“You get what you pay for”—how true that is with insurance. Sadly, though, a lot of what we see from new customers are insurance policies that are all bun and no burger. This raises the question: what elements should every insurance policy have?
If you’re struggling to meet the costs of owning a home, finding an affordable insurance policy may seem daunting. So we did the research for you. Read on to learn what affects the price of homeowners insurance and how you can save.
The average life policy is underinsured by over $300,000. What’s really scary is that many people completely opt out of life insurance because of the perceived costs and confusion involved. Still others have found that they couldn't be without their life policy Life insurance can make your family’s future dreams, plans, and goals achievable. We're happy to say that finding the right policy doesn't have to be an impossible task.
Driving uninsured is treading on dangerous ground. But for many, cost is the primary concern. So what determines the price of auto insurance and how can you save? Read on to get the inside scoop.
Some say that experience is the best teacher. Others might argue that it depends on the nature of the lesson. Yet, when it comes to new drivers, there’s little controversy: learning from others’ experience is critical for both parents and teens. Happily, we can help with some of that—at least the insurance part. So how about a little back-to-class peace of mind?
It may not seem true, but your baby is now an adult. As your child flies away to college and all it brings, be sure a wide, strong safety net is at the ready. And as you traverse new pathways, trust that you can lean on our experience. Here are a couple of questions that will likely surface: Since my child is now an “adult” and will be away from home most of the year, should I still list him or her on my auto policy? My child will be attending college out of state. How can I be sure our policy will cover any accidents that occur while my child is away at school?
From social to secular, your favorite college student is headed for a learning curve. While they’re busy hitting books and hanging out, take some time and do a little learning of your own. Here’s an auto insurance question we know you’re asking: I know that the risk posed by a young driver is high and our premiums still reflect that. Are there any discounts I can look into?
Part of the college experience is for a student to experience living ‘on their own.’ But all that extra elbow room could leave serious coverage gaps. Mom and Dad, make sure you’re asking these questions: Since my child will be living on campus, how can I protect all the things taken to school or bought there? Does insurance coverage differ when a student lives in off-campus, rented housing?
In any discussion about insuring teens and college students, the topic isn’t complete without delving into distraction. That’s because distracted driving takes a heavy toll on both age groups—society’s youngest drivers. Available resources can help you to stop distracted driving before it starts, and your family insurance agent is totally behind that. In fact, your agent is a key player in the fight against distracted driving. Get in touch and learn how you can have plenty of rewards without taking risks.
Experience is the best teacher, whether it’s yours or ours. So if you’re new to the world of teen driving, lean on this accumulated knowledge. Here’s a question you’ve likely pondered: Now that my teenager is driving, do I have to list them on my auto insurance policy, or should I take out a separate policy just for them?
New drivers (and their parents) do well to draw on others’ experience. Embarking on this new journey can be scary—we completely understand. So check in for a reliable answer to a commonly asked question: What level of coverage should we carry, now that our son/daughter is listed on our policy?
Do you have a new driver at home? That can be stressful—we totally get it. Feel free to pull from our accumulated knowledge, and see what you can learn. For instance, have you ever asked: It’s expensive to have my son/daughter on my policy; are there any discounts I can take advantage of to lighten the load?
From a customer standpoint, it may seem like the shortest path to saving money is to switch insurance companies. Which raises the question: Is there any value in being a long-time customer of an insurance company? Or what is the return on investment in loyalty—if that even exists anymore? The answer is not always clear. As an agent—the professional who connects you with a company—the answer is definitely a “yes.”
It seems odd, the things we measure these days. Or at least the things we have to measure to ensure we’re doing what we should. And if you’re anything like me—far too many conversations these days revolve around “getting your steps in.” So what are we really measuring? Why is it so important? And how does an activity tracker relate to insurance?
Are the insurance agents of days past still around? In today’s tech-centric world, it’s arguable that we don’t need them. But we’d argue that a good old-fashioned agent still has a place in today’s advancing industry.
When trying to solve the question of motivation, a detective may often resort to this time-tested advice: “Follow the money.” The implication? Well, if you know where the money came from, you can begin to understand why people do what they do. When trying to find the right insurance agent, we’d suggest you go the same route: investigate the motivation behind a product or coverage recommendation. Basically, follow the money.
A common term for a nasty practice, the “gotcha” is no laughing matter. This punch line can sock it to you, with series of hidden exclusions and limits that ultimately threaten your ability to file a legitimate claim.
Prevalent within and without the insurance industry, misselling is a bad deal: products or services are sold without full disclosure of details and exclusions. Worse yet, information may be purposely hidden.
Somewhere along the way though, insurance has become a must-have, must-hate. How did a beneficial commodity become a misunderstood nuisance? Let’s investigate prevailing perceptions about the insurance industry: What it should be, isn’t, and can be at its best.
Lurking behind those affable corporate mascots, this legal principle, cleverly employed by big-box auto insurance providers to minimize payouts, can tip the scales of liability to favor an offender and leave the victim shortchanged even when fault may be clear.
