custodial fees are just one aspect of many, but they are essential, nonetheless. Fees differ from provider to provider, so comparing offers is best. When deciding what custodian to choose for an account, ask about fees, as they can add up over time and cut into investment returns.

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What is Good Coverage for Car Insurance in Florida? https://mynewsfit.com/what-is-good-coverage-for-car-insurance-in-florida/ https://mynewsfit.com/what-is-good-coverage-for-car-insurance-in-florida/#respond Sat, 01 Oct 2022 13:54:54 +0000 https://mynewsfit.com/?p=123182 Not every Florida car insurance policy is the same. These policies provide different limits and coverage, meaning there is no one-size-fits-all regarding auto insurance in Florida. Make sure you know the coverage you need by asking questions and shopping for a policy that meets your needs. Make sure you know the coverage you need by asking […]

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Not every Florida car insurance policy is the same. These policies provide different limits and coverage, meaning there is no one-size-fits-all regarding auto insurance in Florida. Make sure you know the coverage you need by asking questions and shopping for a policy that meets your needs. Make sure you know the coverage you need by asking questions and shopping for a policy that meets your needs at carinsurancecheapA good Florida car insurance policy will have the features listed below.

When looking for car insurance in Florida, you want to ensure that your coverage is adequate and appropriate. You also want to ensure you’re getting the best value for your dollar. 

Finding good coverage for car insurance in Florida can be tricky. However, you’ll get the right coverage at an affordable price if you know what to look for.

Bodily Injury and Property Damage Liability

Good coverage for car insurance in Florida should include, at a minimum, both bodily injury and property damage liability. Bodily injury liability covers injuries you cause in an accident. This includes medical bills, lost wages, pain, and suffering. In contrast, property damage liability covers the cost of repairing or replacing other vehicles or property you damage in an accident.

The costs of an accident you caused, in which someone was hurt and their car or property was damaged, would be your responsibility to cover. You may also be required to pay any court costs associated with filing a lawsuit against you if the plaintiff decides to seek compensation from your insurance company rather than from you directly.

The only way to avoid this kind of financial burden is by purchasing enough car insurance in Florida so that your insurer will cover any damages caused by an accident. The recommended coverage is $100,000 per individual and $300,000 per accident.

Personal Injury Protection

Personal Injury Protection (PIP) is a form of car insurance that covers medical costs for injuries sustained in an accident. Florida requires all drivers to maintain PIP on their policy, and it’s important to ensure you have sufficient coverage to protect yourself in case of an accident.

The minimum amount required by Florida law is $10,000 per person. If you’re involved in a serious accident, it may be worth increasing this amount to cover more out-of-pocket expenses.

Underinsured/Uninsured Motorist Coverage

Having underinsured motorist coverage on your auto insurance policy is crucial. This type of coverage helps pay for damages if you are in a car accident with someone who doesn’t have enough insurance or if there’s no other driver involved in the accident at all.

Underinsured motorist coverage can also help pay for injuries during an accident, even if the other driver was not at fault. Underinsured motorist coverage usually pays out more than personal injury protection.

The main benefit of obtaining uninsured motorist coverage is that you will have the money you need after an injury accident with an uninsured driver, regardless of who was at fault. Florida is a no-fault state, and you may need supplemental insurance to cover medical bills, lost wages, and more if you’re involved in an accident and your PIP benefits run out. Simply put, UM insurance can do that for you. It shields you from shouldering the costs associated with another driver’s carelessness.

Comprehensive Coverage vs. Collision Coverage

Florida car insurance is a must for any driver in the state. While it’s tempting to think that the bare minimum of coverage is enough, investing in a comprehensive car insurance plan is safer and more cost-effective. The difference between comprehensive and collision coverage lies in what they cover. 

Comprehensive Coverage

Comprehensive coverage covers you in case of an accident that wasn’t your fault or a natural disaster. If you have comprehensive insurance, the company will pay for repairs regardless of who was at fault. 

Collision Coverage

Collision coverage helps pay for repairs to your vehicle if you get into an accident with another driver. There are two types of collision coverage: full and limited. Full collision insurance covers the vehicle’s actual cash value, which is what it would cost to replace it with an identical model minus depreciation. Limited collision coverage only covers the car’s actual cash value. Nonetheless, you can add the “collision deductibles” feature to select a deductible amount that will be deducted from your settlement.

Collision and comprehensive coverage are optional parts of Florida’s No-Fault law, but they’re recommended. If you only have liability insurance, which pays for repairs to other people’s cars but not your own, you’ll have to pay for any repairs necessary to your own vehicle out of pocket.

If another driver who doesn’t have enough insurance damages your car, comprehensive and collision coverage can help cover the costs until a settlement or lawsuit is reached.

Finding a Good and Cost-Effective Insurance Policy in Florida

In Florida, you must know the state’s car insurance requirements and how much coverage you want. Your insurance may offer you lower rates if you have a good driving record and no accidents or tickets. You can save money on Florida car insurance even with a poor driving record.

Moreover, getting multiple car insurance quotes is the best way to save money. The more quotes you get from different providers, the easier it will be for you to find affordable car insurance in Florida.

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