Tips to help your insurance agent help you

Periodically review your insurance needs with your agent.

Periodically review your insurance needs with your agent.

You count on your independent insurance agent to guide you through the purchase of personal insurance coverage tailored to meet your needs. But after the initial purchase, how often do you re-examine your policies? Your independent agent can also help you evaluate coverage periodically as your needs change.

Review at renewal

Renewals are a great opportunity to verify that you are properly insured. When you receive your renewal information from your agent or carrier – usually several weeks prior to the policy renewal date – check your coverages to make sure they’re still appropriate to your situation. If something has changed, mention it to your agent. Read More

Texting and driving a growing concern

cell-stop-signAt any given daylight moment across America, approximately 660,000 drivers are using cell phones or manipulating electronic devices while driving, according to a survey from the National Highway Traffic Safety Administration. That number has held steady since 2010.

Meanwhile, a University of Michigan Transportation Research Institute study showed that a quarter of teens respond to text messages once or more every time they drive. Twenty percent of teens and 10 percent of parents admit that they have extended, multi-message text conversations while driving. Read More

7 coverages to look for in your auto policy

car-on-curvy-road

The right auto coverages can help you deal with the curves in the road.

When you purchase an insurance policy for your car, there are some basic coverages that help protect you from financial curves in the road.

Bodily Injury Liability protects you against damages for which you are legally responsible because of a covered auto accident that causes bodily harm, including death, to others.
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How to keep that ‘new car feeling’ alive

new-car-feeling

New car? Protect your investment.

It’s hard to describe that little rush you feel when you drive away from the dealership in a shiny new car. Whether it comes from knowing that you’ve finally purchased the car of your dreams, feeling proud that you’ve found a safe vehicle to transport your growing family, or realizing that you now have payments to make for the next three to five years, you’re definitely feeling a surge of energy as you head down the highway for the first time in a new vehicle.

One thing you shouldn’t have to feel is concern about car insurance, but especially when you’ve purchased a new car – which can depreciate as much as 15-20 percent in the first few years – you’ll rest better knowing you’ve got the right coverage.
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