"What Every College Graduate Needs to Know about Insurance"
When you leave school you're probably going to be dealing with serious life changes in the work, money and living situation departments.
As you deal with these changes, the one thing we can tell you for certain is you're going to need insurance. There are four types of insurance you'll want to consider after college graduation:
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More important than what kind of insurance you need, you want to make sure you're paying the right price and getting the right coverage.
In college, you were probably on your parent's auto policy because their policy probably covered resident relatives. However, when you move out and/or get title to a vehicle, you're no longer covered.
You'll also find that costs and terms can be very different between a solo policy and your parent's . For example, they might be financially able to have a large deductible on their policy. But that same set up might not be the smartest thing for you.
Auto insurance rates are all over the place and are a result of your driving history, age, gender and a whole host of factors (whether you're married for example.) Finding the right coverage at the right price is no easy task...
That's why you should drop us a line, here at the WHINS Insurance Agency. We represent a wide variety of insurance companies, so we can find the perfect mix of coverage and price to meet your needs.
You might think, "I'm not rich, I don't own a lot of nice stuff." Well, you don't have to be rockin' a number with six zeros behind it in your bank account to have a lot of stuff.
Take a look around your place really quick; do you have any of the following?
Laptop or PC
IPod and other music players
Bedroom set and other furniture
Microwave and other kitchen appliances
Watch / Jewelry
If you think these possessions are not worth much just think about how much it would cost to replace them if something happened. Would you have that money on hand, or would you have to start saving again and buy everything back over time?
It's a sad reality but burglaries, fires, earthquakes and other disasters happen. With renter's insurance, you'd be covered if something happened to your stuff; without it, you'd be living in an empty apartment!
Renters Insurance covers your belongings (clothing, books, CDs, furniture - everything) not only in your apartment but in your car and anywhere else you take them. It protects your things against fire and other occurrences beyond your control—including vandalism and theft.
Maybe you think that insurance like this is only something home owners have or that it's your landlord's responsibility. It's not! The landlord's policy only covers the building, not the stuff inside it.
Renter's insurance goes way beyond just replacing your stolen or destroyed possessions. It will also pay for an attorney and protect you in case someone gets injured while in your apartment and/or you get sued if damage caused by you impacts neighboring apartments.
Renter's insurance will not only give you peace of mind, but it will also make sure you don't start off your new life in a major financial hole! We'll help you find the best policy with the best discounts so you can get on with life!
Now that you have graduated, do you even have health insurance?
As a full time student you can usually stay on your parent's health coverage until somewhere between the ages of 22 to 25. Sometimes, the act of graduating actually gets you booted from your parent's policy! It all depends on the policy and company, so double check if you're still covered.
With the new health care bill passed earlier this year 2010, new federal regulation is that children can stay on their parents policy until age 26. But with the future of these laws in question and open to serious change or not being funded, you need to be aware of where you stand health insurance wise.
Once you're responsible for your own health insurance, you need to find a policy that gives you the coverage you need at the prices you can afford. Don't make the mistake of putting it off!
Being without health insurance makes you vulnerable. Very vulnerable. Even a routine doctor's visit can turn into a bill for thousands of dollars, not to mention what a couple nights in the hospital will run you...
Here at WHINS, we're experts when it comes to all of the different options in the ever changing world of health care. We know what you need, what you don't and what you should be paying. Talk with us and we'll scour dozens of policies to find you the right one!
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We won't lie; shopping for insurance is about as fun as surgery during the Civil War. Between benefits, restrictions, plans, premiums and exemptions, it's enough to make your head spin.
But now that you are out of school and completely responsible for yourself and maybe others, you need to get your insurance situation dialed in.
Insurance is complicated and you can easily pay way too much, buy too much or not enough coverage or go with a company that has a bad reputation. But not if you have us on your side! We specialize in helping college graduates find the insurance they need for their changing lives, no matter what your situation is.
Even though we're Encino insurance agents, we cover the entire state of California. So, if your new job and life take you away from So Cal, we still got you covered!
Call us call us now at (818) 233-0825, email us or fill out the quote request above and we'll get to work for you!