6 Good Questions to Ask When You’re Looking for a New Auto Insurance Agent

Getting auto insurance can be a confusing process, particularly for first-timers. When it comes to auto insurance, choosing the right agent is half the battle in making sure that you find the best coverage to suit your needs. That’s why when looking for a new auto insurance agent, it is recommended that you ask certain questions before making a decision. Following are 6 good questions to ask when you’re looking for a new auto insurance agent: 1. What Companies Do You Represent? The … [Read more...]

6 Ways to Keep Your Auto Insurance Premiums Down

If you are worried about increased auto insurance premiums, you are not alone. According to estimates, auto insurance premiums have increased by about 20% in the past few years. There are a number of reasons behind these rising auto insurance costs. Fortunately, there are several ways to keep these costs down. Following are 6 ways to keep your auto insurance premiums down: 1. Don’t Over Insure Because many auto insurance agents offer high limits of liability insurance by default when … [Read more...]

Factors that affect a Homeowners Policy

Introduction It's always important to know what can affect the cost of your Homeowners Policy. Homeowner's insurance is property insurance that covers losses and damages to an individual's house. Homeowner's insurance also provides liability coverage to protect injury to others in the home or on the property. We'll be covering what factors can affect your Homeowners Policy, which could also change your monthly premium.   Why is Homeowners Insurance Important? A … [Read more...]

High or low Deductibles, The logic behind both

It is important to understand what a Deductible is. A Deductible is an amount you’re responsible to pay before your insurance pays their portion. For example, if you were in a collision and the ambulance had to take you to the emergency room; You would have to take care of your deductible portion first, and then the health insurance would cover the rest. We will use high or low car insurance Deductibles as an example. What is a high Deductible? A high deductible is a higher amount of money … [Read more...]

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...]

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