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Most of us are aware that our driving history impacts not only our ability to get auto
insurance but the rates we pay as well. These days there is also another and equally
critical factor insurance companies use, our credit report.

Insurance companies consider your credit report and credit score as a valuable tool to
assess the risk in insuring you. A higher credit score reflects responsibility and
makes it less likely you will make claims against your policy.

A poor credit score may disqualify you from getting insurance with some companies. More
likely it will put you into an upper rate category with higher premiums for the duration
of that policy.

A recent study by the Federal Trade Commission concluded that "Credit based insurance
scores are effective predictors of risk under automobile policies. They are predictive
of the number of claims consumers file and the total cost of those claims. The use of
scores is therefore likely to make the price of insurance better match the risk of loss
posed by the consumer. Thus, on average, higher-risk consumers will pay higher premiums
and lower-risk consumers will pay lower premiums."

According to a recent industry survey over 90% of the top auto insurance companies use
credit data to evaluate new and renewing clients. Almost all insurance applications
now require you give permission to check your credit report. The insurance company
will request a report from one or more of the credit reporting bureaus; Equifax, Experian
or TransUnion.

The score used is created by a company named Fair Isaac and Company and is referred to
by different names at the different credit bureaus ; InScore at Equifax, the
Experian/Fair Isaac Insurance Score at Experian, and the Fair Isaac Insurance Risk
Score at TransUnion.

Credit scores range from 300 to 850 with the higher score being best. If your score is
below 620 to 650, you may have trouble getting insurance or may have to pay a higher
premium.

You can take steps to improve your score;

• Payment history: One of the largest factors is your account payment history. Delinquent payments and collections have a very negative effect on your score. While a steady record of on-time payments, the longer the better, shows responsibility.
• Amounts owed: You will be judged on the number, type and balances of accounts you already have. Try to keep balances low on credit cards and other revolving type accounts. Do not close unused credit card accounts and do not open too many new ones.
• Length of credit history: Nothing you can do to improve this other than wait, the longer your credit history, the better.

There are also consumer benefits to insurance scoring;

• Lower premiums: A good insurance score can show you are responsible and therefore qualify you for lower rates.
• Get insured faster: Insurance scoring can be obtained almost instantly allowing policies to be approved quickly. This also helps promote internet access to insurance for the ultimate in shopping around.
• Impartial decision making: Insurance scoring is intended to take gender, race, nationality, religion and other factors out of the consideration process and focus on the facts related to your insurance risk.
• More insurance products available: Using insurance scoring has allowed more companies to offer more products to a wider audience. This has lead to more competition which lowers rates overall and gives greater choices to us all.

The practice of using your credit report and insurance scoring looks like it is here to
stay and will likely be used by all companies in the near future. Some industry studies
even claim that credit based insurance scores are a better predictor of future claims
than driving records.

G Scott Lawrence is a 30 year licensed insurance adjuster and partner in Storm Survivor, LLC.

We offer web sites and products as a consumer resource for information and news about property insurance claims and insurance related topics. Informational original articles, excerpts from industry publications, links to insurance resources, consumer questions and answers.

http://AskTheAdjuster.com - Information on all types of insurance
http://InsuranceClaimMoney.com - Source for the Claims Money Kit
http://DisasterForum.net - Insurance topics forum

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Why is it that people will not shop around for the best home owner insurance rate quote but will do so for other things they purchase for their home. For most of us our homes are the expensive purchase we'll make. This purchase is actually an investment and as such we go to great lengths to keep it in tip top shape. The reason we do is we are protecting our investment and to make sure the value of our home increases. But as I'm sure you know not even the best care can stop forces of nature or accidents from occurring. That is why it is imperative to get as good a rate quote on the insurance for your home as you can.

The rate of the premiums you will pay is affected by different factors, including where you live. Why? This is because insurance companies adjust their rates depending on the likelihood of your home being damaged by a hurricane, flood, earthquake, hail, fire, or other natural disaster. Areas less prone to these problems will have lower premiums. However, subtler things can affect your rate quote, too. Even the way you keep up your home, the value of objects inside, and how you choose to insure it can have a bearing on your bottom line quote.

Should your home suffer damage from a calamity like a fire or natural disaster the value of it will decrease and so will your equity in it. This is the reason why, even if your lender does not require it, you should always maintain adequate insurance on your home. But be prudent and do some comparison shopping like you do for furniture, accessories and appliances. Don't by any means insure your home with the first quote you receive. Take that first rate quote and policy features and compare it with several other homeowner insurance rates quoted by different companies. Only after a careful review of costs and features do you choose the best and most affordable one for you. Keep this in mind that the best policy isn't necessarily the one with the lowest price.

The internet has made this task less of a chore. Now you can find sites representing all of the major companies online and with the click of a mouse you are able to compare rate quotes from different insurers. An added benefit is you can learn about home insurance on some of these sites before you get your quotes. The desired outcome is you will choose a company that gives you a combination of low cost and quality protection.

By doing a little research you are going to find that insurance is a pretty competitive field. This is good for you and the reason why not comparing quotes is not smart. You also could see a difference of several hundred dollars between quotes for what is basically the same plan, depending on the insurance company. Discounts are available in many cases, just be sure to ask about them because in many instances they won't be revealed other wise. You will keep money in your pockets and protect your property by simply searching for the best home insurance rate quote available.

Get More information on protecting your home click here Home Insurance Quote Online. Also go to http://Best-Home-Owners-Insurance.Com. Where you can get more info on your home insurance options including home owner flood insurance..home contents insurance, AARP home owner insurance and more...

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Wordpress and Blogger are the two dominant internet blogging systems. So it's only natural that there be heated debates over which one is better.

When people want to create a blog they basically have a choice between Wordpress or Blogger. And often times because they don't want to waste any time figuring out which one is better, they just go with the one that they found out about first or heard about somebody else using. But as they go around looking at other blogs they start seeing and hearing about other people using the "other" blogging software and start to wonder why they choose that service.

If your creating your blog for business purposes it's especially essential that you understand the advantages and disadvantages between the two.

Blogger....

Advantages

You can put Google AdSense into your blogs.
You can promote anything that you want, any way that you want, as long as it's not illegal or against there rules and regulations
It's free!

Disadvantages

Unless you have your own blog template or know how to design one your not going to get a top notch looking blog.
AdSense and other ads add a lot of clutter to pages and this can turn off visitors to your blog.
Very basic software that you can't do much with unless you have advanced blogging technical knowledge.

Wordpress

Advantages

Has great templates to choose from so even if you don't know much about designing blog you can still make a nice looking one.
Very User Friendly
Excellent for use on private domains
It's free

Disadvantages

Your not supposed to advertise products using wordpress, but they will allow you to advertise a few links if you don't over do it.
You can't personalize your blog to much unless you have your own hosting and domain.

And the winner is.... Wordpress!!

With the exception of AdWords, Wordpress offers everything that blogger has and more. And if you really want to have ads on your blog you can join some ad networks.

To learn how you can make money using blogs visit - http://www.seegarsproducts.com/bloggingonsteroids

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