Frivolous lawsuits and outlandish settlements got the public’s blood boiling a few years ago when a judge – yes, a judge – sued a small, family owned dry cleaners for $65 million for losing a pair of his pants. Small businesses, this goes to show, are just as vulnerable to unfounded claims as their deep pocket peers. According to the Small Business Administration, 52 percent of lawsuits target small businesses, which the Institute for Legal Reform estimated in 2007 cost small businesses $98 billion a year. the economic engine that creates 64 percent of America’s jobs. Securities offered through Securities America, Inc. , a Registered Broker/Dealer, Member FINRA/SIPC. Advisory Services offered through Securities America Advisors, Inc. , an SEC Registered Investment Advisor. This January 2010 article may contain time sensitive content that may change over time, becoming more or less pertinent and accurate. Facts, figures, theories and strategies represented in this article may not be appropriate for all investors at all times.
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There are no companies we found that are better or worse, rate wise, when it comes to teen drivers, but larger, direct sale companies like Esurance and GEICO might possibly be new driver friendlier. In addition, virtually all companies offer good student discounts, which can provide an additional incentive for a new driver to hit the books. A large part of an insurance premium depends on the type of car you drive. Is it a Corvette?Lamborghini?Maybe a Ferrari?Or perhaps you drive a Chevy Volt?Each car will impact the base cost of your monthly insurance mainly for the replacement value of the vehicle. In fact, some states and auto insurance companies will not cover certain vehicles. Also, high theft risk cars cost more to cover as well. Hummers, for example, are more costly than other SUVs and one of the determining aspects is the Hummer is stolen more often than other models. Either way, your premium may be higher due to one of those situations. Since you probably won't be going out and buying a new car just to lower your auto insurance, it's good to know what else can affect the costs of a new policy. Try our cheap quotes on auto insurance to save on policy. We compare car insurance rates by zip code from insurers with high financial strength located in your state.