Author's articles
Dreams and practicality
By Marcus Stalder · 13 years ago
When you look at all the movies, television shows and mainstream magazines, the successful people in our society are all supposed to be mercenary, interested only in demonstrating their wealth by conspicuous consumption. That means ...
Buying on credit
By Marcus Stalder · 13 years ago
In the days when the real Protestant values of piousness and frugality were expected in behavior throughout the land, people saved and only bought when they had the cash with which to pay. Borrowing was ...
Compare and weep
By Marcus Stalder · 13 years ago
The question of geography always gets the most impact when you look at the way the insurance industry uses the ZIP codes. These are small areas of towns and cities and only small numbers of ...
More about those tickets
By Marcus Stalder · 13 years ago
There are many who complain about all the irrelevant factors insurers take into account when setting premium rates. It's unfair for them to look at where we live. And just what do out credit scores ...
Make and model
By Marcus Stalder · 13 years ago
Realtors have this saying that the value of a property is down to location, location, location. It's pretty much the same when it comes to vehicles. If you like those small red things without anti-roll ...
Crash taxes
By Marcus Stalder · 13 years ago
Are you a safe driver? Yes, we know this is an insulting question. Everyone who gets behind the wheel of a vehicle is safe. But, in the quiet moments when no one else is around, ...
What is the link between insurance rates and credit score?
By Marcus Stalder · 13 years ago
A lot of car owners don't even suspect the fact that such seemingly unrelated things as auto insurance rates and credit rating have a very strong bound. Moreover, a customer's credit rating may be the ...
Check your credit history
By Marcus Stalder · 13 years ago
If everything was left to common sense, the whole business of writing insurance would be easy. All you would need is an assessment of the individual's driving ability. Good drivers have fewer accidents so pay ...
What did you do?
By Marcus Stalder · 13 years ago
Some wiseacre once said that only death and taxes are certain in this life. Except of course, it's not certain who said it first. Some less patriotic folk claim Daniel Defoe was first out of ...
What's the story on deductibles?
By Marcus Stalder · 13 years ago
When insurance was going through the R&D process, the basic idea was for a group to share the cost of the risk. This made disaster bearable for everyone. Curiously, it was not really a profitable ...
Bankruptcies Don't Cause Drastic Rate Hikes
By Marcus Stalder · 13 years ago
Why do people get insurance? Out of love and care for their families. Out of a sense of obligation. Out of a need for security.
Why do people file for bankruptcy? To protect their futures ...
How Hurricanes Beat the Insurance Companies
By Marcus Stalder · 13 years ago
Have you ever tried to predict a hurricane? Ever watched the meteorologists on television try? It's frustrating at best and completely insanely impossible at worst.
Yet insurance providers have to try. Otherwise, they wouldn't know ...
Falling Home Values Could Mean Savings
By Marcus Stalder · 13 years ago
Do you want the good news or the bad news first? Well, you're going to have to skip down a bit if you are a good news kind of person.
The Bad News
Single-family home ...
Can State Legislation Make Insurance Affordable?
By Marcus Stalder · 13 years ago
State to state, insurance is regulated differently across the United States. While regulation is only one factor in the price consumers pay to insure their homes - the others being wealth, climate, weather, geological dangers, ...
Prepare for Winter Driving: 18 Tips
By Marcus Stalder · 13 years ago
If you live in one of those Winter Wonderland states-the ones with the immaculate snowy mornings-you know well the dangerousness of icy roads, snow and slush, and the blinding reflections off the sheets of snow ...
Make Insurance Affordable: Pay in Installments
By Marcus Stalder · 13 years ago
Tough economic times makes for tougher financial times. The big lump-sum premiums are a big part of the epidemic of the uninsured-something sweeping the nation. Fortunately, it may be possible to pay in installments.
Economic ...
Life events that will change your insurance needs
By Marcus Stalder · 13 years ago
Changing your marital status, going on retirement or giving birth to kids - such events are important milestones in any person's lives that can change a lot of things. But rarely do people thing about ...
Things a young driver should know about
By Marcus Stalder · 13 years ago
Having your teen driver knowing about the basic safety measures while driving can sometimes lead to better insurance rates. Not to mention your kid's safety while he's driving the car. So here are five most ...
Insuring a senior driver's car
By Marcus Stalder · 13 years ago
Today, having your car insured is a must in most parts of the world. And while on one hand it's a good way to assure safety of the driver and other traffic participants, on the ...
Why considering collision coverage?
By Marcus Stalder · 13 years ago
When thinking about car insurance, most people tend to evaluate it as an unwanted expense and will take any chance to cut down its price. The most direct and obvious way to do so is ...