Most auto policies are issued for six months or a year, says Robert Hunter, director of insurance for the Washington, D.C.-based Consumer Federation of America. Ideal times for checking out other carriers and their prices include when you move, when you buy a new car, or a month or two before your policy comes up for renewal. Compare auto insurance rates to get the best deal. You want to gather at least three rate quotes. In addition, you want to understand what's covered and how much protection you'd have from a new policy. It's important to ask about details such as the amount of liability protection, bodily injury protection and the kind of coverage provided if you're hit by an uninsured or underinsured motorist, notes Deeia Beck, the state insurance consumer advocate in Texas. If you'd rather have someone do the research for you, independent insurance agents are an option.
Source: http://abcnews.go.com/Business/steps-switching-car-insurance/story?id=22397730

It's important to ask about details such as the amount of liability protection, bodily injury protection and the kind of coverage provided if you're hit by an uninsured or underinsured motorist, notes Deeia Beck, the state insurance consumer advocate in Texas. If you'd rather have someone do the research for you, independent insurance agents are an option. Contact your current carrier. Your insurance company may be willing to fight hard to keep your business. It's amazing how quickly some insurers offer competitive discounts if you hint strongly at leaving, Beck says. Many companies will try to match or beat a rival's quote. Also, see if you're missing out on discounts with your current carrier.
Source: http://www.foxbusiness.com/personal-finance/2014/02/05/7-smart-steps-to-switching-your-car-insurance/

Meanwhile, the housing bust and recession have pushed the median home price down 35% since the markets peak. But the cost to rebuild a home after a total loss has increased by 40% since 20047% in 2011 alonethanks to rising building-material and fuel prices. So you could find yourself paying more for less coverage. Worse, you may not have enough insurance to cover the full cost of rebuilding your home and replacing its contents in the event of a fire, a tornado or some other major disaster. SEE ALSO: Spring Home Maintenance Checklist Use your annual renewal notice or any improvements to your home as cues to touch base with your agent or insurer. Recheck how much insurance you really need and comparison-shop, taking advantage of opportunities to save. You can use the same tactics if youre buying a new policy. Check your limits In the aftermath of a total loss, every homeowner says, My insurer told me I was fully insured, says Amy Bach, executive director of United Policyholders , a consumer advocacy group.
Source: http://www.kiplinger.com/article/insurance/T028-C000-S002-check-up-on-your-home-insurance.html

Life insurance for over 50 years old seniors can be purchased through different plans. Healthy people in their 50s can find affordable life coverage. Many agencies will insure people up to the age of 60 years and some, even up to 90 years. Since life insurance rates are influenced by the insureds age, the earlier someone buy a policy, the cheaper the premiums will be. Seniors should consider purchasing life insurance for various reasons. Life insurance provides a death benefit after the insured passes away.
Source: http://insurancenewsnet.com/oarticle/2014/02/03/affordable-life-insurance-for-over-50-years-old-a-454827.html

Nowadays, seniors have higher chances of qualifying for a life insurance plan because some life insurance policies do not require medical examinations. They have a simplified application process: seniors need to complete a simple medical questionnaire. Some plans sell coverage for people over 65 years old. It is important to have life insurance as a senior. Since funeral costs are high, many families will benefit from insurance proceedings. The benefit provided by a life insurance plan can be used to cover last expenses. Surviving family members can also use the money to cover daily living expenses or urgent costs like mortgage rates.
Source: http://www.virtual-strategy.com/2014/02/02/life-insurance-policies-without-medical-exam-are-available-seniors