Insurance a key part of my financial plan

Why is Insurance a key factor in my overall insurance plan?

There are few financial topics more important (and, sadly, more mundane) than insurance. No matter how diligently you build your financial empire, failure to purchase adequate insurance can put you in a desperate hole in a heartbeat. On the other side of the coin, few things will attack your investment returns more insidiously than paying too much for insurance or, worse, paying for insurance you don't need.

So, you may be thinking now, "I don't need insurance." To that we say: Most likely you do. If you own things that will be very hard to replace without facing severe financial hardship, these things ought to be insured. In general, think of insurance as "hardship avoidance," not "convenience" or "hitting the jackpot."..... Insurance Basics

US House expands health insurance to cover mental illness

Today the House of Rep, passed new legislation that will require Health Insurance to cover mental illness....

"The House of Representatives voted to require equal health insurance coverage for mental and physical illnesses when policies cover both.

The 268-148 roll call was cheered by advocates who have been fighting more than a decade for what has come to be called mental health parity.

Supporters said the measure passed Wednesday night would help end the stigma of mental illness in the United States and create greater access for people needing mental health and addiction treatment.

Opponents warned it could drive up health care costs and force some employers to drop insurance coverage......" Health Insurance Coverage for Mental Illness

Hopefully this will not cause health insurance rates to increase to cover this additional benefit .

Are you covered if you borrow your friend's car

Are you covered if you borrow your friends car?

Occasionally, you may need to borrow your friend's car to
run an errand, go to work or complete some other task. When you do this, do you
know if you're covered by your neighbor's auto insurance policy?
In most
states, the answer to whether you're covered or not depends on how much you're
using the vehicle and what you're using it for.
As always, auto policies may
differ by state, so be sure to check your state's policy to see how you're
covered. every insurance policy is different, check your own policy for coverage" Are you covered if you borrow your friends' Car? Car Insurance Dick Watts Insurance 502-245-3625

Proper Tire Maintenance can enhance performance

"Head out on the highway, and you're sure to think about
what music you've brought along, whether your mobile phone is fully charged and
if you have enough gas to reach your destination. For most of us, the tires that
keep our vehicle in motion are little more than an afterthought — unless they
cause a bumpy ride or one of them goes flat. Yet, having the right tires on a
vehicle and ensuring that they're inflated properly goes a long way toward
maximizing performance, safety and fuel efficiency....." Progressive Insurance

Call Watts Insurance 502-245-3625 for a free Auto Insurance Quote

Tips for Servicing a Subaru Affordably

In addition to being attractive, reliable and safe, Subarus are some of the most environmentally clean and fuel-efficient cars on the market. They perform well in crash-tests, are known for their endurance and they handle well on the road.

Occasionally, even these popular cars need a little servicing though. To take care of the Subaru you use every day, you will need both knowledgeable technicians and reliable parts. Even if you aren't car-fixing savvy, you can save yourself a little bit of money by shopping for replacement parts on your own.

Subaru parts can be found quickly at many reliable companies online and many of those companies sell the parts you need at prices far below the factory list prices. Even if you need a mechanic to identify the problem, they can help you shop for parts on your own by simply telling you the replacement part you need along with its item number. Then all you need to do is enter the part number along with your car model and the year it was made in a search for an affordable, authentic Subaru part.

When you shop around for the most affordable Subaru parts, try to find a company that has a wide selection of parts for you to choose from. There is nothing more frustrating than investing some of your precious time looking for a good deal and getting your hopes up when you find the price you need listed for a good price just to learn that it isn't really available. Choosing a company with a well-established history of good customer service can save you some headaches too. Companies that handle a lot of orders can meet your need with speed and efficiency that has come with years of practice.

Some discount parts suppliers may be able to service your vehicle as well. If you are lucky enough to live close to a company like this, you can save a lot of time because they won't need to wait a couple days for a part to come that they already have in stock. Consequently, you get a good deal on the part and the convenience of speedy service.

Whether you drive a larger Subaru Forester with your family, the mid-sized Subaru Legacy for its space, or the showy, turbo-powered Impreza to make driving fun, you can cut the cost of reliable Subaru parts by buying them yourself through discount companies.
Article Source: http://www.articlesbase.com/cars-articles/tips-for-servicing-a-subaru-affordably-351057.html

RV Insurance Free Pet Injury Coverage and new discounts now available to Progressive RV customers

Free Pet Injury coverage for Progressive RV Customers

"Do you travel with your dog or cat when RVing? Is your pet not just a companion, but a member of your family? You're not alone. Most of the 8 million RVers — according to the Recreational Vehicle Industry Association — bring pets along on trips. If this includes you, new Pet Injury Coverage from Progressive is for you. RV Insurance Quote
Today, RV insurance policies cover the people but not the pets... inside RVs. Beginning March 31 in most states, Pet Injury Coverage, free with Collision and Comprehensive, pays up to $500 if a dog or cat is hurt or dies because of a crash, fire or flood...." from ProgressiveInsurance
Free Pet Injury Coverage with Progressive RV Insurance with Comp/Collision
Call Mike Watts at Watts Insurance 502-245-3625 for a free RV Insurance Quote
visit Kentucky-Insurance.com

6 Ways to Save on Auto Insurance

6 Ways to Save on Auto Insurance from Smart Money

"GOOD NEWS, DRIVERS: insurance premium hikes have hit the
breaks. The Insurance Information Institute (III) projects a 0.5% decrease for
2007, bringing average annual costs to $847. This marks the first decline since
1999.
But just because prices aren't breaking the speed limit doesn't mean
you should be complacent about costs. With a few relatively painless steps, you
can probably find yourself a cheaper policy. Here are six ways to save:
1.
Shop AroundYou've heard it before: When looking for a new policy, get at least
three quotes. And if you really want to save, gather several more than that.
According to a 2004 survey of more than 100,000 consumers across the country,
conducted by Progressive
Insurance, rates for comparable coverage can vary by
more than $500 for six months' worth of coverage.......Smart Money Auto Insurance Savings