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You should review your auto insurance policy on an annual basis.  Here are some items to look at: 1)      Deductibles: In some cases, your deductible may be set too low. The premium you pay for that lower deductible rate is, a lot of times, more than the deductible you would pay out in an accident. READ MORE >>

Dental insurance is usually something an employer will include in a health plan. But, not always. Dental insurance can be an individual, family or group plan. So, what is dental insurance all about and how can you save on the costs? Dental insurance supplements good dental care; it doesn't make up for it. READ MORE >>

For insurance companies to stay in business, they must adjust their premiums to offset risk. The greater the risk to insure someone, the higher the premium. For some of these risk factors, there are things you can do to minimize them and lower your car insurance premium. The Type of Car READ MORE >>

You’ve heard it over and over again—smoking is a nasty habit. Countless studies have proven the adverse side effects and illnesses that cigarettes can cause, including cancer, lung disease, stroke and more. As if that’s not reason enough to quit for good, the affect smoking has on your life insurance premium just might be the convincing factor. READ MORE >>

Nobody likes getting a traffic ticket--they're expensive, cause your auto insurance rate to increase and are a real pain in the you-know-what. But according to a new study, a ticket could save your life.  Research published in The Lancet, a medical journal, has found that drivers are more conscientious after being ticketed, at least for a while. READ MORE >>

Minor car accidents are a hassle, while major car accidents are downright dangerous. But, learning about why car accidents occur and how you can prevent them can help you stay safe on the road. This article discusses the three most common causes of car wrecks and offers tips to keep them from happening to you. READ MORE >>

Paying for various types of insurance takes a chunk out of your income, but there are plenty of ways to save! The first step is to work with an independent agent, who will evaluate your unique coverage needs and budget limits to find you the best combination of policy and price—hassle- and worry-free. READ MORE >>

Arizona ranks high in the list of states that have the most expensive auto insurance rates, and with over 3.3 million insured cars, it’s important to learn how you can trim your premium down to a more manageable price. There are ways for everyone to save money, even high risk drivers. READ MORE >>

Searching for auto insurance doesn't have to be a challenge. In fact, your local independent agent can do most of the work for you. But even with an agent shopping for your quotes, you’ll still be responsible for providing quite a bit of information. READ MORE >>

Arizona State Minimum Auto Insurance Requirements Arizona has a financial responsibility law. It is designed to make sure that any motorist licensed to drive in Arizona has insurance or enough money to pay for damages to others that may be caused by an operator of a motor vehicle. READ MORE >>

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