Articles written by D. Lowell Brown

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Happy husband, Proud father. I love writing.

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Personal Finance > Auto Insurance What factors affect car insurance rates?: 1 of 8
The answers to this question get less and less specific every year. The auto insurance market is such a competitive arena that companies are constantly coming up with new pricing models. These models are designed to help the company "rate for the risk". Information is gathered from several areas, however, the most important ... More..
Personal Finance > Life Insurance Why you should get life insurance, even if you're young and single: 1 of 7
Being young and single means that you have nothing to worry about, right? If only that were true. While being young and single changes your life insurance needs, it does not dismiss those needs completely. There are many reasons that you should buy life insurance, even when you are young and single. However, the four reasons... More..
Personal Finance > Life Insurance After your mortgage is paid, do you need life insurance: 1 of 5
Your needs for life insurance will fluctuate continually throughout your life. When you get married, they change, when you have kids they change, when those kids leave your home they change. Your life insurance needs are somewhat dictated by these events. Professionals in the insurance industry sometimes call these "life eve... More..
Personal Finance > Home Insurance When filing a claim on homeowners insurance raises your rates: 2 of 6
I have some bad news for you. Filing a claim of any type will typically raise the premium on your homeowners insurance. Whether it is due to your negligence, or to your son's German Sheppard. Be it a lightning strike or a burst pipe, if you file a claim, and your insurance provider pays for damages, your rates will increase ... More..
Personal Finance > Home Insurance Why you should have renters insurance: 5 of 14
Most people shopping for renters insurance focus primarily on protecting their goods. While renters insurance does cover your goods at a home or apartment you are renting, it is designed to protect you in additional ways. Your stuff. Your personal items are covered by your renters policy no matter where you or your items are... More..
Personal Finance > Life Insurance How much life insurance should one buy?: 6 of 16
There are several factors that you should consider when deciding on an appropriate amount of life insurance. Each person has different needs, but since you are reading this instead of meeting with me in my office, I'll have to write in generalities. How much do you make? This will help you determine a couple of things; first... More..
Personal Finance > Home Insurance How to read a homeowner's insurance policy: 3 of 8
Purchasing a homeowners insurance policy can be frustrating. What's worse is that now you have a policy sitting in front of you that is full of numbers, percentages, legal terms and insurance lingo. What does it mean? How do you know if you have the coverage you need? Having a basic understanding of terms commonly used in ho... More..
Personal Finance > Auto Insurance Auto insurance: Money-saving strategies: 7 of 16
Money is tight these days. The economic conditions are forcing more and more people to examine their spending habits, and cut back where they can. Car insurance is one place where you may be able to save. There are a few things you can do to be sure that the premium you are being charged is as low as it can possibly be. Meet... More..
Personal Finance > Home Insurance Mobile home insurance: What does your policy cover?: 1 of 2
Whether it be a mobile home or a stick built home, your home represents a significant financial investment. It is important to be familiar with all things regarding your home, especially the insurance policy. Do not make the mistake of assuming that your insurance representative will put together the perfect policy. You need... More..
Personal Finance > Auto Insurance Auto insurance: What is collision insurance?: 1 of 1
Very few people enjoy purchasing insurance. Often, they hurry through the process as quickly as possible. Their intent is to make this process as painless as possible for the smallest amount of money possible. However, very often in their rush to get through this process, they fail to learn what their policy actually covers.... More..