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If you own a vehicle, AUTO INSURANCE is an absolute necessity. Why? On average, an auto accident occurs every five seconds in the United States. With each accident comes the risk of serious injury to drivers, passengers and pedestrians, as well as damage to personal and public property. To better understand why auto insurance is important to you, consider the following:

* An automobile is one of the largest purchases many people will make in a lifetime. Auto insurance protects your investment by providing money for repairs or replacement in the event of an accident.
* If you're at fault in an accident, auto insurance protects you against financial loss due to property damage, medical expenses and potential lawsuits.
* Most states require drivers to carry liability insurance. In fact, the consequences of driving without liability insurance range from impounded vehicles to heavy fines or even jail time.
* Despite the stiff penalties of driving without insurance, approximately 14% of drivers in America are uninsured. Uninsured/underinsured motorist coverage protects you if you're injured or your property is damaged by a driver who has no insurance or who doesn't have enough coverage to pay for your loss.

Whether you're shopping for insurance for a new car or looking for a better price on your current auto insurance, let InsuranceQuotes.com help you find the coverage you need at just the right price. Get your free auto insurance quotes today-and see just how much you could save!

If you have a mortgage on your home-like most homeowners today do-your lender requires you to carry HOMEOWNERS INSURANCE in an amount sufficient to protect its financial interest. But there's a lot more to home insurance than meeting your lender's requirements. By making smart decisions about the homeowners insurance you buy, you'll make sure that your interests are protected, too.

Typically, a home insurance policy protects you in three important ways:

* Structures - Your homeowner's policy protects you against loss caused by accidental or weather-related damage to your home or other structures on your property. Home insurance also covers your expenses if you cannot live in your home for a period of time due to a covered loss (such as a fire, for example).
* Personal Property - Home insurance protects you and the members of your household against loss of personal property due to damage or theft.
* Liability - Liability insurance pays for medical expenses or other claims against you if a guest is injured while on your property or in your home.

If the topic of LIFE INSURANCE makes you uncomfortable, you're not alone. Although death is a certainty, thinking about our own passing or the passing of someone we love is always painful. Even so, if you have a spouse or children who depend on your income, you want the peace of mind that comes with knowing they will be okay after you're gone.

The reasons for buying life insurance are as varied as the types of policies available, but they all boil down to one main purpose: financial protection for your family. Depending on your circumstances, the proceeds from your life insurance policy can:

* replace lost income;
* pay off debts; and/or
* cover burial and estate expenses.

While only time can heal the grief that comes with the death of a loved one, life insurance provides one way for you to make sure your family's needs are met should the unthinkable happen.

Medical care is costly-so costly, in fact, that consumer studies attribute half of all personal bankruptcies in the U.S. to uninsured medical expenses. Unless you have group health insurance through your employer or an organization to which you belong, buying affordable health care may be the single most important thing you can do for your financial wellbeing.

If you're young and in good health, you may think of health insurance as an unnecessary expense. After all, you don't take medications, and you only see your doctor for regular check-ups. But the truth is that if you wait until you're sick to purchase health insurance, you'll pay a lot more-or even worse, you may find you're unable to get the coverage you need.

When you buy HEALTH INSURANCE, you're buying peace of mind. If you are injured or have a medical emergency, that last thing you need is to be worried about how you'll pay for your medical care. With health insurance, you can focus on what's most important-your treatment and recovery.

It's no secret that today's health insurance costs have skyrocketed. As an employer, you may think that you can't afford to provide GROUP HEALTH INSURANCE to your staff. But before you make such a judgment, shouldn't you consider how offering an employee health plan is good for your business?

The cost of health insurance is one of the number-one concerns of smaller businesses today. If your current group health premiums are breaking your budget, or if you have no health plan but would like to offer one, shopping for the best value in a quality plan is essential.

Whether your business is well-established or just getting started, BUSINESS INSURANCE can help you protect your investment against a variety of losses. Also, your state may require that you carry certain types of insurance, such as workers' compensation, in order to operate your business.

Your business may be eligible for a business owner's policy (BOP), which combines many important features of commercial property, general liability and business income coverage under one policy-coverages that are typically purchased individually at higher premium rates. Keep in mind, however, that a BOP does not cover all types of losses, and not all businesses are eligible.

You probably already know that dental care can be expensive. Even if you never need costly treatments such as root canals or crowns, routine x-rays and regular cleanings can put a big dent in your wallet. Here are some excellent reasons to carry DENTAL INSURANCE:

* To maintain a healthy mouth. Studies show that regular check-ups and cleanings help to maintain dental health. That's why most insurance plans pay 100% for regular check-ups twice a year.
* To pay for costly dental treatments and repairs. Even if you practice good oral hygiene and preventive care, the time may come when you'll need more extensive dental work. Dental insurance generally pays all or a percentage of the charges related to your preventive care, as well as a portion of reparative or restorative work.
* To protect your general health. Studies suggest that tooth decay and gum disease may contribute to health problems, increase a woman's risk of preterm delivery or a low birth-weight baby, or pose a serious threat to people whose health is compromised by chronic conditions such as diabetes, respiratory diseases, or osteoporosis. Routine check-ups and cleanings play a large role in keeping you healthy in the years to come, and dental insurance will help you pay for this preventive care.

Many people who rent their homes think they don't need renters insurance-isn't that the landlord's responsibility, after all? Actually, nothing could be further from the truth. Your landlord is obligated to carry insurance on the building you rent in order to protect his investment. But should a fire damage your rented dwelling, for example, your landlord's insurance will not protect you against damage to your personal property, such as furniture, electronics, clothing, and other valuables.

That's where RENTERS INSURANCE steps in. Whether the cause is fire, water or even lightning, renters insurance safeguards you against financial loss resulting from physical damage to your personal belongings. It also covers you if your possessions are stolen (even if they're in your car). And if you are sued by a guest who is injured in your home, renters insurance may provide coverage for legal expenses.

Think your personal property isn't worth the expense of insurance? Think again! Start by taking a thorough inventory of your possessions. List each item, when you acquired it, the price you paid, and what it would cost to replace it today. You may be surprised at just how much your belongings are worth. And considering that premiums run as low as $20 per month, can you afford not to carry renters insurance?