How much does the Cheapest Car insurance Cost ?
That really depends on your credit score, claims history, driving record, where you live, etc. The cost comes from the symbol of the vehicle if physical damage coverage is selected, the location where it is being kept, annual mileage, levels of coverage and most importantly the record of the insured driver.

What is Auto Insurance ?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

What about Buying Life Insurance for a spouse or children ?
Generally, that should not be done in lieu of buying appropriate amounts of life insurance on the family breadwinner's. It is extremely important that you protect the earning capacity of the primary breadwinner, if possible, with the right amount of life insurance before considering life insurance on children or spouse. In a dual-income household, it is important to protect the earning capacity of both spouses. Life insurance for a non-wage earning spouse is often recommended for help in paying for household services lost if that spouse dies.

Should I buy Term Insurance or Cash Value Life Insurance ?
Term Life Insurance pays out in the event of death. Cash value, which is more costly, has a cash amount you can withdraw before death. Which one is for you will depend on your circumstances. First answer an insurance question - how much life insurance should you buy? Then look at the financial aspect - what type of policy should you buy? The amount of life insurance you need may be so large that the only way you can afford it is by buying term insurance, which carries a lower premium than cash value policies. If your ability (and willingness) to pay life insurance premiums is such that you can afford the desired amount of life insurance under either type of policy, you can consider the financial decision - which type of policy to buy. If you view life insurance as an investment, you'll want to study rates of returns. If it's protection, then your purchase is a matter of what you can afford and want to spend.

What do I need in order to file a Death Claim ?
In order to file a death claim on a Prudential Policy, you will need the following information :

1. Policy number and, if available, the policy itself or Certificate of Insurance.
2. Date of insured's death.
3. Certified copy of the insured's death certificate.
4. Date of insured's birth.
5. Insured's mailing address.
6. Beneficiary's name.
7. Beneficiary's relationship to the insured.
8. Beneficiary's date of birth.
9. If the beneficiary is also deceased, you will need: Certified copy of the beneficiary's death certificate.

How much Life Insurance is needed ?
"Life Insurance Needs," means the amount of life insurance death benefits (pure life insurance protection) that is needs upon a person's death. There are a range of life insurance products to choose from, such as term life insurance, whole life insurance, variable life insurance, universal life insurance, and variable universal life insurance. Choosing amongst different products is not the main concern here. The main concern is the amount of life insurance death benefits you needs, regardless of the type of product you choose.

What are my different options for Paying Premiums ?
Depending on which Prudential product you own, you may be able to pay your premiums on a monthly, quarterly, semi-annual or annual basis. You may also be able to have your premiums deducted directly from your paycheck.

If a friend drives my car, is he or she covered under my insurance ?
Other drivers who your permission to use your auto are frequently covered. To make sure, check your policy or ask your agent. Find out if there are limitations regarding your policy and how they apply to other drivers.
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