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    <title>InsureMe&apos;s Insurance Blog</title>
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   <id>tag:www.insuremeblog.com,2008:/insurance//4</id>
    <link rel="service.post" type="application/atom+xml" href="http://www.insuremeblog.com/cgi-bin/mt/mt-atom.cgi/weblog/blog_id=4" title="InsureMe's Insurance Blog" />
    <updated>2008-11-10T18:37:24Z</updated>
    
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<entry>
    <title>Mobile Home Insurance Basics</title>
    <link rel="alternate" type="text/html" href="http://www.insuremeblog.com/insurance/2008/11/mobile_home_insurance_basics.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.insuremeblog.com/cgi-bin/mt/mt-atom.cgi/weblog/blog_id=4/entry_id=2178" title="Mobile Home Insurance Basics" />
    <id>tag:www.insuremeblog.com,2008:/insurance//4.2178</id>
    
    <published>2008-11-10T17:02:20Z</published>
    <updated>2008-11-10T18:37:24Z</updated>
    
    <summary>Check out these fast facts and take a big step toward getting the coverage you need! In some states, insurers offer specialized mobile home insurance. (Residents of other states insure their homes with a basic homeowners policy.) Contact your state...</summary>
    <author>
        <name>Jeb Foster</name>
        <uri>www.insuremeblog.com</uri>
    </author>
            <category term="Home Insurance News" />
    
    <content type="html" xml:lang="en" xml:base="http://www.insuremeblog.com/insurance/">
        <![CDATA[<p>Check out these fast facts and take a big step toward getting the coverage you need!<br />
<ul><li>In some states, insurers offer specialized <a href="http://www.insureme.com/insurance/mobile-home-insurance">mobile home insurance</a>. (Residents of other states insure their homes with a basic homeowners policy.) Contact your state department of insurance to see if mobile home insurance is available in your area.</li><li>Mobile home insurance protects against losses from physical damage and personal liability. Physical damage coverage pays for (accidental) damage to your home, belongings, or nearby or attached structures. Personal liability coverage kicks in when someone files a claim and/or lawsuit against you after being injured on your property.</li><li>Mobile home insurance, like all types of homeowners policies, does not cover flood damage. If you live in a flood zone, contact the <a href="http://www.fema.gov/business/nfip/" rel="nofollow">National Flood Insurance Program</a> to obtain protection against water damage from flooding.</li><li>Lastly, a word of caution: Cheap insurance now could end up costing you a fortune later; be sure to get adequate coverage for your home and belongings!</li></ul>Now that you�??ve got some good information, <a href="http://www.insureme.com/home-insurance-quotes.html" rel="nofollow">get a free quote</a>!<br />
</p>]]>
        
    </content>
</entry>
<entry>
    <title>On Insurance &amp; Taking Control</title>
    <link rel="alternate" type="text/html" href="http://www.insuremeblog.com/insurance/2008/11/on_insurance_taking_control.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.insuremeblog.com/cgi-bin/mt/mt-atom.cgi/weblog/blog_id=4/entry_id=2177" title="On Insurance &amp; Taking Control" />
    <id>tag:www.insuremeblog.com,2008:/insurance//4.2177</id>
    
    <published>2008-11-07T19:17:26Z</published>
    <updated>2008-11-07T19:31:45Z</updated>
    
    <summary>If you&apos;re feeling out of control when it comes to the economy and finances, read this post to find out how to find the cheapest insurance coverage to protect yourself and your family. It&apos;ll help you take back control and give you hope for the future.</summary>
    <author>
        <name>Penny Hagerman</name>
        
    </author>
            <category term="Consumer Tips and Resources" />
    
    <content type="html" xml:lang="en" xml:base="http://www.insuremeblog.com/insurance/">
        <![CDATA[<p>With the economy in the tank and a new president in control, we have to wonder where our country is headed from here. Now that campaigning is over and things are starting to settle down, it�??s up to our new leader and his administration to set the course for the next few years. <img alt="Person writing check.jpg" src="http://www.insuremeblog.com/insurance/blogimages/Person%20writing%20check.jpg" width="180" height="120" align="right" vspace="5" hspace="5" /></p>

<p>Most of the decisions made that affect our everyday lives are now largely beyond our control. Yes, being involved in issues we�??re passionate about at the state and local levels helps. We can each make a difference where we live and work. But after speaking our minds and voting our consciences over the past few days, the rest is largely out of our hands�??and in the hands of those we�??ve chosen to lead.</p>

<p>After watching gas prices soar to nearly four dollars a gallon nationwide (and higher in some areas), I have to say it�??s encouraging to see a slow and steady price drop continuing after November 4. How long that will continue, none of us can say. The cost of filling up our gas tanks, heating our homes, putting food on the table and shouldering heavy mortgages�??or losing our homes to foreclosure�??are burdens we all share and have very little control over.</p>

<p>For many Americans, another major issue is insurance. Those who can get insured through an employer, professional organization or other means have healthcare within their control�??and an avenue to get there. But for many others forced to purchase health, home, car or life insurance on their own, finding the <a href="http://www.insureme.com/insurance/cheapest-insurance">cheapest insurance</a> may seem difficult, if not downright impossible.</p>

<p>Regardless of the direction our nation takes, most people can still find cheap insurance coverage if they know how to go about it. By figuring out the type of coverage needed; understanding what factors affect rates�??and what to do about them�??and formulating a plan for getting the lowest premiums, individuals and families can still get insured affordably today, no matter where our leadership stands on the issue.</p>

<p>If you�??re shopping for insurance and you think you�??ll never find a plan with affordable rates to protect yourself and your family, don�??t worry�??there�??s hope! Read this handy <a href="http://www.insureme.com/insurance/cheapest-insurance">resource</a> for getting great coverage and affordable rates all wrapped up into one�??and take control wherever you can.</p>]]>
        
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</entry>
<entry>
    <title>Life Insurance in 60 Seconds</title>
    <link rel="alternate" type="text/html" href="http://www.insuremeblog.com/insurance/2008/11/life_insurance_in_30_seconds.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.insuremeblog.com/cgi-bin/mt/mt-atom.cgi/weblog/blog_id=4/entry_id=2174" title="Life Insurance in 60 Seconds" />
    <id>tag:www.insuremeblog.com,2008:/insurance//4.2174</id>
    
    <published>2008-11-03T21:53:16Z</published>
    <updated>2008-11-10T15:57:19Z</updated>
    
    <summary>[0:59] Why buy it? We�??ll answer that question with a question: Would anyone close to you�??children, elderly parents, business partners, etc.�??be in a financial pickle if you died? If so (and if you care to provide for certain people in...</summary>
    <author>
        <name>Jeb Foster</name>
        <uri>www.insuremeblog.com</uri>
    </author>
            <category term="Consumer Tips and Resources" />
    
    <content type="html" xml:lang="en" xml:base="http://www.insuremeblog.com/insurance/">
        <![CDATA[<p><img alt="Stopwatch.jpg" src="http://www.insuremeblog.com/insurance/blogimages/Stopwatch.jpg" width="170" height="175" align="right"vspace="5" hspace="5"/>[0:59]<br />
<strong>Why buy it?</strong><br />
We�??ll answer that question with a question: Would anyone close to you�??children, elderly parents, business partners, etc.�??be in a financial pickle if you died? If so (and if you care to provide for certain people in the event of your death) life insurance is a good idea.</p>

<p>[0:49]<br />
<strong>What kind should I buy?</strong><br />
Good question. First the basics: there are two types of life insurance, permanent (aka cash value) and term. </p>

<blockquote><u>Term</u>: Life insurance that covers you for the duration of the term period �?? one year, thirty years, until you turn 65, etc. Term policies pay out a death benefit if you die during the policy term and are usually cheaper than permanent/cash value policies. (Get <a href="http://insureme.com/insurance/term-life-insurance-quotes">term life insurance quotes</a>.)

<p><u>Permanent</u>: Life insurance that is typically held onto for the insured�??s entire life. In addition to providing a death benefit, many permanent policies include a tax-sheltered savings account, where a portion of the premium earns interest. (Get <a href="http://insureme.com" rel="nofollow">permanent life insurance quotes</a>.)</blockquote>[0:10]<br />
<strong>How much is enough?</strong><br />
Some experts recommend an amount 15 to 20 times your annual income, but in reality, there�??s no magic formula. It's a good idea to talk to your insurance agent or a financial adviser for advice on this before purchasing your policy.</p>

<p>Need more information? Check out the <a href="http://www.insureme.com/content/rsrc/life/" rel="nofollow">Insurance Resource Center</a>. <br />
</p>]]>
        
    </content>
</entry>
<entry>
    <title>How to Buy Insurance</title>
    <link rel="alternate" type="text/html" href="http://www.insuremeblog.com/insurance/2008/10/how_to_buy_insurance_1.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.insuremeblog.com/cgi-bin/mt/mt-atom.cgi/weblog/blog_id=4/entry_id=2172" title="How to Buy Insurance" />
    <id>tag:www.insuremeblog.com,2008:/insurance//4.2172</id>
    
    <published>2008-10-30T20:20:41Z</published>
    <updated>2008-10-31T15:54:06Z</updated>
    
    <summary>So, are we becoming a more impersonal society or just a really efficient one? Now that we can communicate in every which way, how should we purchase personal financial instruments like insurance? There has been much discussion in some circles...</summary>
    <author>
        <name>Lori Reed</name>
        <uri>www.insureme.com</uri>
    </author>
            <category term="Insurance Shopping Tips" />
    
    <content type="html" xml:lang="en" xml:base="http://www.insuremeblog.com/insurance/">
        <![CDATA[<p>So, are we becoming a more impersonal society or just a really efficient one?  Now that we can communicate in every which way, how should we purchase personal financial instruments like insurance?  <img alt="32013231.thb.jpg" src="http://www.insuremeblog.com/insurance/blogspot/32013231.thb.jpg" width="275" height="185"  align="right" vspace="5" hspace="5"/></p>

<p>There has been much discussion in some circles about how to <a href="http://www.insureme.com/insurance/buy-insurance">buy insurance</a>, and there is no right or wrong way. The most frequently used method for purchasing insurance today is to research the topic on line, pursue quotes from several sources and then meet individually with an agent to actually buy the insurance.  Few transactions take place 100% over the internet, but the numbers are growing.  In 2007, 12% purchased auto insurance totally on line and in 2008 that grew to 15%.  Over 50% of people buying insurance still meet with an agent for the final purchase.  (from comScore Online Automobile Insurance Report 2008)</p>

<p><strong>The best thing that has happened to insurance shopping with the internet is that the consumer can now get several different quotes easily</strong>, instead of meeting personally with several different insurance agents and going through the long application process with each one, not knowing which is the better offering.  People now just sit down at their computer and search for auto insurance, homeowners insurance, or health insurance and voila, they can get several estimates or contacts easily.  It is much easier to buy insurance when several different quotes can be compared, in the comfort and privacy of your living room.   You can avoid the awkward or wasted time meeting with agents who can�??t provide you with a competitive quote.   </p>

<p>So go ahead, google the kind of insurance you need and fill out applications from home and have the quotes coming to you.  It's not impersonal, it is just efficient.<br />
</p>]]>
        
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</entry>
<entry>
    <title>Do You Have What it Takes to Find the Best Insurance Available?</title>
    <link rel="alternate" type="text/html" href="http://www.insuremeblog.com/insurance/2008/10/do_you_have_what_it_takes_to_f.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.insuremeblog.com/cgi-bin/mt/mt-atom.cgi/weblog/blog_id=4/entry_id=2170" title="Do You Have What it Takes to Find the Best Insurance Available?" />
    <id>tag:www.insuremeblog.com,2008:/insurance//4.2170</id>
    
    <published>2008-10-27T21:53:59Z</published>
    <updated>2008-10-27T23:11:40Z</updated>
    
    <summary>Must haves: Working Internet connection InsureMe.com is the best place to get insurance quotes online. Fill out one simple form, and we�??ll match you with up to eight licensed insurance professionals from your area. Willingness to take phone calls from...</summary>
    <author>
        <name>Jeb Foster</name>
        <uri>www.insuremeblog.com</uri>
    </author>
            <category term="Consumer Tips and Resources" />
    
    <content type="html" xml:lang="en" xml:base="http://www.insuremeblog.com/insurance/">
        <![CDATA[<p align="center"><img alt="Find-the-right-insurance-with-InsureMe.jpg" src="http://www.insuremeblog.com/insurance/blogimages/Find-the-right-insurance-with-InsureMe.jpg" width="339" height="227" /></p>Must haves:

<p><b>Working Internet connection</b><br />
InsureMe.com is the best place to get <strong> <a href="http://www.insureme.com/insurance/insurance-quotes-online">insurance quotes online</a></strong>. Fill out one simple form, and we�??ll match you with up to eight licensed insurance professionals from your area. </p>

<p><b>Willingness to take phone calls from insurance agents (don�??t worry, they�??re friendly!)</b><br />
After you fill out our short application, agents will call you with their prepared quote, usually in minutes. Make sure you have a pencil and paper ready! Take down their quote and contact information and let them know you�??ll call once you�??ve received and compared all of your quotes. </p>

<p><b>Ability to distinguish an apple from an orange </b><br />
Let us explain. When comparing policies, make sure to compare ones with similar coverage levels. Policy A may have an attractive price tag, but it may provide far less coverage than policy B, which is only marginally more expensive.  </p>

<p><b>Sound understanding of your current financial house</b><br />
This will help you confidently set smart deductible/copay levels and obtain sufficient coverage. </p>

<p><b>Basic knowledge of key insurance concepts</b><br />
Insurance isn�??t rocket science, but it does have its own unique jargon, and agents often assume everyone is fluent. Bone up on the <a href="http://www.insureme.com/content/rsrc/general/insurance-glossary/?search=glossary" rel="nofollow">basic terms</a> so that nothing gets lost in translation. <br />
</p>]]>
        
    </content>
</entry>
<entry>
    <title>Finding Cheap Insurance Online</title>
    <link rel="alternate" type="text/html" href="http://www.insuremeblog.com/insurance/2008/10/finding_cheap_insurance_online_1.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.insuremeblog.com/cgi-bin/mt/mt-atom.cgi/weblog/blog_id=4/entry_id=2168" title="Finding Cheap Insurance Online" />
    <id>tag:www.insuremeblog.com,2008:/insurance//4.2168</id>
    
    <published>2008-10-23T19:58:50Z</published>
    <updated>2008-10-23T16:34:53Z</updated>
    
    <summary>Shopping online for insurance is much easier--and hassle-free--than it used to be. Find out what it takes to find cheap insurance online and save money on insurance premiums. Unlike getting your car repaired or your toilet fixed, you can get insured in minutes.</summary>
    <author>
        <name>Penny Hagerman</name>
        
    </author>
            <category term="Insurance Shopping Tips" />
    
    <content type="html" xml:lang="en" xml:base="http://www.insuremeblog.com/insurance/">
        <![CDATA[<p>If you�??re like me, you search online for anything you need. If the pipes get clogged and you need a plumber, you look for one online. If your car breaks down and you don�??t know a good mechanic, ditto. </p>

<p><img alt="womanoncomputer.jpg" src="http://www.insuremeblog.com/insurance/blogimages/womanoncomputer.jpg" width="180" height="120" align="right" vspace="5" hspace="5" /></p>

<p>But what about insurance? When you feel like you�??re paying too much to cover your car or home�??or you need to see the doctor and don�??t have health coverage�??do you know how to find the best deals and get <a href="http://www.insureme.com/insurance/cheap-insurance-online">cheap insurance online</a> without spending all day doing it?</p>

<p>Though it�??s wise to learn some basic insurance terms before trying to lower your rates on the Internet (see our handy-dandy insurance glossary for quick help <a href="http://www.insureme.com/content/rsrc/general/insurance-glossary/?search=glossary">here</a>), you might be surprised how fast you can <a href="http://www.insureme.com">apply for free insurance quotes</a> and get competitive rates online. </p>

<p>But what�??s the difference in shopping for insurance online and fulfilling some other need there? Searching for a plumber, mechanic or other service provider requires calling each one, relaying the problem, asking for hourly rates and waiting for someone to come fix the problem (or standing in line for hours at the local repair shop to get it taken care of). </p>

<p>But to shop for insurance online, you can use a web site like InsureMe, spend just a few minutes completing our easy form, get matched with local insurance agents in minutes, and get multiple quotes faster than you can say "supercalifragilisticexpialidocious"�??from anywhere in the world. </p>

<p>Seriously, as you�??ve probably seen in the news lately, many insurance companies are hurting�??just like the rest of us�??and that leaves you in the driver�??s seat when it comes to getting insured. So for the most competitive rates, hop online and find cheap insurance now. It�??s much less hassle than you may think!<br />
</p>]]>
        
    </content>
</entry>
<entry>
    <title>Car Insurance Doesn�??t Have to Break the Bank</title>
    <link rel="alternate" type="text/html" href="http://www.insuremeblog.com/insurance/2008/10/car_insurance_doesnt_have_to_b.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.insuremeblog.com/cgi-bin/mt/mt-atom.cgi/weblog/blog_id=4/entry_id=2166" title="Car Insurance Doesn�??t Have to Break the Bank" />
    <id>tag:www.insuremeblog.com,2008:/insurance//4.2166</id>
    
    <published>2008-10-20T20:31:49Z</published>
    <updated>2008-10-21T18:48:26Z</updated>
    
    <summary>Car insurance�??you loathe to pay more for it than necessary, and if you�??re like most people, you even hate to think about it longer than necessary. With both of those facts in mind, we�??ll make this post as short and...</summary>
    <author>
        <name>Jeb Foster</name>
        <uri>www.insuremeblog.com</uri>
    </author>
            <category term="Auto Insurance News" />
    
    <content type="html" xml:lang="en" xml:base="http://www.insuremeblog.com/insurance/">
        <![CDATA[<p><img alt="Piggy bank.jpg" src="http://www.insuremeblog.com/insurance/blogimages/Piggy%20bank.jpg" width="181" height="183" align="right"vspace="5" hspace="5"/>Car insurance�??you loathe to pay more for it than necessary, and if you�??re like most people, you even hate to <em>think </em>about it longer than necessary.</p>

<p>With both of those facts in mind, we�??ll make this post as short and practical as possible.</p>

<p>SMART WAYS TO SAVE ON CAR INSURANCE<br />
<b>Raise your deductibles (to the highest level you can afford). </b><br />
The deductible is the amount you agree to pay, in the event you file a claim, before your insurer starts paying. There are usually two deductibles: one for <i>collision</i> coverage (for damage from accidents) and one for <i>comprehensive</i> coverage (for damage to your car that�??s not the result of a car accident, i.e., theft, vandalism, etc.). </p>

<p><b>Put down the Yellow Pages and go online. </b><br />
<a href="http://insureme.com/insurance/cheap-online-car-insurance">Cheap online car insurance</a> is just a few clicks away. Sites like InsureMe.com and Bankrate.com make it easy to compare quotes from multiple insurers. </p>

<p><b>Maintain a squeaky clean credit rating and driving record. </b><br />
Did you know that your <i>credit history</i> is one the biggest factors in determining your auto insurance premium? Well it is! So it pays to pay your credit card  and other bills. It also goes without saying that insurers will ding you not for only accidents, but also for any moving violations, including speeding tickets. </p>

<p><b>Combine policies under one insurer. </b> <br />
Do you have other types of insurance? Try getting a quote for all of them under one insurer. Most them offer generous multi-policy discounts.  </p>

<p>If you are interested in reading more about auto insurance, just click over to the InsureMe <a href=�??http://www.insureme.com/content/rsrc/�?? ref=�??nofollow�??>Insurance Resource Center.</a><br />
</p>]]>
        
    </content>
</entry>
<entry>
    <title>Insuring Teen Drivers</title>
    <link rel="alternate" type="text/html" href="http://www.insuremeblog.com/insurance/2008/10/insuring_teen_drivers.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.insuremeblog.com/cgi-bin/mt/mt-atom.cgi/weblog/blog_id=4/entry_id=2164" title="Insuring Teen Drivers" />
    <id>tag:www.insuremeblog.com,2008:/insurance//4.2164</id>
    
    <published>2008-10-16T19:27:17Z</published>
    <updated>2008-10-16T19:46:20Z</updated>
    
    <summary>Often, teen drivers don&apos;t have the experience needed to make wise decisions behind the wheel. Read this post to find out what you can do to protect your teenager on the road and save money on teen car insurance quotes, too.</summary>
    <author>
        <name>Penny Hagerman</name>
        
    </author>
            <category term="Consumer Tips and Resources" />
    
    <content type="html" xml:lang="en" xml:base="http://www.insuremeblog.com/insurance/">
        <![CDATA[<p><img alt="teen driver.jpg" src="http://www.insuremeblog.com/insurance/blogimages/teen%20driver.jpg" width="180" height="120" align="right" vspace="5" hspace="5" />After 16 years of driving your teen back and forth to school, to countless soccer or football games, and to friends�?? houses for sleepovers, the day finally comes when he gets that long-anticipated license. Now he�??s ready to hop behind the wheel and drive himself wherever he needs to go�??and mom and dad can finally relax at home, right?</p>

<p>Not quite. Though that adorable little child you once knew has grown up some and begun taking responsibility (though whether or not he can make his bed might still be questionable!), he still needs a lot more driving experience�??and some extra maturity�??to ensure wise decision making on the road. </p>

<p>After all, doing things like giving the other driver the benefit of the doubt and constantly checking that blind spot don�??t come naturally to most inexperienced drivers. </p>

<p>Then there�??s the matter of insurance. When you add your teenager to your car insurance policy, you naturally expect your insurance rates to rise. Why? Because just like your child, teenagers as a group tend to have more accidents than experienced drivers�??about three times as many, to be precise�??and it�??s this increased risk of accident and insurance claims that causes higher <a href="http://www.insureme.com/insurance/teen-car-insurance-quotes">teen car insurance quotes</a>. </p>

<p>But there are ways to get around those higher insurance premiums. A student who has good grades, takes a driver�??s training course or drives an older car may qualify for discounts�??and that can really help out when it comes to making car insurance more affordable.  </p>

<p>Regardless of cost, teens simply can�??t drive without insurance. And because we love our kids and want the best for them, we do everything possible to protect them while they�??re driving�??just as we�??ve done all their lives. </p>

<p>So when it�??s time to insure your teen driver, make sure he has plenty of insurance coverage, just in case. That way, no matter who he�??s with or what mistakes he makes, he stays safe while driving�??and you're prepared for most anything!</p>

<p><br />
For tips on insuring teen drivers and saving money on teen car insurance, please reference these articles in our Insurance Resource Center:</p>

<p><a href="http://www.insureme.com/content/rsrc/auto/teen-car-insurance">Teen Car Insurance</a><br />
<a href="http://www.insureme.com/insurance/teen-car-insurance-quotes">Teen Car Insurance Quotes</a> </p>]]>
        
    </content>
</entry>
<entry>
    <title>Bankrate Recognized in Forbes Magazine</title>
    <link rel="alternate" type="text/html" href="http://www.insuremeblog.com/insurance/2008/10/bankrate_recognized_in_forbes_magazine.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.insuremeblog.com/cgi-bin/mt/mt-atom.cgi/weblog/blog_id=4/entry_id=2161" title="Bankrate Recognized in Forbes Magazine" />
    <id>tag:www.insuremeblog.com,2008:/insurance//4.2161</id>
    
    <published>2008-10-13T20:11:50Z</published>
    <updated>2008-10-14T00:22:16Z</updated>
    
    <summary>Normally, we strive to keep horn-tooting to a minimum here on the InsureMe Insurance Blog. But we�??re going to risk a little immodesty and share some great news with you: Our parent company, Bankrate.com, just earned a spot (41) on...</summary>
    <author>
        <name>Jeb Foster</name>
        <uri>www.insuremeblog.com</uri>
    </author>
            <category term="Consumer Tips and Resources" />
    
    <content type="html" xml:lang="en" xml:base="http://www.insuremeblog.com/insurance/">
        <![CDATA[<p><img alt="forbes-logo.jpg" src="http://www.insuremeblog.com/insurance/blogimages/forbes-logo.jpg" width="139" height="74" align="right"vspace="5" hspace="10" />Normally, we strive to keep horn-tooting to a minimum here on the InsureMe Insurance Blog. But we�??re going to risk a little immodesty and share some great news with you:</p>

<p>Our parent company, Bankrate.com, just earned a spot (41) on Forbes�?? list of the <a href="http://www.forbes.com/free_forbes/2008/1027/133.html?partner=yahoomag�?? rel="nofollow�??>200 Best Small Companies</a>. </p>

<p>Here�??s what Forbes had to say: </p>

<blockquote>Turmoil in the economy is good for Bankrate (No. 41). It provides information on more than 300 financial products, such as mortgages, car loans and money market accounts to consumers. Jittery investors have become addicted to the North Palm Beach, Fla. outfit's Web site, which features news and advice. Last year 60 million visitors generated 554 million Web page views for the company. </blockquote>

<p>To clarify, Bankrate does not exactly welcome economic turmoil (it was doing quite well when the market was bullish). However, the company does indeed relish the opportunity to help people save money on all kinds of �??bank rates,�?? including rates for things like credit cards, insurance and college loans. </p>

<p>Both Bankrate and InsureMe know that people across the country are struggling to cut fixed costs on things like food, fuel and utilities. People are flocking to sites like InsureMe.com to get, for example, an <a href="http://www.insureme.com/insurance/online-auto-insurance-quote">online auto insurance quote</a>, because insurance is one of those large fixed costs that many people would gleefully pay less for. </p>

<p>Good news is hard to come by these days. The silver lining is that there are services�??get ready for more horn-tooting�??like Bankrate and InsureMe, which allow people to save money and live a little bit more comfortably. <br />
</p>]]>
        
    </content>
</entry>
<entry>
    <title>Making Connections: Electronic vs. Human</title>
    <link rel="alternate" type="text/html" href="http://www.insuremeblog.com/insurance/2008/10/making_connections_electronic.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.insuremeblog.com/cgi-bin/mt/mt-atom.cgi/weblog/blog_id=4/entry_id=2160" title="Making Connections: Electronic vs. Human" />
    <id>tag:www.insuremeblog.com,2008:/insurance//4.2160</id>
    
    <published>2008-10-09T17:22:16Z</published>
    <updated>2008-10-09T17:43:14Z</updated>
    
    <summary>For introverts like me, email�??s a godsend. While I don�??t have an aversion to face-to-face conversation, I�??m much better at formulating my thoughts �??on paper�?? (translation: electronically) where I can mull them over, than assimilating them on-demand on the spot....</summary>
    <author>
        <name>Penny Hagerman</name>
        
    </author>
            <category term="Insurance Resources" />
    
    <content type="html" xml:lang="en" xml:base="http://www.insuremeblog.com/insurance/">
        <![CDATA[<p>For introverts like me, email�??s a godsend. While I don�??t have an aversion to face-to-face conversation, I�??m much better at formulating my thoughts �??on paper�?? (translation: electronically) where I can mull them over, than assimilating them on-demand on the spot. (This also explains why I can�??t live without email, Facebook and text messaging!) <img alt="shaking-hands-at-dinner.jpg" src="http://www.insuremeblog.com/insurance/blogimages/shaking-hands-at-dinner.jpg" width="180" height="125"      align="right" vspace="5" hspace="5" /></p>

<p>Maybe it�??s just the writer in me�??or the fact that, alone with my computer, I can actually hear myself think. But I divert slightly.</p>

<p>We all know human beings suffer emotionally and socially without interaction. But the <em>way</em> we establish and maintain connections socially and in business settings is an even more interesting topic of study. </p>

<p>While my own preference for electronic communication sets me apart from others my age, most of whom prefer connecting in person and eye-to-eye, today�??s young people prefer to forge relationships electronically (like me). Because 92 percent of people between the ages of 18 and 29 are online, they prefer to keep in touch with friends and meet new ones online. And when they need something, the internet is the first (and often only) place they go to find it.</p>

<p>These communication preferences also spill over into shopping habits. When teens and 20-somethings need to find insurance for their cars, they tend to ask their friends for advice or hop online to find an insurance agent and get <a href="http://www.insureme.com/insurance/online-car-insurance-quotes">online car insurance quotes</a>. Why? Because it�??s quick, easy, and doesn�??t require a lot of time or fuss. </p>

<p>Older Americans, on the other hand, tend to look to their �??good neighbor�?? insurance agent down the street�??or the business pages of their phone books�??to find an insurance agent who can provide what they need. Having been raised in a time when people conducted business face-to-face across the dinner table or sitting on the living room sofa sipping coffee, they prefer building relationships in person�??and sealing business deals with a handshake.  </p>

<p>How do you make connections? Do you prefer the ease and speed of electronic means or the security and tradition of human contact? Please weigh in and share your thoughts.<br />
</p>]]>
        
    </content>
</entry>
<entry>
    <title>Truck Insurance Basics</title>
    <link rel="alternate" type="text/html" href="http://www.insuremeblog.com/insurance/2008/10/truck_insurance.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.insuremeblog.com/cgi-bin/mt/mt-atom.cgi/weblog/blog_id=4/entry_id=2158" title="Truck Insurance Basics" />
    <id>tag:www.insuremeblog.com,2008:/insurance//4.2158</id>
    
    <published>2008-10-07T17:09:57Z</published>
    <updated>2008-10-07T19:38:39Z</updated>
    
    <summary>Did you know that the most popular car in America is actually a truck? A Ford F150, to be exact. It�??s no secret that we Americans love trucks. They were invented here, for one thing, and they have as firm...</summary>
    <author>
        <name>Jeb Foster</name>
        <uri>www.insuremeblog.com</uri>
    </author>
            <category term="Consumer Tips and Resources" />
    
    <content type="html" xml:lang="en" xml:base="http://www.insuremeblog.com/insurance/">
        <![CDATA[<table cellpadding="5" cellspacing="0" border="0" width="255" height="172" bgcolor="#f9f9f9" align="right" style="margin: 7px;"><tr><td><img alt="Classic Chevy truck at InsureMe.jpg" src="http://www.insuremeblog.com/insurance/blogimages/Classic%20Chevy%20truck%20at%20InsureMe.jpg" width="250" height="167" /></td></tr></table>Did you know that the most popular car in America is actually a truck? A Ford F150, to be exact.

<p>It�??s no secret that we Americans love trucks. </p>

<p>They were invented here, for one thing, and they have as firm a place in American culture as guns and apple pie.</p>

<p>So let�??s talk <a href="http://www.insureme.com/insurance/truck-insurance">truck insurance</a>. </p>

<p><strong>Truck insurance</strong> is typically�??though not always�??more expensive than car insurance. Why? For a couple of reasons, but it�??s primarily a safety issue. </p>

<p>For all their utility, trucks have historically not been as safe as passenger cars. High rollover rates and poor crash test results have made insurers somewhat wary�??and that wariness translates into higher premiums.</p>

<p>The good news is that a renewed commitment to safety among manufacturers and new technologies like ABS (anti-lock brakes) and ESC (electronic stability control) are making trucks safer than ever, and that has begun to show in cheaper premiums. </p>

<p>Here are some quick and easy ways to save money on your truck insurance:<br />
<ul><li>Elect for a higher deductible (deductible = the amount you pay before your insurance kicks in)</li><li>If you�??re buying a truck, opt for every safety feature available</li><li>Get multiple quotes before buying a policy</li></ul>Before you click away, we�??d like to get your opinion on one of the most hotly debated issues of our time:<br />
<p align=�??center�??> <object classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=8,0,0,0" width="300" height="235" align="middle"><param name="allowScriptAccess" value="sameDomain" /><param name="movie" value="http://www.buzzdash.com/bb.swf?BB_id=121026" /><param name="quality" value="high" /><br />
<param name="wmode" value="transparent" /><embed src="http://www.buzzdash.com/bb.swf?BB_id=121026" quality="high" wmode="transparent" width="300" height="235" allowScriptAccess="sameDomain" type="application/x-shockwave-flash" pluginspage="http://www.macromedia.com/go/getflashplayer" /><noembed><a href="http://www.buzzdash.com/index.php?page=buzzbite&BB_id=121026">Ford or Chevy?</a> | <a href="http://www.buzzdash.com">BuzzDash polls</a></noembed></object><img style="visibility:hidden;width:0px;height:0px;" border=0 width=0 height=0 src="http://counters.gigya.com/wildfire/IMP/CXNID=2000002.0NXC/bT*xJmx*PTEyMjMzOTQ5NzY5NjQmcHQ9MTIyMzM5NDk3OTY2NyZwPTg*MjEmZD*mbj*mZz*xJnQ9Jm89ZDJjMGU4YmJjYTA2NDAxZThhMzFlNzEzZjg5N2E1NmM=.gif" /></p></p>

<p>And feel free to sound off in the comment section below!</p>

<p>Photo from <a href="http://flickr.com/photos/ishane/119512937/" rel="nofollow">Flickr</a><br />
</p>]]>
        
    </content>
</entry>
<entry>
    <title>RV Vacations: Rent versus Buy Decisions</title>
    <link rel="alternate" type="text/html" href="http://www.insuremeblog.com/insurance/2008/10/rv_vacations_rent_versus_buy_d_1.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.insuremeblog.com/cgi-bin/mt/mt-atom.cgi/weblog/blog_id=4/entry_id=2156" title="RV Vacations: Rent versus Buy Decisions" />
    <id>tag:www.insuremeblog.com,2008:/insurance//4.2156</id>
    
    <published>2008-10-03T22:59:04Z</published>
    <updated>2008-10-03T23:16:28Z</updated>
    
    <summary> Friday afternoon, and a beautiful day in Colorado. A little too cold for a tent, and a little too removed from nature for a hotel room. How about taking an RV out for a spin to enjoy the fabulous...</summary>
    <author>
        <name>Lori Reed</name>
        <uri>www.insureme.com</uri>
    </author>
            <category term="Auto Insurance News" />
    
    <content type="html" xml:lang="en" xml:base="http://www.insuremeblog.com/insurance/">
        <![CDATA[<p><img alt="rv3.jpg" src="http://www.insuremeblog.com/insurance/blogspace/rv3.jpg" width="140" height="100" align="left" vspace="5" hspace="5"/><br />
Friday afternoon, and a beautiful day in Colorado.  A little too cold for a tent, and a little too removed from nature for a hotel room.  How about taking an RV out for a spin to enjoy the fabulous fall colors?  The RV is such a perfect blend between �??taking it easy�?? and camping.  </p>

<p>Recreational vehicles also let you enjoy the people you are traveling with.  Great conversations ensue. Just compare in your mind the difference between sitting on an airplane with your buddy versus being in a comfortable lounging chair sharing fun commentary while you see the country around you.</p>

<p>Many people rent RVs, because they are such an expensive purchase.  However, given the economy and concerns about fuel economy, and the lack of car sales in general, now might be a good time to convert some of those stocks into an RV. Not that I can give any investment advice, but I do know a good time when I see it.  My cousin, Arne, travels around the country with the RV he purchased (traded in his sail boat) and has seen more of the US in the past few years than he ever did flying all over the country.  Moreover, he has had more fun than ever before too.  And it is stress free travel.</p>

<p>And, like everything else, if you think about buying an RV, you also need to check out <a href="http://www.insureme.com/insurance/rv-insurance">RV insurance </a>requirements.  An RV is a significant investment, so you need to ensure you are adequately covered, and include those costs in your analysis of buy versus rent.<br />
</p>]]>
        <![CDATA[<p>Or maybe you want to get creative with your RV.  This fellow on the right is NOT my cousin Arne.<img alt="rv1.jpg" src="http://www.insuremeblog.com/insurance/rv1.jpg" width="146" height="111" align="right" vspace="5" hspace="5"/><br />
</p>]]>
    </content>
</entry>
<entry>
    <title>Hey, what&apos;s that guy doing?</title>
    <link rel="alternate" type="text/html" href="http://www.insuremeblog.com/insurance/2008/09/hey_whats_that_guy_doing.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.insuremeblog.com/cgi-bin/mt/mt-atom.cgi/weblog/blog_id=4/entry_id=2153" title="Hey, what's that guy &lt;i&gt;doing?&lt;/i&gt;" />
    <id>tag:www.insuremeblog.com,2008:/insurance//4.2153</id>
    
    <published>2008-09-30T17:02:03Z</published>
    <updated>2008-09-30T18:30:23Z</updated>
    
    <summary><![CDATA[We all face distractions while driving. Whether answering a ringing cell phone, changing the radio dial or reaching for hot coffee, it's easy to take our eyes off the road&mdash;even for just a moment&mdash;and end up in either a major...]]></summary>
    <author>
        <name>Penny Hagerman</name>
        
    </author>
            <category term="Auto Insurance News" />
    
    <content type="html" xml:lang="en" xml:base="http://www.insuremeblog.com/insurance/">
        <![CDATA[<p><img alt="distracted-driver.jpg" src="http://www.insuremeblog.com/insurance/blogimages/distracted-driver.jpg" width="120" height="180" align="right" vspace="5" hspace="5" />We all face distractions while driving. Whether answering a ringing cell phone, changing the radio dial or reaching for hot coffee, it's easy to take our eyes off the road&mdash;even for just a moment&mdash;and end up in either a major accident or, at the very least, an expensive fender-bender.</p>

<p>If it weren't so comical, watching other drivers on the interstate every morning trying to balance two or three different activities at once&mdash;none of them related to operating a vehicle&mdash; would scare us all out of our wits! I thought I'd heard it all until I read these <a href="http://www.walletpop.com/insurance/car-insurance/distracted-driving-disasters" rel=nofollow>Tales of Distracted Driving</a> from one of my favorite blogs,<a href="http://www.walletpop.com/blog" rel=nofollow> WalletPop</a>, which gathered eyewitness accounts of the crazy things people try to do while driving. (I say<em> try</em> because they often fail and end up wrapped around someone else's bumper!)</p>

<p>But bad behavior behind the wheel isn't just risky or poor form; it also affects <a href="http://www.insureme.com/insurance/motor-car-insurance">motor car insurance</a> rates. The more distracted drivers are, the more likely they'll end up crashing or causing someone else to crash&mdash;and higher accident rates lead to higher insurance rates. </p>

<p>Take for example the temptation to talk or text on cell phones while driving. Motorists who engage in this activity behind the wheel are four times as likely to get into crashes serious enough to injure themselves, according to a study conducted by the <a href="http://www.iihs.org/" rel=nofollow>Insurance Institute for Highway Safety</a>. This <a href="http://www.iii.org/media/hottopics/insurance/cellphones/" rel=nofollow>article</a> by the Insurance Information Institute puts it all in perspective we can all understand. And reading or putting on makeup while trying to drive? That's plain crazy, if you ask me!</p>

<p>The moral of the story? To keep insurance rates low&mdash;and everyone around you safe on the road&mdash;put off phone calls and text messages, eating and drinking, personal grooming and all other non-driving-related activities until you get where you're going&mdash;or do them before you leave home. Meanwhile, stay safe at home or work and have a laugh on us by reading the <a href="http://www.walletpop.com/insurance/car-insurance/distracted-driving-disasters" rel=nofollow>Crazy Things Drivers Do</a>.</p>

<p>More Information on Distracted Driving and Insurance:</p>

<ul><li><a href="http://ezinearticles.com/?Car-Insurance-andamp;-Cell-Phones:-Playing-It-Safe&id=147452" rel=nofollow>Car Insurance & Cell Phones</a></li><li><a href="http://www.insureme.com/content/rsrc/auto/good-driver-car-insurance/">Good Driver Car Insurance</a></li><li><a href="http://www.aaafoundation.org/pdf/distraction.pdf" rel=nofollow>Driver Distraction & Traffic Crashes</a></li>]]>
        
    </content>
</entry>
<entry>
    <title>Will you end up in &apos;A Van Down by the River&apos;?</title>
    <link rel="alternate" type="text/html" href="http://www.insuremeblog.com/insurance/2008/09/will_you_end_up_in_a_van_down.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.insuremeblog.com/cgi-bin/mt/mt-atom.cgi/weblog/blog_id=4/entry_id=2151" title="Will you end up in 'A Van Down by the River'?" />
    <id>tag:www.insuremeblog.com,2008:/insurance//4.2151</id>
    
    <published>2008-09-26T18:04:34Z</published>
    <updated>2008-09-29T18:51:28Z</updated>
    
    <summary>Here&apos;s another Fun Friday Post that covers politics, humor and even insurance. How can it be Friday and the administration, the democrats and the republicans still have not come up with a resolution to the financial crisis? I don�??t think...</summary>
    <author>
        <name>Lori Reed</name>
        <uri>www.insureme.com</uri>
    </author>
            <category term="Consumer Tips and Resources" />
    
    <content type="html" xml:lang="en" xml:base="http://www.insuremeblog.com/insurance/">
        <![CDATA[<p>Here's another Fun Friday Post that covers politics, humor and even insurance.<br />
<img alt="Van-on-fire.jpg" src="http://www.insuremeblog.com/insurance/blogspace/Van-on-fire.jpg" width="160" height="123"  align="left" vspace="5" hspace="5"/></p>

<p>How can it be Friday and the administration, the democrats and the republicans still have not come up with a resolution to the financial crisis?  I don�??t think their 401Ks are at stake like most of ours.  I am appalled at what appears to be self-serving moves on everyone�??s part.  </p>

<p>With the economy so uncertain, it is time to be conservative and careful with our money.  And it doesn�??t sound like it will get any better in the near future.  </p>

<p>Now I don�??t know if the situation will get as dire as Chris Farley portrayed in his skit on Saturday Night Live. That skit had everyone laughing, even the actors.   If you don�??t remember it or if you just need a good laugh in these times, check it out on <a href="http://www.youtube.com/results?search_query=chris+farley+van+down+by+the+river&search_type=&aq=4&oq=chris+far " rel="no follow">YouTube</a>.  We all need to smile through these times. <br />
 <br />
<img alt="van by the river.jpg" src="http://www.insuremeblog.com/insurance/blogimages/van%20by%20the%20river.jpg" width="90" height="87" align="right" vspace="five" hspace="five"/></p>

<p>If you do have a van, you should check out how to save money on insurance.  Penny Hagerman just wrote a great article on <a href="http://www.insureme.com/insurance/van-insurance " rel="no follow">van insurance </a>which is what reminded me about Farley�??s skit.  If you don�??t own a van, then I still recommend tightening your belt and seeing if you can save money on insurance.   Getting a better rate on your insurance is so much easier these days because you can shop around via the internet.  In the past, you had to rely on your own network of friends.  I am amazed at the savings people come up with, just by researching online.  </p>]]>
        
    </content>
</entry>
<entry>
    <title>Is a Refi Right for You?</title>
    <link rel="alternate" type="text/html" href="http://www.insuremeblog.com/insurance/2008/09/is_a_refi_right_for_you.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.insuremeblog.com/cgi-bin/mt/mt-atom.cgi/weblog/blog_id=4/entry_id=2150" title="Is a Refi Right for You?" />
    <id>tag:www.insuremeblog.com,2008:/insurance//4.2150</id>
    
    <published>2008-09-25T20:30:05Z</published>
    <updated>2008-09-25T20:33:00Z</updated>
    
    <summary>Rather than default on your home loan, do some reading and find out if you might qualify for a mortgage refinance. Here you&apos;ll find resources to help you decide if a refi is the right path for you.</summary>
    <author>
        <name>Penny Hagerman</name>
        
    </author>
            <category term="Consumer Tips and Resources" />
    
    <content type="html" xml:lang="en" xml:base="http://www.insuremeblog.com/insurance/">
        <![CDATA[<p>With so many homeowners defaulting on their mortgages these days, mortgage refinancing seems a viable option that may help. ( Whatever it takes to keep from losing your home is the right thing, in my book!) And with mortgage rates near an all-time low, why not?</p>

<p><img alt="home-and-money.jpg" src="http://www.insuremeblog.com/insurance/blogimages/home-and-money.jpg" width="200" height="145" align="right" vspace="5" hspace="5" />Since lenders have tightened their belts, it's harder to get a home loan these days. But for those who qualify, it may just be worth the time and effort if they can drop their monthly payments significantly and avoid foreclosure. </p>

<p>But how can you know if a refi is right for you?</p>

<p>Total payment isn't everything. Consider also:</p>

<ul><li>The term of the loan</li><li>Whether its rate is fixed or variable</li><li>How long you plan to stay in the home</li><li>Whether your home insurance rates could drop significantly</li></ul>

<p>Yahoo Finance offers a great <a href="http://finance.yahoo.com/how-to-guide/loans/12821" rel="nofollow">How-To Guide for Home Refinancing</a> online. If you're considering making the move to reduce the amount you're paying out-of-pocket each month and you'd like to avoid the pitfalls of refinancing, it's definitely worth the read (along with the other resources listed below). </p>

<p>More Resources:</p>

<p><a href="http://www.bankrate.com/bosre/news/mtg/20011207a.asp" rel="nofollow">FAQ on Refinancing</a><br />
<a href="http://www.usatoday.com/money/economy/housing/2008-09-17-mortgage-applications_N.htm" rel="nofollow">Mortgage Applications Surge</a><br />
<a href="http://www.bankrate.com/brm/calc_vml/refi/refi.asp" rel="nofollow">Bankrate's Refinancing Calculator</a></p>

<p><br />
</p>]]>
        
    </content>
</entry>

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