What is the difference between “Actual Cash Value” and “Replacement Cost?”

What is the difference between “Actual Cash Value” and “Replacement Cost?” Introduction It is important to know how “Actual Cash Value” versus “Replacement Cost” can affect the coverage of your personal items. Consider if you had a 70 inch Smart TV, and someone stole it. Would your insurance company give you a settlement to replace your TV with a new one or would the insurance company give you what your TV is worth at the time? In 2018 a national study conducted by Mercury Insurance … [Read more...]

Need to Know Tips to Save on Home and Auto Insurance This National Insurance Day

Did you know that June 28th in National Insurance Awareness Day? Here are a few tips and tricks to help you save on home and auto insurance. We all know the importance and peace of mind that quality insurance brings, but why overpay? First, saving on auto insurance. Here is what you can do to ensure that you are not overpaying: Find the insurer not just with a low price, but who is rated highly as well. Sometimes a low premium can be deceiving. Even though you pay less at first, there … [Read more...]

How to Avoid Distracted Driving and Stay Focused on the Road

Did you know that April is Distracted Driving Awareness month?  Here are a few tips to help keep you safe and focused on the road. In a world with cell phones and drive-throughs, there are a few things that can get drivers into dangerous situations on the go. Avoid using your phone While cell phones are useful tools, they can be dangerous and distracting while driving. It is best to avoid texts and calls while driving. If you need to make a call, hands-free or Bluetooth devices may still … [Read more...]

Road Trip or Everyday Ride –  Must Have Emergency Items to Store in Your Car!

Whether you are heading to work or taking the family across the country, breaking down or becoming stranded is never a situation you want to go through unprepared.  Our mission is to help you prepare for any unfortunate incident that may arise. Here are a few car necessities that everyone should have on hand at all times:   1. Jumper Cables/Jump Starter: Jumper cables work well if you can use another person’s battery for power, but another option is the ‘Car Jump Starter,' which can … [Read more...]

3 Need-to-Know Tips for Buying a Car as a Holiday Gift

If you are purchasing a car for a loved one as a gift this year, congratulations! It’s a big decision to make, with plenty of “to-do” list items to check off, including purchasing a big red bow to put on the hood!  With your mind on a million different tasks, take a look at our quick checklist to ensure you have everything covered to make this the best holiday gift ever! Communicate with the dealer If the car is a surprise gift, it might be best to let the dealer know. Why? To make sure … [Read more...]

Does Auto Insurance Cover Customizations?

Customizing your car gives your car a bit of your own personality, and while it may look cool it’s important to know if these customizations are covered by your insurance. Whether you want to use these customizations for purely aesthetic purposes or want to act like you are part of the Fast and Furious franchise, you have to know whether these customizations are covered under your auto insurance policy. These parts are expensive and if they get damaged in an accident, you want to have some … [Read more...]

Mercury Insurance Ranks Well with Their Customers

Mercury Insurance is among the highest ranked when it comes to auto insurance customers.  The auto insurance market is highly competitive as many insurance companies offer low rates and various discounts. With so many options from which to choose, it is a miracle that many customers have landed with them. With recommendations and fantastic approval ratings, a company that puts its customers first will always succeed–especially if the product is in high demand. So what better way to enhance your … [Read more...]

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