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If you have ever had a car break down, a tire blow, or an accident, you know that they never happen in a convenient place, with phones and lights and people all around. No, these things never happen in the best of locations, or at the best of times, and if you asked that person stuck in the middle of no where in the black of night, the answer to the question is a resounding yes.

Emergencies are called that because they were unplanned and because making things better is imperative. There is no waiting around if it is midnight, and the temperature is four below and your car is sitting on a flat. Of course, your cell phone went dead just after you made the call to get the emergency tow service in the first place. Could things get worse?

Well, yes, things could get a lot worse, and fast. If you skimped on the deductible, or on the policy itself, hoping to save yourself a few bucks, then your emergency tow is going to get pricey, very pricey.

A reliable tow company can cost quite a bit, especially if a repair on the road cannot be completed and the vehicle must be towed to another location. The farther away from civilization the mishap occurred, the higher the expense will be.

Your policy premiums go up with each additional amenity or benefit that is added to it. Deductions are made for safe driving, safety features on your car, and multi-car discounts, but you can use those savings to bump up your coverage until you feel adequately covered. Drive through a lot of deserted areas to and from your destinations? Drive a lot of miles? Take a lot of solo trips? For all of these reasons, the higher premiums for emergency towing is well worth it.

If you are a parent of a teen that is away at college, it is worth the peace of mind. How would you feel if little Joannie was coming home for a visit and got stuck along the road for hours, cold, alone and afraid?

Consider the cost of adding the tow service to your insurance policy as compared to a auto club membership. Sometimes the cost is comparable making it just as easy to add to your existing insurance policy, and sometimes the cost is far higher.

Comparison shopping is key to getting the best deal.

As always, check the limits to the towing policy. Is there a mileage limit, for instance? How many service calls per month are you allowed before they are no longer covered? Which services are covered and which are not? Some policies will cover locksmith services, and others will not. If you have special tires, or a higher end vehicle, find out if your policy covers flat bed service if you need a tow. Some tow drivers will not even attempt to hook up certain cars and trucks, and certain tires will not allow towing. It is best to know exactly what service you have and what to expect, especially before heading out for that trip through the miles of cornfields and cow pastures.

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Insurance can be such a wide based, confusing topic. There are different policies for homes, cars and other vehicles, health, dental, and other lesser known forms. Insurance is a necessary thing, and in some cases a legal requirement. You need to decide how much of what kind of insurance you need, and afterward you can find out exactly what is covered and what is not.

Beginning with automobile coverage, the first decision is whether you need full coverage or simple liability. If you are driving an old clunker that is probably limping its way to the auto grave yard, then liability insurance is probably the best bet.

You do not want to over cover a vehicle, you will not recoup that added expense if there is a loss. A liability policy will cover another’s vehicle during an accident, as well as any property damages. Medical expenses for the other party will also be covered, up to the amounts specified by the individual policy.

If you have a newer car, or work in certain occupations, then full coverage insurance may be a better bet. Some jobs, including those that involve transporting clients, may require you to carry full coverage.

If you want to get fair replacement value for your car, then you simply must have full coverage insurance. The other coverage amounts are better as well, and there may be some nice added benefits. For instance, some full coverage policies include rental during a repair period, and free towing. Additional benefits can include hotel stays if you are stranded far from home, and meals during that stay. Of course, if the vehicle is financed, then you will be required to carry full coverage insurance until that lien is removed.

Home owners insurance policies can be written to include not only the home itself, but also the belongings inside, and some outside structures.

If you have a home filled with valuable antiques though, you might want to consider having them insured separately, above and beyond the home. An appraisal is done to assess the value of the structure and a list is made of the other items to be covered and the policy written from there. Certain things are not generally covered, however, so make sure that you know what is and is not included. Usually flood damages are not covered by the homeowners policy and must be purchased separately.

If you make additions or changes to your home which increase value, then call your insurance agent to be sure you still have enough coverage.

Health insurance is probably the one thing that most people need yet do not have, and the one that can be the trickiest to understand. The options that are available can be overwhelming, especially when they are presented in the confusing insurance jargon. Insurance offered through an employer may not always be available for instance, and may not be the best choice even when it is.

A private based insurance plan, one that you pay for out of pocket, may make more sense for your own personal situation. Consider your health, your budget and your employment before deciding on insurance needs and then talk to a professional to make the final policy decision. Be aware that certain health policies will not cover all treatments, and most do not cover pre-existing illnesses. Most policies do cover basic illnesses and injuries, as well as medically necessary surgery and medications. Again, consider cost when choosing whether to use your medical insurance to get your medications or the $4 plans that are available in many pharmacies now.

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Of course you want to have enough insurance to protect your family and your investments. But what about having too much insurance? Over-insuring your home or car can cause a financial burden and undue stress in an already tight budget. Why would you have full coverage insurance on a car that will not last another six months if you could accomplish the same protection with the state minimum ? Cadillac policies for a less than Cadillac car is not a smart financial decision.

What about overextending your health care coverage?

Although it sounds hard to believe, especially in light of the number of men, women and children who have little or no insurance at all, there are some instances where overpaying for health insurance is not only a major burden, it is also largely unnecessary. If you never take prescription meds, or the ones that you do take are commonly available through your local pharmacies $4 plan, then paying the additional premium for medications is not needed. You can save that money toward something more important. Know what you need, and only pay for the coverage and services that you will be most likely to use.

When you purchase or renew your homeowners insurance policy, have an appraisal done to be sure that you are covering the full value of both the home and the items that are held within it.

Conversely, do not over cover items that will have zero or low replacement value. If you have priceless antiques, cover them separately, with appraisals and pictures to back your claim if a loss occurs. Do not overstate your belongings and hope that the adjuster just assumes the listing to be accurate and truthful. The likelihood is that there will be many items that are either disallowed, or paid at a reduced value than what you originally claimed it at, meaning that you have paid an increased premium for absolutely nothing at all.

Carefully review your policies before each renewal period for any changes that may have occurred, especially if you multiple policies. Did one of your children “age out” of your policy? Or hopefully move out and get their own insurance? Have you sold the boat, the second car or the motorcycle? Make sure that each policy is for items that you actually still own and use before paying for your renewal.

For instance, my second car, an older Ford, only has fire and theft insurance on it right now since it is sitting immobile in my driveway. The savings from changing from a liability to the lesser comprehensive policy was substantial for me.

Yes, you have to carry liability insurance , but unless you have a newer or financed car, then you do not have to go to full coverage. Yes, there are some additional perks with the higher policy, but do they outweigh the additional cost involved?

If you are worried about the cost of a tow bill during a break down or accident for instance, investigate the cost of an auto club membership. If you can still save money by having the auto club cover mishaps on the road and keep the liability insurance, then why not? If the cost of the auto club exceeds the full coverage policy amount and you have valid reasons to worry about being stranded on the road, then it might be worth the additional cost for your own sense of security.

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Choosing an auto insurance can be a nerve wracking event. There are literally hundreds of different companies out there, all offering different benefits for signing with them. How does one choose? Well, you didn’t buy the very first car that you looked at or even test drove, did you? Doing a little research and comparison shopping will save you money in the long run, and that starts with the review of the auto insurance companies themselves.

First, consider this: will you be looking for a totally online company, or will you go with a local agent for your insurance needs?

Yes, having an actual person to go with your agent’s name can be good, but you must weigh the different costs before signing anything. The cost of an actual agent will almost always be higher than online agents because of expenses such as staffing, building overhead and travel to and from the office to sign papers.

Online companies not only save money on a policy, it will also save the environment with reduced paper use, and no driving back and forth. It can also save you time; instead of driving down to an office, waiting for the agent to be ready and then driving back home, you click on to a website, fill out a form, chose a policy and then print it out. You are done, sometimes in less than ten minutes.

Shopping for insurance is easier online for price comparison as well. Some sites will show you a side by side analysis of several different companies, and you can choose the one that is the best for you. Remember, cheaper is not always better, but only you can tell what is the best for you. Some agents will agree to meet with you for comparisons at a reduced fee, or even free, so remember to ask. Take your quote page with you and ask for an explanation of anything you are unsure of.

If you truly want to play it safe, then stick with the names that you know, but if you research carefully, the lesser known companies can prove to be very economical. Just make sure that you read any reviews that are available about their service, including any that may be posted on the Better Business Bureau website. Do not rely simply on reviews found on the website itself, some companies will lace their pages with “bought and paid for” reviews. Look before you leap, and do not give out your personal information until you are sure of what you are getting into and are comfortable with the company and the coverage.

We all know the ads and the mascots for the various insurance companies, but do you want adequate coverage at a price that you can live with, or do you want a talking lizard with an urbane British accent? Know what is and is not covered with the policy offered, and the benefits that will come with signing with the company. How are claims handled, for instance? How quickly will your call be answered if there is an emergency? If you go with an online company, is there a toll free number in case you have questions that you would like answered by a human?

Just because a company has more name recognition than another, does not make it any better. Know what you need coverage wise, and then decide what you would like service wise, and choose your insurance company from there.

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If you think about it, most financial products are basically insurance anyway; insurance to keep your lifestyle relatively the same after retirement, or insurance to keep your family from losing everything if you go into a nursing home. They are all meant to do the same thing: protect you and your family from a loss. If possible, it simply makes sense to purchase both insurance and financial products from the same agent, as more and more of the big insurance companies are providing financial products right along with other insurance policies.

We all know how uncertain Social Security is. Whether it will even exist at the time of your retirement is a real concern, no matter what your current age is.

Even if it is available, most people only receive around 40 percent of their pre-retirement income amount. Think about what you are living on right now, and then think about having sixty percent less available to you, sound good? Of course not, no one wants to spend their golden years scrimping and saving, they want to live better than they are now. That is where good solid planning comes into play.

Insurance protects you both in the long term and in the now. If you become sick or injured without insurance, who will pay for your medical expenses? If your home is destroyed, or your vehicle wrecked, good policies will replace those items and give you the peace of mind that your family is taken care of.

Your insurance policy can also include coverage against long term care placement or a devastating disability, both of which could eat through a family’s savings in a matter of months. Spending a little more now can save you big money in the long run.

Most financial products, including annuities, can protect against the future spent eating cat food in a one room shack. If you plan carefully, you will be spending your golden years in relative comfort, without medical debts looming over you and without having to drastically alter your lifestyle. You should not have to give up every small luxury simply because you are retired. And planning on employer paid pensions alone is foolhardy at best. If you are lucky enough to have such a benefit in the first place, most will only cover 25 percent of your pre-retirement income. Hardly seems worth it, does it?

A financial planner can provide you with the best plan for your own personal situation, as well as advise you about how much and what type of insurance you need. Buying both types of products can insure that you do not needlessly double up on one or the other, and that you are covered for all contingencies. But there might be some problems with this practice.

Just as there is no truly “perfect” marriage, the joining of financial planning and insurance can have its problems.

If you go to a financial investment broker, he or she will, of course, push more of the financial products on you, as their commission for these is usually higher than insurance policies. The available insurance from such places is limited, and in some cases, not worth the added expense. The same thing can also be said for insurance agencies that carry financial products. They may not be as well informed about the financial products that they offer, and will emphasize the insurance aspect. Some companies have separate departments for each category, so that you can use the same company but talk to experts in their respective field.

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The politicians for the 2008 Election Campaign all struggle to spin health insurance as one of their platforms, while the media plays it up or down, depending on their point of view. While there are many existing ideologies regarding health care, the fact remains that the struggle for affordable health insurance in America real, and is getting worse every year.

One of the biggest misconceptions about health care is that the people without insurance are illegal immigrants, or are unemployed. This is not the case.

According to the National Health Care Coalition, nearly 80 percent of the uninsured in America are either Native American, or naturalized citizens, and of those, 8 out of 10 come from working class families. During 2006, over 90 percent of the population, which is nearly five million people, were without any kind of health insurance for at least part of the year.

America is a world leader, so how can nothing be done to guarantee health care to our working families? If you work enough to barely get by, then you usually make too much to qualify for state sponsored Medicaid. Staying at home and drawing welfare so that you can have health insurance makes little sense to most people, and budget cuts at the state level is making that prospect harder as well.

Young adults, (aged 18-24) probably do not give health care a second thought, as they are the population group most likely to be without any coverage. Surprisingly, families that earn over $50,000 per year are also not likely to have insurance, even when it is offered by their employer, because they just cannot afford the hefty premiums. If a family earning that kind of money cannot afford health insurance, how on earth could a family who earning half of that or less be expected to buy health insurance?

Being uninsured means that serious illnesses may go undiagnosed or untreated until it is too late. Even something as simple as the flu may cause complications and even death if left untreated, a common worry for those who cannot afford health care.

Many medical clinics ask that the uninsured pay their fees upfront to avoid the risk of unpaid bills piling up. Those who are unable to pay upfront must then live in sickness and agony, not getting time off work or any other kind of compensation. Most parents will not choose their own health care over putting food in their children’s mouths, and that is often what the choice comes down to. Do they take the money to go to the doctor, or do they go to the grocery store?

We all know what the answer will be.

An uninsured person is more likely to end up hospitalized for an avoidable condition, with the cost of that stay being around $3000. If that person had been seeing a doctor, such a condition could be caught, treated, or maintained. Hospitals treat patients without insurance to the tune of nearly $34million dollars every year, without compensation. That cost is added back to the general public by higher hospital bills, which then increases insurance rates, and you guessed it, forces more people to go without.

Affordable health insurance in America is not something we need to talk about during election years. It is something we all need to focus on and fix now, realistically and fairly. Health insurance should not be a luxury, or an option for a select few. It should be mandatory and it should be affordable for all.

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Imagine being able to buy your insurance without ever having to be put on hold, sitting there while precious minutes of your life slip away listening to Muskrat Love for the fifteenth time . What if you could just check out policies, compare prices, make your selection, print out a card, and bingo bango, done? It’s not just a dream any longer. Online insurance is not only easier and faster, it is far cheaper than traditional agent based policies.

First, the agent is going to try to sell you more than you really need. It is his job after all, and he earns his living by selling insurance. The more that he sells, the better for him, but the more costly, obviously for you. Do you really need full coverage on that ‘73 Vega wagon? With the online sites, you plug your personal information into the forms and you get a quote from several different companies. You make your selection based on your personal needs, and then you buy your policy. At the end, you print your id card and you are done, usually in less than fifteen minutes of time. And you have done it all without Muskrat Love, unless you like that song.

But, why is it so much cheaper? First, you get rid of the agent, so there are no commissions to deal with. Second, there is not a building to raise premiums prices to cover overhead and expensive upkeep. Third, there is no paper billing to raise prices either. Some sites only accept credit/debit cards or Paypal so that they can completely eliminate any kind of paper-generated contact at all. All of these savings are then passed onto the consumer. Some of the bigger online companies do advertise, while others do not, so comparison is very important. Of course, you know some of the companies by name or logo, but do not be lured in thinking they are automatically the cheapest or the best for your needs.

There are countless online insurance sites, so do your own research. Find the ones that allow you to get multiple quotes. If there is a problem, will there be a human to resolve it? What about claims? Will you be able to reach an actual person in the middle of the night? Don’t sacrifice all of the amenities for cheaper and easier- there are times when you actually need a human touch. Getting a great deal on your insurance is fabulous, but not at the cost of service.

What about filing a claim online though? If, for instance, you were in a minor fender bender, without injury, can you file a claim online as well? Don’t just look at the final price of an online policy; compare services and options as well. Make sure that there is a way to get hold of a real live person if there are further questions that cannot be answered from a website.

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Insurance is something we all grumble about whether we pay every month, every six months or every year. Car insurance, house insurance, boat or motorcycle insurance, it does not matter. We all gripe about having to pay it, the high cost and the seemingly futility of paying for something that you pray you never need: then one day, blammo!, you need it, and boy are you ever glad then. But insurance, as odd as it might sound, can actually save you money in the long run. How, you ask? Simple.

First, not having insurance on your car is against the law. Get pulled over and you have just racked up fines, court costs and a possible loss of your driver’s license.

Depending on your line of work, having a valid driver’s license, a good driving record and insurance might be a prerequisite. Your lack of insurance may have very well just cost you your job on top of the fines and court costs. Still think insurance is not worth the cost, now?

Or, let’s try this scenario out: you invite several friends over for a little holiday sing a long. In the rush of the evening, you have forgotten to shovel and salt your sidewalk and your steps, and now one of your guests is laying in a hideous heap on the front lawn. Do you have the money to pay for that person’s medical bills out of pocket?

You are responsible, you realize, but you can barely pay your own bills, let alone someone else’s. You try to put this person off for a bit, hoping that they will heal and forget all about the whole incident. Unfortunately, now they have been off of work for too long and lose their job, and to them, this is all your fault and now you are faced with a lawsuit. A good homeowners policy would have covered the medical bills and none of this would be happening to you right now!

Insurance saves you money by protecting you and your investment in the event of an unforeseeable event.

You did not plan to hurt your friend, but your carelessness caused an injury, insurance would protect you. Driving without insurance is a danger even without the cops being involved. What would you do if you hit the only Lamborghini in your neighborhood? You do not want to have to spend the rest of your life paying for one minor accident after all. And lastly, if you wreck your car into your tree causing it to smash into your home, what would you do then? You would have no car and no place to live, and since you don’t have insurance, you have no one to help you replace either. But, at least you saved a few extra bucks each month by not having it, right?

If you just lost your home and your car, how will you get to work each day, and what will you wear?

Insurance is not just saving you money, it is saving you peace of mind. Yes, you do pay for it and then pray not to use it, but it is far better than not paying for it and really needing it somewhere down the line.

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Congratulations! The birth of a new baby can be such a joyous time, filled with wonder and hope. It can also be a time filled with a million different questions as you try to do the best for the new life that has been entrusted to you. You make sure that they have the best diapers, the safest crib and the cuddliest baby blanket. But, what exactly are the insurance needs for a newborn?

Most insurance plans allow for the addition of an infant upon birth, but for peace of mind, schedule a review a few months in advance of your delivery date to be sure of when coverage will begin for your bundle of joy and exactly what procedures will be included.

There are many tests that are performed on even the healthiest infant, as well as some specialized tests that may be asked for based on genetics. If your health insurance does not cover your child, you might look for a plan that covers him; infants have multiple visits to the pediatrician in their first year. Without insurance, this can get expensive very quickly.

But, what about life insurance? No one wants to think about anything bad happening to their child, but tragically, it does. Beginning a life insurance policy at birth can relieve some of the financial burden brought on by an unexpected tragedy, and can have other benefits as well.

Locking in to a low rate term life policy when your child is a newborn will give them a policy that does not increase when they reach the age of eighteen. Paying into some policies can be like buying into a savings plan for them as well, when they reach a certain age, ( 18 for some, 21 for others and some as late as 25), they can choose to continue on with the policy at the low rates or cashing it out. That money can come in handy for college expenses or for off setting the cost of auto insurance on that first car. Either way, it is better that they have the low rates which start at birth, rather than the higher rates of teenagers.

Some children will qualify for state sponsored health care which will cover medical, dental and vision well child visits as well as some emergency treatments. There are limits to what these plans will cover and the parents must usually be income eligible.

There is of course a push to increase the number of children that will be covered by these types of policies, but the change is coming slowly. Some parents will still fall between the line of making too much money to qualify for state sponsored health care, but not making enough to be able to afford private insurance.

If there are special needs with your newborn, the possibility of receiving state health care increases, but not always. If the special needs are the result of a medical mishap during birth, then there might be legal recourse, but that may take years to battle through, all the while bills will be piling up, harming your credit and making stress for the entire family.

Having a baby is expensive, but having an uninsured baby can be even more devastating if illness or tragedy strikes. A grow with me policy can be rolled over to an adult policy with a lower payment and can be kept until usually age 25, or can be cashed out for college or other expenses.

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Your business is like one of your children. You built it from the bottom up, you nurture it and pray that it flourishes. By all accounts, it is doing well, until an accident in front of your building has nearly crippled you. Your insurance needs are important, to protect yourself and your blossoming business from financial devastation.

Make sure that your disability and liability needs are assessed by your financial planner and act accordingly.

Liability insurance is figured on your businesses size or by payroll, as well as by the specific risks involved. Personal injury will have limitations on it similar to auto insurance. Liability insurance can also ease part of the cost of investigation, litigation and resolution of disputes, something to consider if your business is one that gets hit by frequent lawsuits.

How much liability insurance do you actually need then?

Again, depending on the size of your company or by your payroll, it could be as low as a few hundred thousand dollars to a few million. You must do all that you can to protect your business and your employees. As with any insurance policy, there are omissions and exclusions and you must be well aware of what is and is not covered. Consider an additional policy called an errors and omission policy to cover legal actions or injuries because of a mistake with work. Bigger companies will also need to consider other types of liability insurance specifically designed to protect the upper level executives against action against the company itself.

Of course, in addition to liability insurance, you will still need to insure the building itself, and if you have them, any company vehicles.

Although they cannot all be written as one policy, it is a good idea to get all insurance products from the same place to avoid confusion and needless duplication.

But what about disability? In the shaky, early days of your business, any sickness or illness to you can spell the end. What if you are in a car wreck and remain in the hospital for a week or more? Will your business last through that? Disability insurance will cover some of your operating costs if you are injured or ill, possibly keeping your business head above water until you are well enough to get back to work.

Disability insurance also covers your employees if they become injured on or off the job, paying their salary at differing percentages until they can return to work. Some companies automatically offer a policy which can increase the amount of pay, while others do not, but either way, it is a very necessary expense.

Consider this: would you rather pay for a disability insurance policy to protect your business now, or watch a lawsuit from an angry, injured former employee destroy your hard work?

You want your company to succeed, everyone knows that. That is why you have hired only the best employees, painstakingly chose the best location, ran the best advertising campaign. Don’t blow it now by not having enough liability and disability insurance to truly protect your company.

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