Have you recently received a renewal notice for your auto insurance, only to find that your rates have changed? There are many factors that can affect your rates, some of which may be out of your control, and others you have at least some control over. By having a better understanding of factors that can cause your rates to increase or decrease, you can be a better-informed policyholder. Your Driving History…
Read More »Are you in the process of getting auto insurance for one of your vehicles? If so, you may be wondering if you should get comprehensive insurance coverage. While it is not a requirement if your state mandates auto insurance, it can help you out in many situations. Here is what you need to know about comprehensive coverage. What Comprehensive Insurance Covers In states without no-fault insurance, basic auto insurance is designed to protect you in case you cause damage to another person’s car.…
Read More »Purchasing a home involves a number of details that must be attended to, such as scheduling a home inspection, ensuring that all documentation is sent to the mortgage company and title company, and transferring utilities. Another extremely important detail that needs to be taken care of before closing is purchasing a homeowners insurance policy. Since a home is typically one of a person’s biggest investments, buying the right homeowners insurance policy is essential to protect a person financially.…
Read More »If it is time to renew your auto insurance, it is important that you visit your agent in time before the old policy is over. The last thing you want to have happen is to get in a wreck and not be covered. When you visit your agent to renew the policy, there are some things you need to consider. Below are three of these things so you can get everything set up properly.…
Read More »Having a house fire is never a pleasant experience, even if the fire is small. The smallest fire in a house can cause smoke damage to the entire home and everything in it and could cause you to have to move out of your home. If this ever happened, you would be fully protected if your homeowner’s insurance policy included additional living expense (ALE) coverage. Here are several things to know about ALE coverage…
Read More »After individuals have worked in the field of insurance for many years, it can be common for them to seek to start their own insurance agency as a way to further their career and earnings. However, their experience with working for a particular insurance company may not have prepared them for the logistical challenges of starting a new insurance agency. Below are some tips on how to start an insurance agency.…
Read More »If you currently have a high-risk driver label with your insurance company, you are probably paying more for your auto insurance premiums than you would like to be or should be. While this is normal for high-risk drivers, there are things you can do to help yourself get out of this category, so you can qualify for lower rates on your insurance costs. Here are some of the things you can do to help with this.…
Read More »Homeowner’s insurance is necessary but often expensive. You actually have some control over your homeowner’s insurance premium rate, though. There are steps you can take to lower your insurance premium. #1 Raise Your Deductible One of the easiest ways to lower your premium is raising your deductible. A lower deductible makes your insurance cost more, whereas a higher deductible makes your insurance cost less. To save money, you should choose the highest premium that you can afford.…
Read More »After adopting a puppy from a shelter, your life will be enriched each day, and you will be solely responsible for your pet’s care. If you haven’t thought about obtaining a pet insurance policy because you figured it is a frivolous expense that you cannot afford or that you won’t need, then think again. An insurance policy will ensure that your pet receives the care that they need and could even improve or lengthen the life of your pet.…
Read More »If you have an RV, don’t assume that your auto insurance coverage applies to it; you need special RV coverage because the two forms of insurance are markedly different. Here are some of the major differences between the two. RV Coverage Has Higher Liability Thresholds One of the major differences is that RV coverage tends to have higher limits for liability coverage than auto insurance coverage. This makes perfect sense if you consider these two things:…
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