By Shannon Brown
Every year, thousands of boating accidents happen in the United States. Out of this, 60 percent results in some kind of injury. Aside from accidents, boats also get stolen. This is why it is very important to get boat insurance. With all the dangers, it would be crazy not to get boat insurance.
Here are a few useful tips when shopping for boat insurance.
1. You should look for an insurance company that is responsive & always available. It is very critical that your company responds when you really need assistance. Help should always be close by when an accident happens, when you need claims or emergency service.
2. You should look for an insurance company with good customer service. It is advisable to choose a company with a large network of agencies, claim centers, and helpful employees that are ready to serve you whenever you need them. In such a case, you can be sure that you will be treated fairly and promptly.
3. Choose an insurance company that is financially stable. Ideally, one with a long history of service to boat owners. Companies with a rich history are generally more stable than new ones. A good way to check the financial stability of an insurance company is to do some research. Check out the financial ratings of A.M. Best and Standard & Poor's for insurance companies.
4. Get boat insurance from a company with a good reputation and high standards.
5. Choose an insurance company with a wide variety of coverage options. This is very important because your needs as a boat owner are very unique. The company's menu of products should accommodate a circle of protection for your needs both today and tomorrow.
6. Boat insurances come in different prices ranging from the affordable to the ridiculously expensive. It is important to understand the policy and service promises behind the price of the boat insurance It's better to pay for an expensive but good quality boat insurance than a cheap one with limited features. It is not advisable to accept low protection just to get a lower price. Make sure that you get the protection you and your boat require.
7. Consider the type of boat you own before getting boat insurance. Do you own a motorboat, a personal watercraft (PWC), a boat without a motor (canoe, kayak or rowboat)? Consider also circumstances in which you plan to use the boat insurance.
8. Though boat insurance is designed to protect your boat, it is also advisable to take note of the other coverage options available. An important boat insurance option is the medical payment coverage which can offer medical protection for you and your passengers. You can never be so sure of your and your passengers' safety when your out at sea.
9. Another option to consider is water liability coverage. There may be instances when you will accidentally injure a person while on the water, a passenger, a swimmer or a water skier perhaps. This is where water liability coverage comes in handy. This type of coverage also protects you if you collide with and damage another boat or if you hit a rock.
10. The most important option is the physical damage coverage. This coverage will come in very handy if you hit another boat, a submerged object or a dock and damaged your boat's motor. The physical damage coverage usually has two components:
a. Emergency services protection. This type of coverage provides protection of up to $100. It covers towing and mechanical labor if ever your boat breaks down while you're in the water. Also available is an extra emergency services as an optional coverage for an additional premium.
b. Physical damage protection for valuable boat equipment. This type of coverage protects your valuable boat equipments such as boat covers, docking fenders, portable gas tanks, life jackets, anchors and anchor lines, sonar equipment, water skis, cushions, and your boat engine, compass and gear. Also available is an extra boat protection at an added premium. There is also on the road protection for your boat, trailer and equipment. This also covers protection if ever your boat, motor or trailer is stolen.
An additional way to keep the cost of the boat insurance policy is to not grossly underestimate the worth of your both. Appraise the boat for what it's worth. No more, no less. You can also get boat insurance policy if you take a boating lesson so better asks around.
Shannon Brown is the owner of boatinginsurancecenter.com
This site caters to boat owners and the growing need for quality boat insurance.The site has numerous links and resources. You can visit the site at:
Boating Insurance Center [http://www.boatinginsurancecenter.com
Article Source: http://EzineArticles.com
Monday, July 5, 2010
Auto Owners Insurance - Finding the Best Rates
By Neal Adam Hamou
Auto owners insurance is required by law in most states and offered to consumers by competing insurance companies. Choosing your auto insurance provider is an important decision that, if not handled properly, has the potential to cost you far more than necessary. In order to get the best deal on the type of coverage you need, get a minimum of three quotes before choosing your auto insurance provider. However, because different insurance providers offer different discounts, it can be beneficial to get even more than three quotes.
Years ago, you would have to take time to call several different insurance companies or visit their agent's offices. However, by using an internet comparison website, you can compare up to eight auto insurance providers at one time without ever leaving your house or having to pick up a phone book. The convenience is wonderful. Simply enter your personal information, the coverage you desire and let the website find the best rates for the coverage you need. It will be finished for you quicker than possibly could be done over the phone or by visiting an agent. Best of all, you will find the all deals available.
Once you have received your quotes, it is time to compare the information. It is not enough to simply find the cheapest policy, but it is necessary to compare the coverages with the prices. The cheapest one may not offer adequate coverage and cost you severely if you happen to ever be involved in an auto accident. With most auto owners insurance policies, you will have the convenience to be able to purchase them instantly over the internet.
With auto insurance comparison sites, you can become more knowledgeable about your insurance options and choose the right auto owners insurance policy for you and your family.
Filling out a simple online form at AiQuotes.com takes only a few minutes and makes finding [http://www.aiquotes.com/articles/auto-owners-insurance/]auto owners insurance a breeze. Remember, the best and quickest way to compare [http://www.aiquotes.com/]cheap insurance quotes is through a site like AiQuotes.com.
Article Source: http://EzineArticles.com
Auto owners insurance is required by law in most states and offered to consumers by competing insurance companies. Choosing your auto insurance provider is an important decision that, if not handled properly, has the potential to cost you far more than necessary. In order to get the best deal on the type of coverage you need, get a minimum of three quotes before choosing your auto insurance provider. However, because different insurance providers offer different discounts, it can be beneficial to get even more than three quotes.
Years ago, you would have to take time to call several different insurance companies or visit their agent's offices. However, by using an internet comparison website, you can compare up to eight auto insurance providers at one time without ever leaving your house or having to pick up a phone book. The convenience is wonderful. Simply enter your personal information, the coverage you desire and let the website find the best rates for the coverage you need. It will be finished for you quicker than possibly could be done over the phone or by visiting an agent. Best of all, you will find the all deals available.
Once you have received your quotes, it is time to compare the information. It is not enough to simply find the cheapest policy, but it is necessary to compare the coverages with the prices. The cheapest one may not offer adequate coverage and cost you severely if you happen to ever be involved in an auto accident. With most auto owners insurance policies, you will have the convenience to be able to purchase them instantly over the internet.
With auto insurance comparison sites, you can become more knowledgeable about your insurance options and choose the right auto owners insurance policy for you and your family.
Filling out a simple online form at AiQuotes.com takes only a few minutes and makes finding [http://www.aiquotes.com/articles/auto-owners-insurance/]auto owners insurance a breeze. Remember, the best and quickest way to compare [http://www.aiquotes.com/]cheap insurance quotes is through a site like AiQuotes.com.
Article Source: http://EzineArticles.com
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