The range of car insurance options in Australia is impressive for a country of our size. It's easy to become overwhelmed given the number of companies offering "the best", "the cheapest" or "the best and cheapest" car insurance, but there are 7 things you need to consider before you commit to one particular insurer.

If you are like most people on this planet, you are not financially free. You would not be able to stop working and still support yourself and your family from your financial resources. Your ability to work for a salary or wages would therefore be one of your greatest assets.

If you work in a sedentary occupation and are young and healthy, insurance and especially disability insurance is probably not at the top of your list of things to investigate. Would you be able to pay your bills should you be out of work for 90 days? Most people look at the odds of something happening to them and discount themselves as part of the statistics but at least 30% of people 35-65 suffer a disability lasting 90 days. It could be broken bones from any number of accidents or a problem pregnancy or any of many possibilities.

If you've never had to file an insurance claim, consider yourself lucky - in more ways than one. While it's terrific that you haven't suffered a loss significant enough to file a claim, you're also lucky not to have had to suffer through the insurance claim game.

You can buy insurance direct from the provider, your bank or building society, a supermarket, or broker. You can also buy insurance from the provider of another product (such as travel insurance from your travel agent).

Income protection insurance can be a valuable product if you have mortgage repayments or credit card or loan repayments to meet each month. No one knows what is around the corner and if you should become unemployed or have an accident or illness then you could be left struggling.

There are many different ways you can save in different insurance policies. However, some things that will help you save in one policy will have no bearing whatsoever on another policy. Here are things that will help you save across all insurance policies.

Looking over your insurance premiums each year, you may be wondering how you could save a dollar or two on your next premium. As an intangible asset, it can be difficult to put a value on insurance ... until something goes wrong and you need to claim. Insurance specialist Brett Wrightson from Brian Bushell & Associates, highlights the five most common mistakes that business owners make when evaluating their insurance requirements:

We came across this amusing (but true) insurance story with an interesting twist. Only in America!

Accidents, mistakes and misunderstandings can happen in any business. Some are settled amicably, others grow into full-blown disputes, and before you know it you could be facing a legal claim.

The cost of insurance for young drivers is often prohibitive. 17 year old drivers will pay the highest premiums... WHY?

The need for a business insurance starts the moment one initiates the business idea and plan. That is why it very important to have the detailed idea as to what business insurance is and what are its dos and don'ts. Here are some of the initial tips that may help you to get your proper insurance for your business and might also lower the risks and losses of your business.

A question oft posed by many a business or household is whether insurance is really worth the expense. After all, the "It'll never happen to me" syndrome (unless we're talking about death) always seems to strike at the hip pocket.

Insurance, like so many things in this increasingly complex world, can be a bit of a minefield for a large proportion of people. So we thought we'd give you a quick run down on how insurance works and a guide to just some of the types of insurance available. ...

When considering life insurance, you’re planning and preparing for an event most of us would rather not think about. But life insurance represents a critical step in managing your personal finances and ensuring your family’s well-being.

An important part of stress-testing yourself involves imagining what would happen if your source of income were cut off.

If you've done that and the answer scares you, there are various forms of insurance you can take out.

If we want our plans to succeed we need to understand the factors that might hinder that success, risks, and, one way or another, make sure they don't get in our way.

Just because your insurance company has rejected your claim ... doesn't necessarily mean your case is closed. If you think that you've been unfairly treated, here are some ways to get the insurer's decision overturned.

When faced with the option of whether to purchase disability insurance, many consumers say no without fully understanding the consequences of their decision.

Research released by the Investment and Financial Services Association in late September highlighted the fact that Australian women with dependent children had significantly less life insurance than their male counterparts.