Every holiday season comes with many joys and some challenges. There are always situations that are going to be out of our control during the holidays. However, when it comes to common holiday risks, we’ve got a few holiday safety tips to help you avoid undue problems. Now you can worry about other things, like avoiding holiday weight gain. BEWARE OF CHRISTMAS TREE LIGHT DANGERS Inspect each set of Christmas lights (old or new) for damage. Return or throw out any set with cra

Two factors determine what you pay for auto insurance: the insurance companies’ underwriting process and rating system. Auto Insurance Underwriting Insurance companies underwrite to assess the risk associated with an applicant, group the applicant with other similar risks and decide if the company will accept the application. Based on the results of the underwriting process, the rating assigns a price based on what the insurer believes it will cost to assume the financial res