With the soaring cost of gasoline, many people are seeking more economical ways of getting around. Increasingly, people are car-pooling or taking the bus. Many city dwellers rely solely on mass transit and taxis to get around; they rent cars whenever they need to take longer trips. In at least 20 American cities, car-sharing clubs have sprung up. These clubs own vehicles that are available for hourly rentals to club members. The idea is to give people who occasionally need a car access to one without the cost and inconvenience of ownership.

In today’s tough economy where the price of everything from gas to groceries is skyrocketing, we’re all looking to save a few bucks. Many consumers are attempting to save pennies here and there by choosing generics over big name brands in their supermarket aisles. From cereal and orange juice to glass cleaner and paper towels, there’s a cheaper generic version of almost every type of product out there.

Americans love to take to the water because it provides a feeling of freedom and a sense of adventure. But boating can have a dark side, too. According to the U.S. Coast Guard, there were 5,191 boating accidents reported in 2007. However, this is probably only the tip of the iceberg. The Coast Guard believes that more than 80 percent of all boating accidents go unreported.

When it comes to saving for retirement, the early bird gets the worm. The sooner you start planning for retirement, the less likely you’ll struggle to get by when your working days come to an end.

Most consumers see buying auto insurance as an irritating and unrewarding process. After all, who gets excited about shelling out money for a policy they hope to never use? Not to mention that finding the ideal insurance for your vehicle and financial situation can be a daunting and complex task.

Do you have enough liability insurance?  If there were a vehicle accident for which you were at fault, and a child were permanently disabled, would your auto liability policy offer enough coverage to pay for the skilled care the child would need for years to come?  If a young parent were killed in a freak fall on your property, would your insurance cover the support he would have provided his children as they grow up?  We'd all like to believe that such catastrophic losses would happen only to other people.  But there is nothing we can do to totally eliminate the risk of this type of event in our own lives.  

Americans can't be parted from their cell phones, especially when they are driving. A recent survey conducted by The National Highway Traffic Safety Administration indicated that approximately 10 percent of drivers on the road are talking on their cell phones when behind the wheel.

Hopefully, you will never be served with legal papers and involved in a costly lawsuit. But in the event you are, it will be imperative that you have the insurance to cover your legal liability. That's where a personal liability umbrella policy can help.

The weeks between Thanksgiving and New Year's Day include the most important entertaining season on many people's social calendars. While these festivities are a wonderful part of the holiday season, they do bring with them a very serious problem-partygoers who drink too much and then get behind the wheel of a car. Many people downplay the issue, but statistics prove how serious it is.

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