By KEN BELSON For many drivers, trying to figure out where auto insurance premiums are headed is like trying to catch butterflies: just when you get close, they fly off in another direction. Many indicators that analysts typically use to forecast premiums have been in flux. Highway miles driven nationally have risenbut not as much as last year, and the millions of unemployed drivers are using their... 

By Barbara Crews You’ve spent years and a lot of money on your collection – but have you thought about insurance? What happens if something happens to your collection? What happens if a natural disaster strikes, will your insurance cover the loss of a collection? What about a simple case of clumsiness? Will your current insurance cover accidental breakage of a single piece or two? Unfortunately... 

Have you ever had the urge to jump from an airplane with a parachute strapped to your back for the sheer thrill of it? Did you ever wonder what it might be like to ski a D23 slope in the Swiss Alps? Does the thought of crossing the Sahara on camel back really get your heart pumping? If you’ve answered yes to any of these questions, the spirit of adventure is strong with you. On your next expedition... 

By Gregory Boop Business insurance companies create some of the most comprehensive websites on the internet in terms of information for customers and potential customers. Bigger is not always better, but by reviewing some of the largest insurers’ websites you can find information about programs and specialties offered by each company and get a sense of what business insurance is available for... 

By Catey Hill The cellphone falls into the toilet. Your daughter gets the flu the day before you were leaving on safari. Your dog tears his ACL wrestling with another pooch. At any time, the events and accidents of daily life can threaten to put a serious crimp in your style – and a dent in your wallet. Good news: There’s insurance for that. The market has exploded recently for what are called... 

You can’t change many of your risk factors. But you can save money by taking advantage of discounts that insurers offer for behavior that lowers your risk. That could be anything from driving less than the average number of miles per year to quitting smoking. Certain types of people — senior citizens, for instance — also are eligible for price cuts. You’ll also save by installing... 

It may come as a shock to male drivers, especially those who assert vehemently that women are clumsy and therefore dangerous drivers that most accidents are caused by men. In a survey conducted by the reputable charity Brake, only 46% of the people thought that men were poorer drivers, and 42% believed that men and women are in fact equally prone to get into accidents. Home Office statistics show...