Warning Signs That You Need to Change Your Car Insurance

Are you ready to change your car insurance? Most people don’t think about switching car insurance unless they think they can save money. This is one reason, but there are several warning signs that mean it’s time to look at other auto policies.

Online Resources: What online resources does your car insurance company currently provide you with? Can you look up your policy and find details? Can you explore ways to lower your insurance through tips or programs? Does your agent even have a quality website – or any website at all? If the answers tend to be no to these questions, then it’s definitely time to consider switching car insurance. These days, there is no excuse to be without a proper website that provides customers with real benefits.

You Have Recently Moved: If you have recently moved, then your auto rates may have changed based on your new location, job, etc. It can be difficult to find out just how much things have changed until you ask for a few new quotes from other car insurance options. So if you have made a significant move recently, reach out to new services to make sure you aren’t missing anything.

Poor Claim Service: Nothing can justify poor claim service. If you have had a bad experience trying to make a claim or get a claim fulfilled, then it’s time to look at new car insurance. Even if a claim is denied, it should be a polite and informative process that leaves you with your questions answered. Unfortunately, not all car insurance companies are good at this: Find a place with good customer service first.

Unexpected Rate Hikes: No one likes their rates to go up, but sometimes they do. It can happen for a variety of reasons. But if you are seeing a constant rate creep without any significant reason for it, this could be a sign that your car insurance company is not the best for you. Contact other insurance options and ask about rate guidelines and how your rate should be changing.

Family Changes: Do you have a teenager that is about to start driving for the first time? What about a grown child that is getting ready to leave for college, or a new baby on the way? An important family change is the right time to consider looking at new auto insurance: Other insurance policies may be more affordable or more practical for your new situation.

 

 

 

Do I Have Enough Auto Insurance Coverage?

Before getting behind the wheel, it is always wise to consider the enormous responsibility that driving entails. A motorized vehicle can do great damage to other people and property. Of course, someone must pay for this damage. The average driver does not have enough money on hand to cover the thousands of possible dollars needed to recompense those harmed in an accident. Therefore, people need auto insurance.

Most states require a certain minimal amount of auto insurance coverage. It is always wise for motorists to check with their state road authorities on this requirement. It is also imperative that they consider additional coverage. Just how much depends on their level of expected need. As a guideline for those contemplating among various auto insurance plans, following are types of protection available across the nation.

Bodily Injury Liability (BIL) Auto Insurance

BIL pays for the damages a driver causes to other people during an accident. These policies have maximum amounts that the policyholder knows when making the purchase. A 20/50 policy, for example, covers $20,000, for injury to a single driver and $50,000, for all passengers hurt in a car.

Property Damage Liability Auto Insurance

The other car may also be damaged during an accident. Property damage liability insurance takes care of these costs. It is common for consumers to add this type of coverage to an existent BIL plan. For example, a 20/50/20 policy would provide $20,000, for a single driver and $50,000, for all passengers in a car and $20,000 for automobile repairs or replacement.

The amount of coverage and its cost depends on where the potential customer lives. The best way to make an informed decision among policies is to check rates live online. The numbers quoted online are those available at the moment in a particular zip code.

Personal Injury Protection (PIP) Auto Insurance

Along with paying for damages to others and their property, drivers also want to protect themselves. Medical expenses can prove costly. PIP will make things more affordable. Some PIP policies even provide an income while the driver remains out of work rehabilitating from accident injuries, so prices vary.

It is always best to compare policy quotes before deciding. It is even possible to do so online from home.

Making an Informed Auto Insurance Choice

Drivers need to weigh many factors before choosing an auto insurance plan. Most importantly, they must know the current rates being charged in their area. Then, it is necessary to be sure to have enough coverage to handle an unfortunate auto collision.

How to Avoid Paying Too Much For Car Insurance

If you own a car there is no way around paying for car insurance. Luckily for you, however, there is plenty you can do to avoid paying too much for that insurance. There are common mistakes that people make when beginning to shop for car insurance to take note of. Knowing these mistakes can better prepare you for your insurance shopping.

Failing To Be Prepared

Not knowing what you need and what you don’t need from your car insurance can lead you to purchase an inadequate policy, therefore, paying too much for it. Before you even begin shopping, you should know what is required by your state, how much coverage your lender requires (if the car is not paid off), how much you can afford for your monthly premiums, and how much you can afford to pay out of pocket if the situation arises. Also consider things like roadside assistance if you don’t have AAA or if you can’t afford a rental car in the case of an accident. Knowing what you can and cannot afford will help you better understand what you really need on your auto policy. Another thing to consider is collision and comprehensive coverage. As a rule of thumb, to save money on car insurance, if your premium is more than 10% of your car’s value, you may not need it. If you can afford to replace the vehicle if stolen or totaled, you really may not need it.

Failing To Shop Around

The same policy could be substantially cheaper from another company. Failing to look at what other companies will offer you as a rate is doing yourself a major disservice. If you are already going through the motions to get car insurance, make sure you look at several companies so you can get the same rate. However, you should keep in mind that not all companies are equal. A very low rate from a company with a bad reputation is worse for you in the long run. Make sure you research the companies first before purchasing car insurance. Once you find a few companies that you like, compare the quotes to get the best rate.

Failing To Ask For Discounts

Almost every single car insurance company offers discounts for something. When getting your quotes, make sure you ask about any discounts that may apply to your situation. If you do not ask, you will never know, and you could end up paying a lot more for insurance simply because you didn’t ask. Some common discounts including bundling, good driver, good student, low mileage, and much more.

How Will Insurance Fit Into Your 2016 Budget?

As 2015 comes to a close, many individuals are considering their goals for 2016, specifically their financial goals and changes they would like to see in their budget and savings. While you are considering your 2016 financial goals, don’t forget to consider how insurance coverage will fit into your new budget.

Why Insurance is Crucial to Your Budget

Many people consider insurance a lesser priority than many other aspects of their budget, like say their house or car payment. However, insurance deserves a much higher ranking on your budgeting priority list. The reason is because insurance is the safety net that can keep your entire financial life from crashing down. Sickness, natural disaster, injuries, fires, floods, storms, car accidents, and other unpredictable events can throw the most carefully planned budget into a tailspin that could take years to recover from. Insurance against these events is the easiest and most reliable way to make sure you can face anything life throws at you. In the event of a catastrophe, the entire budget is dependent on the insurance choices you have made previously.

Which Type of Insurance is Important?

The types of insurance you need depends greatly on where you are in life. Do you own a home or rent? Are you married or single? Do you have children? Do you own a vehicle? Do you own recreational vehicles? Do you work in a dangerous occupation? All of these questions will help guide you in choosing the types of insurance you need in order to make sure you and your family are well protected in the event of a tragedy.

When most people think of insurance, they think health insurance and life insurance. However, many families have found that unexpected home damage or car accidents can have a devastating impact on their family as well. This is why you cannot ignore your need for sufficient home and auto coverage. Often taking the minimal route can prove financial disastrous later on.

Fitting Insurance into the Budget

If you are like most people you are tempted to say, “but I can’t fit insurance into my budget.” The truth is you can’t afford not to fit it in. A careful evaluation of your income and spending will very likely reveal areas of spending that can be curbed in order to insure yourself and your family properly. Compare quote comparisons to help make sure you get the absolutely best deal available to fit your New Year budgeting goals.

I Don’t Own the Apartment. What Do I have to Lose? Why Renters Insurance is More Valuable Than You May Think.

If you’re renting an apartment, you may think that you don’t have much financially invested into the property. What you may not realize, however, is that in the event of a disaster, you could be financially liable for more than you think. Do not make the mistake of thinking that your landlord’s insurance policy will protect you from all lost or ruined belongings. You could still find yourself liable for significant costs associated with unexpected damages to furniture or valuables, or for an accidental injury that occurs to a guest in your apartment. As protection against such financial consequences, renters insurance may be a valuable and affordable option to safeguard your personal investments.

As a tenant, even though you do not own the property and even though the landlord carries an insurance policy, there are still scenarios where you are financially liable if a disaster occurs. For example:

  • If your apartment building is destroyed by fire and all of your personal items are ruined, you will have to pay to replace those belongings, and may need to pay for a new permanent, or temporary place to live.
  • If a natural disaster, such as hail or a tornado, strikes and damages your personal property, such as a grill or patio furniture, you may need to pay to replace the damaged items.
  • If your apartment is vandalized, you may have to pay to replace stolen items such as a laptop or flat screen television.
  • If a pipe bursts and your apartment floods, ruining your furniture, you will need to pay to replace ruined items.
  • If a guest in your apartment slips and falls on the steps and sues you for his injuries, you may be responsible to pay the cost of medical care.

Under these scenarios you, and not your landlord, would be responsible for paying to replace damaged or lost items, or paying for medical costs associated with an accidental injury. Renters insurance, however, can protect you in such instances:

  • In the case of a fire or flood, renters insurance will help you pay to replace damaged furniture and belongings. Renters insurance may also help you to pay for temporary living expenses if you need to relocate to a hotel or other temporary housing location.
  • In the case of a natural disaster, renters insurance can help you pay to replace damaged property.
  • If a thief breaks into your apartment, renters insurance can help you pay the cost to replace lost items, as long as they are listed in your policy and you meet the coverage limits.
  • If a guest suffers an injury in your apartment, a rental insurance policy that includes liability protection may cover the cost of medical care to compensate the injured individual.

Renters insurance is extremely affordable, especially for first time renters. Depending on the policy type and deductible selected, the cost of renters insurance may average only a few hundred dollars a year for $500,000 of liability coverage and $20,000 of property coverage. Speak with your independent insurance agent to determine which policy may best suite your needs based on your belongings and their value. Discuss with your agent what protections specifically apply to tenants and landlords in your state, and decide what deductible level will best suite your needs. Remember that while higher deductibles can decrease the annual cost of coverage, you will be liable for more upfront costs out-of-pocket if an incident does occur.

Precious Cargo. The Safest Vehicle Choices for Your Teen Driver.

When the day comes for your teen to get behind the wheel of a car and hit the road on his own, it can be a day of both pride and apprehension. As parents, it is our job to prepare our children for the responsibilities of the road and to put them in the best position possible to travel safely. Vehicle choice is an important factor impacting teen driver safety, and unlike so many other factors, it is an element that parents can help to impact. To help ensure your teen is in the best position to stay safe behind the wheel, consider these features when helping your teen to select the right vehicle:

  • Do your research. Before putting your teen behind the wheel of any vehicle, review its safety ratings to ensure it has proven safety reliability. You can find reviews at the U.S. Department of Transportation or the Insurance Institute for Highway Safety.
  • Select a newer vehicle. Though more expensive than older, used vehicles, newer vehicles are typically in optimal working order and typically offer the newest and most advanced safety features to help keep your teen safe from accidents and injuries.
  • Choose a vehicle with high quality safety features. Select a vehicle for your teen that possesses optimal safety features such as fully functional seat belts, front, rear, and side curtain airbags, electronic stability control, anti-lock breaks, and ideally a rear back-up camera. Avoid vehicles where vision may be impaired, such as vehicles with tinted windows or modified pick-up trucks or Jeeps with obstructed rear views.
  • Choose a vehicle with proper crash protection. Aside from properly functioning airbags, choose a vehicle that offers optimal crash protection. Mid-size vehicles offer more protection than smaller vehicles in the case of a collision.
  • Choose a stable vehicle. Sport utility vehicles (SUVs) and other taller vehicles are more likely to roll over due to their height. Instead, choose a sedan with a lower center of gravity that is more stable and less likely to tip or roll. Heavier vehicles are also safer than smaller, lighter options.
  • Consider fuel economy. Choose a vehicle that gets at least 20 miles per gallon in city and highway driving to minimize the possibility of running dangerously low on fuel due to poor miles per gallon ratings.
  • Avoid vehicles with high horsepower. Sports cars and other high-performance vehicles may encourage reckless driving by tempting drivers to speed in order to appreciate their full functionality. Select a vehicle with a more responsible and functional appearance and performance level for better safety.

A newer vehicle with fully functional safety features can help protect your teen driver during his initial years on the road. For questions regarding your insurance coverage and what steps you may need to take in order to insure your teen driver, contact your independent insurance agent.

 

Insurance Definitions: Basic Insurance Terms

Sometimes the insurance buying process can be a bit confusing, especially when you shop for coverage online. Make sure you know the basics before you buy your next insurance policy. With the help of our easy to follow basic terminology guide, you’ll be able to start comparing quotes from multiple national providers online in just minutes!

Online Insurance Shopping Basics: Insurance Definitions

Auto
Auto insurance is the most common type of insurance purchased in the United States. All drivers in the U.S. are required by law to carry at least their state minimum level of coverage. While, additional coverage options are available in order to cover any possible outcome of an auto accident. 

A policy is purchased by the vehicle owner/operator in order to help reduce the costs associated with getting in an auto accident. Policy holders pay an annual premium to their insurance provider and in turn, their insurance provider will pay all or some of the costs associated with an accident or damage to the covered vehicle.

Home
To shield your home and assets from the unexpected, there is no better protection than homeowners insurance. This form of property insurance is often required to be obtained by new homeowners before the sale of their house can be finalized. It is designed to help protect the home itself, the homeowner and in some cases the possessions contained in the home, in the event of an accident. Premiums are paid by the policy holder annually, while the insurance provider pays out all or a portion of the costs associated with an accident or other damages.

Life
Life insurance coverage works in the same way that the other types of insurance listed here do. When an annual premium is paid out over time, policy providers make a promise to pay for any costs related to the insured’s death. This lump-sum payment is known as a death benefit and is paid out to beneficiaries of the policy holder’s choosing.

There are 2 main types of life insurance available in the US. Term life insurance provides financial protection for beneficiaries over a predetermined period of time, typically 10 to 20 years. While whole life insurance is designed to be a lifetime coverage for beneficiaries.

Get the Coverage You Need Today!

Don’t get caught without the right level of coverage when you need it the most. Instead, visit your team of independent agents online today to start comparing quotes from multiple national providers in just minutes and save on your next policy.

 

What is Comprehensive Insurance and Why Do I Need It?

Did you know that there is more to comparing insurance coverage than just looking at rates? In fact, it is always important to look at the type of coverage you are receiving when you compare two or more auto insurance carriers. There are several optional choices to make that will protect your vehicle above and beyond what is required by law. One of these coverage options is comprehensive insurance.

But what is comprehensive insurance and why do you need it?

What Comprehensive Insurance Covers

The easiest way to understand comprehensive coverage is to think of it as a portion of your policy that protects your vehicle against everything besides a collision. This includes things like storm damage, hitting an animal, tornadoes, hurricanes, and other acts of nature. It also covers situations that are out of your hands, such as fire, theft, vandalism, falling objects, and damage from civil riots. You are subject to your deductible when using this type of coverage, which is chosen by you at the start of the policy and not by your insurance company.

However, there are some common misconceptions about how it works. Comprehensive coverage does not take care of damages to another car that is not listed on your policy, which is covered under your property damage portion. It does not protect you against hit-and-run accidents or if the other person does not have insurance.

Why You Need Comprehensive Insurance

One of the biggest reasons to have insurance, besides being required by law, is to protect yourself and your family from unexpected problems. Having comprehensive coverage on your auto insurance policy ensures you are taken care of should something unusual occur. If a sudden storm knocks down a tree in your neighborhood and it lands on your car, having made the decision to carry comprehensive insurance ahead of time will enable you get your vehicle fixed in a timely fashion. If you wake up and discover that your vehicle has been stolen, having this coverage will help you buy a replacement.

Each policy will have its own set of provisions outlining the exact covered perils under comprehensive insurance, so it is important to make sure you speak with your insurance agent prior to filing a claim.

For more information on auto insurance coverage in your area, please contact a local agent today.

Tips and Tricks to Get Your Life Insurance Rates Lowered

Making the decision to invest in life insurance coverage to protect your loved ones after you pass is one of the best choices you can make. Having the peace of mind knowing that your family will be taken care of when you are gone is priceless. But sometimes, paying your insurance premiums can take away from what you’re able to give right now.

Luckily, there are several steps you can take when shopping for life insurance coverage online with your independent agents that will help to ensure you get the best coverage available at a price that fits your budget.

Top 3 Tips for Getting Lower Life Insurance Rates

Buy Early

The time to invest in a life insurance policy is right now! Make the initial investment in life insurance while you are young and healthy, especially if your family has a history of serious illness. Younger life insurance applicants also receive lower premiums and often get better deals on coverage.

Live a Healthy Lifestyle

Life insurance rates are calculated by how healthy you are when you purchase the policy. This means the fitter you are the lower your overall rates will be. Life insurance companies take many different factors in to consideration to assess your level of health. But certain things like your weight, fitness level, and whether or not you use tobacco products are factors that you can control to keep your rates down.

Shop Online

Comparing quotes from multiple national providers online with an independent insurance agency is the best way to make sure you are getting the best rates available. With the help of experienced insurance agents you can explore additional coverage options and get a breakdown of your coverage at any time, giving you the confidence you need to purchase an affordable policy. Take the time to explore all of your options before purchasing a policy to make sure you have the most affordable and comprehensive coverage available.

Start Comparing Quotes Today

There is no time like the present to invest in a life insurance policy that will provide for your family after you are gone. We make it easy to compare quotes from top national providers online in just minutes.

Visit our independent agents online today to compare quotes and give your loved ones the gift of security, with an affordable and complete life insurance policy.

How Independent Agents Can Get The Best Quotes For Life Insurance

The Internet age has revolutionized the way Americans like to shop. For many people the opportunity to do their shopping from the comfort of their home is a convenient and affordable option. You can purchase everything from your groceries to furniture and even life insurance online with just a few clicks of your mouse.

But in some cases, shopping online can be a daunting task. If you are unsure which life insurance coverage options are right for you or just want a little extra help in the buying process, shopping for insurance online may not be so easy.

Compare Quotes Online with Independent Agents

Luckily, with our team of independent agents, you can compare quotes online from multiple national providers to find the coverage options you need at a price that fits your budget. We can help take the guesswork out of finding the best life insurance coverage online.

Insurance laws vary from state to state and that is why it pays to put your trust in independent agents to find the coverage that works best for you. With just a few clicks of the mouse you can easily compare quotes from multiple providers and narrow down your search.

If you have questions about different coverage options, price points or the quoting process in general, our experienced independent agents are always available to assist you. We make it easy to combine the ease of online shopping with just the right level of personal assistance when you compare quotes with us.

Start Shopping for Your Next Policy Today

You’ll be surprised at how many life insurance options are available to you when shopping online. Our independent agents make it easy to find the right coverage to fit your needs and your budget. With just a few minutes online you can find affordable and comprehensive coverage that will leave you feeling safe and confident.

Don’t get caught without the right level of coverage when you need it the most. Remember, comparing life insurance quotes online can be a fun and easy process with the help of our experienced independent agents. Simply visit us online today to start comparing quotes from top national providers in just minutes. Don’t delay, give yourself and your loved ones peace of mind with total life insurance protection.