Release Date:
Release ID: 3382

Insurance Checklist For 2009 has been helping consumers save money on insurance since 2004.

North Hollywood, CA ( Freightnet ) January 21, 2008 — has been helping consumers save money on insurance since 2004. As part of a continuing dedication to educating consumers on insurance issues, recommends all individuals assess their insurance needs and coverage for the New Year. “Having too little coverage can set one up for financial disaster,” explains Eric Oster, CEO of “However, an insurance shopper can save money by getting just the right amount of coverage, not too low, or too high,” he explains.

1. Get current ( insurance quotes and compare With foreclosures and unemployment rates rising, it is important to conserve money whenever possible. Instead of cutting out insurance, use a free insurance quote comparison website like to compare quotes on insurance. Even if you already have existing coverage, it is good to check on current insurance quotes as rates can change without a consumer being aware of it.

2. Assess your ( home insurance or renters insurance needs Former home owners who are now renting can consider getting a renters insurance policy, which is a form of home insurance. Renters insurance policies can cover the contents of an entire home for as little as $15 a month in some cases. Renters insurance also provides a measure of liability protection in addition to fire and theft insurance coverage. Renters insurance covers belongings, the landlord or owner of the rental property has insurance to cover the structure of the building, but this does not extend to personal home contents.

3. Adjust your ( auto insurance to reflect your current circumstances If a consumer's driving habits have changed and they now drive much less, a pay by the mile type of auto insurance could save a considerable amount of money. Consumers with very old cars may consider dropping collision coverage if the blue book value of their vehicle is very low, but this should be discussed with an insurance broker. Unfortunately, uninsured motorists are increasing as people drop auto insurance due to financial struggles from a weak economy. Propping up your existing uninsured motorist coverage may be a good idea as well. Individuals may choose to offset the costs by increasing the deductible on their auto insurance and keeping the deductible amount in a liquid savings account for emergency access.

6400 Laurel Canyon Blvd, Ste 460

North Hollywood, CA 91606

Phone: 800.647.2164

Fax: 800.647.2142

Eric Oster



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