January 23, 2023
AgencyUnderstanding Common Auto Insurance Terms
Auto insurance can be confusing at times. Policies often contain a variety of terms that can be difficult to understand, especially for someone without a background in insurance. The following is a list of common auto insurance terms to keep in mind the next time your dis cussing your auto policy with your insurance agent. […]
March 10, 2023
AgencyHave a Teen Driver? See If They Qualify for a Discount
A good student discount can help offset the increase in premiums that comes with having a new driver on your auto policy. This is an auto insurance discount provided by carriers that offers reduced premium rates for current students who maintain a specific GPA or other measurable level of success in school. While certain qualifications […]
April 28, 2023
AgencyWhat Is Uninsured and Underinsured Motorist Coverage?
Uninsured/underinsured motorist (UM/UIM) insurance may help cover car repairs and medical costs for you and your passenger if the driver at fault doesn’t have enough or any auto insurance. Sometimes, these policies are sold as a package or separately. There are 28 million uninsured drivers in the U.S. 1 in 8 motorists doesn’t have […]
May 30, 2023
AgencyUsage-Based Insurance and You
As a result of increasing auto insurance premiums, consumers are showing interest in usage-based insurance (UBI) options. According to the J.D. Power 2023 U.S. Insurance Shopping Study, 22% of insurance shoppers were offered a UBI option and 18% purchased it. UBI uses telematics software to monitor driving habits. The insurer assigns rates based on safety […]
July 27, 2023
AgencyMistakes to Avoid When Applying for Auto Insurance
While purchasing auto coverage is an essential loss control measure, you should also understand potential pitfalls that could affect your costs and coverage, potentially leaving you with insufficient financial security in the future. When applying for auto insurance, avoid the following pitfalls: Failing to list all drivers—Make sure anyone who drives your vehicle is listed […]
August 16, 2023
AgencyTop 7 Home and Auto Insurance Challenges
Insurance can be a complicated subject, but it’s essential to take the time to understand your policies and ensure they are providing adequate coverage. This video lists top home and auto insurance challenges as reported by a nationwide survey and can help you know when you may need to contact your insurance agent and what […]
November 16, 2023
AgencyCommon Auto Insurance Policy Questions
Auto insurance policies can be complex and confusing. This blog reviews some of the most common auto insurance policy questions. If a friend drives my car, is he or she covered by my policy? Since most insurance coverage is connected directly to the car, if someone else borrows your car occasionally, he or she […]
January 29, 2024
jdowdinsAt What Age Do Car Insurance Rates Decrease?
Car insurance rates typically decrease as drivers get older, with the most significant decrease occurring between 18 and 19. This decline in premiums is due to insurance companies’ perceived risk reduction between theses ages. How Inexperienced Drivers Can Lower Car Insurance Premiums For young drivers, staying on a parent’s insurance policy can result in lower […]
February 15, 2024
jdowdinsAuto Insurance: What Is Personal Injury Protection Coverage?
Personal injury protection (PIP) is a type of auto coverage that can help pay for your medical bills and passengers’ medical bills if you’re in a vehicular accident, regardless of fault. In some states, PIP can even offer coverage if you’re injured by a vehicle as a pedestrian, cyclist, or passenger involved in an accident. […]
March 21, 2024
jdowdinsWhat Are Insurance Coverage Exclusions?
Insurance policies are very commonplace. Chances are most people you know have at least a homeowners or auto insurance policy—many have both. Beyond these, other popular offerings include life insurance, dental insurance and health insurance. Insurance is designed to help pay for losses you experience. For example, homeowners insurance may help pay for a broken […]