Use commercial insurance calculators for adequate insurance coverage

Need your business numbers crunched? Do not pay your accountant when you can obtain such figures as buy vs. lease, working capital needs, inventory analysis and profit margin with insurance calculators. Small business can make better decisions with this knowledge.

I recommend: Find commercial insurance calculators such as financial ratios and business valuation. Use the complete line of business insurance calculators according to your business needs.

Figure how much auto insurance costs with auto insurance calculators

Auto insurance estimate calculators let you know in advance about what you should be paying for auto insurance. If your actual premium is much higher than the estimate, sit down with your auto insurance specialist to determine why.

I recommend: WaMu Insurance Services provides a free calculator, so put your information in and see how much you should be paying for auto insurance.

Select life insurance calculators for what if scenarios

Life insurance calculators take your current life situation information, process it and tell you how much life insurance you need to sustain your family if you die.

I recommend: MSN provides a calculator that walks you through your current situation. You can enter different scenarios as you wish to calculate life changes you may be anticipating. Farmers provides a fill-in-the-blank calculator for your life insurance estimates.

Choose mortgage insurance calculators to protect your home or business

Home insurance calculators estimate rates you pay for some types of insurance including private mortgage insurance (PMI). PMI bridges the gap when you do not put 20% down for your home or business mortgage. It drops off automatically when your mortgage balance reaches a certain level, usually 78%.

I recommend: For Sale by Owner offers a PMI calculator. If you put less than 20% down on your mortgage, you must get this insurance, which stays in effect until you pay your mortgage down. Countrywide offers home insurance calculators that calculate insurance coverage for windstorm and other perils.