June 26, 2024
jdowdinsWhat Is The Process For An Auto Insurance Claim?
Knowing how and when life will return to normal helps give you peace of mind when an unexpected loss occurs. Check out this general guide to the auto insurance claims process, so you can understand what to expect if you have to file an auto claim. Auto Claim File a claim For many carriers you […]
May 30, 2024
jdowdinsWhat Is Personal Injury Protection Insurance?
Do you know what Personal Injury Protection coverage is? Do you need it? Check out this video to learn more about this important auto insurance coverage.
May 22, 2024
jdowdins6 Types of Auto Insurance Coverage
It’s important for auto insurance policyholders to fully understand the protection provided by their coverage. Check out this video which discusses coverages included in most standard auto policies.
April 15, 2024
jdowdinsWhy It Can Pay to Have Uninsured Motorist Insurance
Car insurance is a vital safeguard for drivers that is often legally required by states. Specifically, auto liability insurance (a standard component of a car insurance policy) can help pay for damages you cause to others in an accident, saving you from costly out-of-pocket expenses. For example, if you rear-end another car, your liability coverage […]
April 8, 2024
jdowdinsDistracted Driving Awareness Month
April Is Distracted Driving Awareness Month. Engaging in activities such as texting, using social media, adjusting the GPS or radio and consuming food while driving can reduce a driver’s reaction time, leading to accidents. According to the National Highway Traffic Safety Administration (NHTSA), distracted driving killed 3,522 people in 2021— nearly 10% of all U.S. […]
April 5, 2024
AgencyWhy Home And Auto Insurance Rates Are Continuing To Rise
Thanks to an unusual convergence of market trends, ushered in by the pandemic and followed by other disruptive events, you may see a bigger change to the cost of your home and auto insurance than usual when it comes time to renew your policies this year. Insurance rates are based on what an insurer thinks […]
April 5, 2024
jdowdinsHow to Choose Your Car Insurance Deductible
When you make a car insurance claim, you pay the deductible before coverage kicks in. Comprehensive and collision coverage (which can pay for damage to your car) typically include deductibles. In some states, uninsured/underinsured property damage and personal injury protection claims also require deducible payments. How Deductibles Affect Auto Insurance Premiums Insurers use several metrics […]
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 […]
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. […]
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 […]