Workers Compensation Insurance is intended to pay for the medical payments of employees who sustain work-related injuries. This could be an employee who sprains their wrist while tripping in the office, or something more serious, such as forklift injury. In any case, worker’s compensation insurance is designed to make sure that an employer can take […] Read More

Periodically, I like to call competing insurance companies and have them quote my personal insurance. This way, I can know if it really is possible to save 15% on my car insurance (I never do) and to see the quality of service and advice I receive. Last week I called into one of these companies […] Read More

Any parent who has placed their life in the hands of their young, 16-year old’s driving ability knows that this is a truly terrifying experience. Eventually, they become responsible, experienced drivers who understand and follow the rules of the road. But for a few years, youthful operators pose the greatest risk to roadway safety. In […] Read More

According to the American Automobile Association, drivers in their 70’s have more collisions per mile than any age group. (except those under 25) In their late 70’s they have about the same rate of injury-involved accidents as drivers their early 20’s. The reasons are obvious. As we age, our reflexes slow, making it more difficult […] Read More

Even if you don’t update your relationship status on social media, you should make sure you update it with your insurance agent. This can have a large impact on your premium – especially your auto premium. Auto insurance companies give several discounts. Depending on the number of people you have on your policy and your […] Read More

My wife and I are about to begin searching for our first home. With this new season approaching, I’ve started to think about what things I need to understand to be the most prepared for this large decision, especially in this very competitive housing market. One of the things to understand is what about the […] Read More

As unbelievable as it sounds, insurance companies are struggling to keep pace with changes in auto accidents due to increasing frequency and severity. Over the last several years, carriers struggled to have premiums meet losses and expenses on personal auto policies that they have underwritten. And while the graph below is a few years old, […] Read More

Spring is a popular time for people to begin the process of shopping for a new house. The decision of whether or not to move, and what house to choose, is often driven by the cost involved. Of course, the cost of the house is most importan and interest rates are also a major consideration, […] Read More

While you shouldn’t choose a car based upon your insurance premiums, it doesn’t hurt to prepare for what it might cost. Make the choice based upon your needs. It is a bit similar to when someone asks, “Will my homeowner’s insurance premium go down if I put in an alarm system? Of course it will, […] Read More

Are you paying too much for your Auto and Homeowners Insurance? Consider these tips: Multi-Policy Discount Most insurance companies will give you a multi-policy discount for having both your auto and homeowners insurance with them. So, if you rent an apartment, carrying renters insurance won’t just give you the protection you need, and that your landlord […] Read More

Coming up to my wife and I’s one year anniversary has me thinking how marriage affected our insurance as newlyweds. Was there anything I could have done to improve my insurance coverage? If you’re about to get married or have been married for years, there are still some things you should consider. Top 5 things […] Read More

When is a car old enough to drop full coverage on it? There are two major divisions of coverage on the auto policy.       1. Liability. This coverage is intended to cover the other person if you cause an accident or cause damage or injury. Liability is always necessary. It is, of course, […] Read More

For many years, car insurance rates have been determined by familiar factors such as the driver’s age, sex, driving record, type of vehicle, how the vehicle is used, and credit ratings. Modern technology is making possible the use of other factors which could revolutionize car insurance. This is called Usage Based Insurance (UBI). Some companies are now testing UBI. […] Read More

Maybe you have noticed that your homeowner’s premiums have increased quite a bit in recent years and wondered why?  We don’t like it any more than you do, but it is due to factors outside our (or your) control. Consider these facts: There has been unprecedented hail activity in the past several years in our […] Read More

As you most likely know, your insurance deductible is what you have to pay in the event of a claim. Most companies offer many different deductibles–$250, $500, $1,000, etc. So, how do you know you have the right deductible? My rule of thumb with deductibles: never turn in a claim unless it is double your […] Read More

Can you really save premium without cutting coverages? I hear this a lot, and the simple truth is, YES! I consistently work with clients who are fed up with trying to penny pinch while still staying safe. Trying to save money while maintaining quality coverage can be tricky. You have to pick the right combination […] Read More