Everyone who has a vehicle understands that auto insurance is an unfortunate necessity. Insurance company commercials are full of claims that they have the best rates or ways for you to lower your rates. This can lead to questions on how your insurance rate is calculated. The vehicle you select is only a small part in that calculation. Here are the other factors that an insurance company considers. What Coverage You Want

Staying safe on the road has more to do then simply just driving according to local laws. In fact, you'll often find that accidents can happen at the fault of others, making it a good idea to look into how comprehensive your auto insurance is. Instead of dealing with any problem on your own, no matter how large or small, take the time to look into whether your own insurance plan will cover the expenses.

If you've called for homeowners insurance quotes recently, you might have been surprised when you were asked for your date of birth and previous address -- or maybe even your social security number -- so the company could run an insurance score report for the quote. Auto insurance companies have been using them for a while, but companies are now starting to incorporate them into their homeowners products as well, so it's important to understand how it will affect your premium.

Dental malpractice isn't something you hear a lot about. Malpractice from regular doctors and surgeons gets a lot of attention, but there are many dental malpractice cases as well. When it comes to proving your dentist is guilty of malpractice, the burden of proof lies with you, the plaintiff. Here are three things that can hurt your dental malpractice case. 1. The damage, or injury, in question existed before the dentist treated you.

If you have been convicted of a DWI or DUI charge, you probably know just how costly these mistakes can be. From court costs to fees, fines and everything in-between, drinking and driving certainly isn't cheap. One additional cost is the impact that your recent conviction will have on your insurance rates. You can expect your insurance company to consider you as a high-risk driver, which can affect your premiums for three years and can cause you to pay $1,000 to $1,500 more for your auto insurance each year.

Are you certain that you know everything there is to know about your homeowners insurance policy? If not, it isn't your fault. All insurance policies tend to be a little complicated; you have to really dig through them, and you may not be able to understand all of the jargon. Because homeowners insurance policies can be so impenetrable, there are some misunderstandings involved in the process and the coverage. Below are the truths behind four of these misunderstandings.

When your child was younger, you did everything you could to keep your little one safe. Now that your child is driving, your role as guardian is no less important. In fact, with your teen behind the wheel of a vehicle, it's more important than ever to ensure that you've put the appropriate safeguards in place. These tips will help you make preparations for your teen to take to the road and drive independently.

If your household is like most, you're probably looking for ways to save money wherever you can. Because auto insurance is almost always a necessity, not an option, finding an affordable auto insurance solution is particularly important. Fortunately, you do have options that may lower your monthly premium. Mandatory Coverage Auto insurance coverage rules vary from state to state, but it's likely that your state has some minimum insurance requirements for every vehicle on the road.

Protecting the investment you have made in your home should be a major concern for you. Luckily, homeowner's insurance is a convenient way of accomplishing this goal. However, if you are a first-time homeowner, you probably do not have much experience buying these policies. This may make this seem like a confusing process, but learning the answers to a couple of common questions should help you better understand this type of essential protection.

If your son or daughter is getting ready to go to college, you probably have a lot of things on your mind. Car insurance probably isn't one of them, but now is a good time to make changes to save yourself a little bit of money. With the rising cost of sending a child to college, you're probably looking for ways to cut costs in any way that you can.