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7 days ago · by · 0 comments

Are you ready for Fall..New Season, New Insurance Needs?

It’s almost time for my favorite season of the year: Fall. This is my favorite season because I get to spend time with my family, Girl Scouts, friends and most of all bake all of my favorite pies and cookies.

Fall is a time for getting your ducks in a row and preparing for the future. As summer comes to a close, assess whether your insurance needs have changed.

Review them by answering these questions:

Has your family changed? If you got married this summer, you may qualify for a discount on your auto policy. If you combined households, you may need to update your homeowners policy. If you’re newly divorced, be sure to update all your policies. If you had a baby, review your life insurance coverage to determine whether any changes are needed.

Did your household add or lose drivers? If your teen just acquired a drivers’ license, it’s typically cheaper if you add him or her to your policy than it is for the new driver to get a separate policy. Plus, you’ll likely receive a multi-policy discount. If your child has left the nest for college, you can usually adjust your policy to reduce coverage.

Have you renovated? Review any home projects you completed. Home additions or upgrades can drastically increase the value of your property. Consult with your agent to determine if your homeowners insurance is still adequate. Don’t forget to include structures you added to the outside of your home, such as gazebos or pools.

Are you now a renter or a landlord? If you’ve moved into a new rental, or if you’ve become a new landlord, be sure you have the right policies in place. As a tenant, you need renters insurance to cover your belongings, even if the owner has coverage for the building. As a landlord, ensure both property and liability coverages are adequate.

Did you retire? A major reduction in commute time could translate into a significant reduction in auto insurance premiums. Plus, your senior status may qualify you for a 55+ discount.

Report any of these life changes to your agent as soon as possible, and don’t take the chance of being underinsured.

Fall

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4 months ago · by · 0 comments

Auto Insurance Agent

Insurance Agent, Do I need one?

Many insurance companies today don’t sell their policies through agents, but directly from the company either online or over the phone.  It might seem that having an agent to help you purchase auto insurance is a thing of the past, but don’t discount the insurance agent just yet.  There are some very good reasons to consider using an insurance agent for your auto policy purchase.

Agents Know Their Products

Many of the customer service representatives who handle the phones at large insurance companies know the basics of auto insurance policies, enough to help you select and purchase one.  But insurance agents, especially those who have been around for a while, understand a lot more about coverage and policy limits.

They can share with you a wealth of knowledge that will ensure you not only get the right policy but the best rate and a good understanding of what you are paying for.  An agent will help you select the best possible coverage limits to fit your needs.

Agents Are On Your Side

If the day comes when you need to file a claim, it’s always good to have someone who is truly on your side.  Especially in a complicated claim, your agent can walk you through the process and be there to answer all your questions.  An agent is also there to step in when there are disagreements with the adjuster or other involved parties at the insurance company.

Because your agent knows all about the policy and how the claims process works, they will better be able to negotiate and discuss claims issues with your adjuster.

Agents Keep Your Policy Accurate

A good agent will take the time to review your policy regularly and make sure that everything is accurate and you are still carrying the coverage you need.  An agent knows when changes in your life might affect your insurance coverage needs, such as a marriage or a child reaching driving age.  Large insurance companies simply can’t provide that level of personal attention.

Are Agents More Expensive?

There is a general view that an insurance policy purchased through an agent will cost more than one purchased directly.  That isn’t necessarily true.  The best rate for you may well be one from an agency, so don’t discount quotes from agents when you are shopping for car insurance.  You might get the best rate along with the service an agent can provide.

You might not feel that you need an agent for your auto insurance, but there are certainly some very good reasons to take the time to meet with a few and see if it turns out to be right for you.

 

Do I Need an Auto Insurance Agent

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5 months ago · by · 8 comments

Tips to Help You Choose Life Insurance

When it comes to life insurance, opinions tend to take precedence over the facts; term life insurance is viewed as affordable, while whole life insurance is considered secure.

Unfortunately, like most things in life, the actual situation is somewhat more complex.

Discover the truth about whole life insurance and whether or not it is the right move for your portfolio, based on these facts.

Permanent Coverage

Unlike term life insurance, whole life policies are permanent.

Once the initial term is completed, term life coverage might become more expensive, whereas whole life tends to become more competitively priced over the long run.

All or Nothing

Whole life insurance offers a death benefit just like term life but also provides additional protection in the form of “cash value.” Unlike a term life policy that pays nothing unless you die, whole life policies allow you to recapture or “cash in” a portion of what you invested over the years.

Additional Savings

Another attractive feature of whole life insurance is the ability to borrow from the policy in the event you need a loan. Because a portion of the money is set aside into a savings account, whole life policies can provide additional funds in the event of an emergency or even serious illness.

Bottom Line

Most experts agree, if you are short on cash or need a policy for less than 10 years, term life insurance is typically the most affordable route. For those who require more than 10 years of coverage or can invest a larger portion of their income up front, whole life often provides valuable protection over the long term. Ask your agent for a comparative price quote demonstrating the long-term cost as well as the benefit of each policy option; you might be surprised to learn how affordable whole life insurance is when used as a financial planning tool.

 

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6 months ago · by · 1 comment

How to Be a Wise Buyer of Auto Insurance

Wise Buyer of Auto Insurance

 

Most people shop for auto insurance after they have purchased a new vehicle, but for the best rates and biggest savings, it’s actually better to begin at the end.

Learn how to buy right to save big on car insurance costs without putting the brakes on the fun.

Shop Used Rather Than New

Not only will a used vehicle mean a slower rate of depreciation, but it’s often less expensive to insure a gently used car.

The sweet spot of savings is on vehicles roughly two to three years old and with less than 45,000 miles, although it varies considerably from car to car.

Keep Credit Tuned

Not only does good credit help reduce the cost of financing your new vehicle but insurance companies routinely consider credit score, driving record and other personal criteria in the cost of insurance.

Make it a priority to stay in shape by performing annual credit evaluations while steering clear of traffic violations in order to obtain the best rates.

Call for Quotes – Especially on Customized Cars

That super-charged engine or enhanced wheel package might look fantastic but tripping the light fantastic could cost you a bundle when it comes time to buy insurance. In fact, depending upon the type of work performed, it may negate the warranty and limit the terms of liability should damage related to the custom changes occur.

Safety Rating Rule

Perform a search for the most recent safety rating associated with the make and model of the car you are considering for purchase.

Title Matters

How you legally hold title to the vehicle is especially important when it comes time to purchase an auto insurance policy.

Parents or partners with poor driving records should pay special attention to how the title may impact the purchase of auto insurance.

If you need a quote, call the office.

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