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Shopping for Auto Insurance – Your neighborhood insurance agent Do you want an agent who is “Like A Good Neighbor?” May you would rather feel like “You’re In Good Hands” when dealing with your agent? MAYBE you just want someone who is “On Your Side?” Well, chances are, al of these slogans bring one thing to mind: Your neighborhood insurance agent. Ok, I may be a bit biased when speaking of neighborhood agents because that is where I have spent my career, but for me, personal service is key in dealing with insurance and financial services. The knowledge that you have someone you can speak with who knows you, your family, your personal situations, that has taken care of your insurance needs for years, is, well, comforting. Not all agents are as good as the commercials make you believe, but if you look around, ask for referrals, you can usually find someone who puts personal service at the top of their list of priorities. Some local agents are independent, meaning they can sell insu...

5 Tips for Dealing with Car Insurance Claim Adjusters One of the least fun things to deal with in our lives is that of an auto insurance claim. No matter what incident occurred, these situations often disrupt our lives and cause chaos where there was once order. Our vehicles are our lifeblood when it comes to getting to and from where ever it is we need to go and when that means of transportation is severed due to an auto insurance claim, it can disrupt just about every facet of our life. One thing that just about no one looks forward to in dealing with an auto insurance claim is dealing directly with the insurance companies themselves. Many people adopt an us versus them mentality pertaining to insurance companies and often view insurance claim adjusters as the enemy in these situations. This mentality can actually work against them and help to lengthen the time it takes to settle a claim rather than if they simply had adopted an agreeable and mutual understanding of how to proceed...

6 Ways to Save on Auto Insurance For many people all over the country, their auto insurance bill represents one of the highest AND most frustrating that they have to pay on a regular basis. Oftentimes, insurance bills can be as high as $200 per month or even higher depending on your particular situation. Aside from the price itself, one of the things that frustrate people the most is that auto insurance is one of the bills that they HAVE to pay as required by law. It can often seem like we keep paying and paying but we never get anything back. The fact is, auto insurance is often the only thing that stands between you and financial devastation in the event of a serious accident. Still, if you can save money on your premiums and still have great coverage, why not go for it? Let’s check out 6 ways that you can begin saving money on auto insurance right now. 1. Buy a lower priced SAFE vehicle -Now, you may not want to turn in the car you have now, but if you are looking at buying a ne...

Auto Insurance for Used Cars: What should I consider when buying coverage? Auto insurance is confusing. There, I said it. The combination of different types of coverages as well as the variables that exist in different situations and just about ANYBODY can get confused. It would be so helpful if there were just some kind of ONE SIZE FITS ALL policy that would cover anyone and everyone in every situation but there simply isn’t. The fact is an auto insurance policy can often be as complex a thing to figure out as is the contract of buying the car itself! It would make sense to handle the tailoring of an insurance policy at the time of the purchase of the car but many of us are more interested with pulling our new found love into the driveway than we are with sitting with an insurance agent discussing deductibles. The lack of time spent on customizing the policy is a shame because it is only AFTER a claim occurs when you find out you may, or may NOT have the coverages you need. In addit...

I was at fault in an auto accident…what can I expect from my auto insurance company? Auto accidents can truly be some of the most disruptive and chaotic events that occur in our lifetimes. From the craziness that can ensue at the scene of the accident to the aftermath of dealing with the parties involved, getting cars fixed, and sometimes dealing with medical situations if injury occurred, it is perhaps one of the biggest understatements in the world to say that auto accidents are no fun. One of the least fun things about dealing with an auto accident can be the time you spend dealing with the insurance companies involved. It seems that you have conversation after conversation where you end up saying the same thing and giving statements and facts about the incidents that occurred so that the insurance companies can best determine who is at fault and whose policy should pay for the damages. Your problems simply become compounded if it is determined that you are the one that is at fau...

Pros & Cons of Buying Car Insurance on the Internet: What every consumer should know FIRST The Internet can be fantastic money and time saving tool allowing us to purchase everything from our weekly groceries to even a vacation home in the Caribbean if we so choose. Anyone with a connection to the Internet is connected to the world and can get just about anything they want with the click of a button. This begs the question, “Just because I can do it, should I?” You see, just because something is convenient does not necessarily mean it is better. Many decisions are better made by speaking directly with a qualified person face-to-face whom we can develop a relationship with and learn to trust the advice that they give us over time. This represents one of the major advantages of using a local insurance agent to purchase your car insurance versus purchasing it online. Many people, however, are taken in by the creative advertising campaigns for these online insurance companies and s...

Understanding Auto Insurance for Teen Drivers One of the scariest days for parents is when their little babies get their driver’s license. It seems as if just yesterday they were pedaling along on their big wheels, but now they’re getting behind the big wheel of an automobile to hit the open roads on their own. Of the many considerations that parents have to contend with and of the most important and potentially most expensive is that of auto insurance now that you have a teen driver in the household. Many people are unprepared for the price shock that often accompanies adding your child to your insurance policy and it almost always results in a significant rate increase. The reasons for this are simple in that younger drivers account for the highest percentage of automobile accidents. While rate increases are likely, there are some things you can do to mitigate the severity of them and help to keep your rates under control while still providing more than adequate protection for you...

Life Events and how they Affect your Auto Insurance Rates While auto insurance rates may not be your favorite topic in the world, they have probably been included in at least one of your conversations as of late especially considering the state of the economy. Auto insurance can represent one of the most expensive bills that individuals and families can pay each year. While these policies can certainly save us from financial ruin in the event of a catastrophic accident, it is also important that we try to save money on these premiums whenever we can. Many life events can affect our premiums both positively and negatively and it is important that as a client you understand how they can so that you can better plan for and budget for your auto insurance needs whenever one of these life events happens to you. The following is a list of five of the most common life of ends and how they can have an affectation on your auto insurance rates. Age-age is certainly a life event we deal with ea...

Tips On Avoiding Car Accidents Evеrу уеаr in Florida there аrе milliоnѕ of саr accidents whiсh rеѕult in milliоnѕ of dоllаrѕ in dаmаgеѕ whiсh аrе раid by аutо insurance соmраniеѕ. Duе tо thе ѕhееr volume оf car accidents inѕurаnсе рrеmiumѕ аrе соnѕtаntlу going uр аnd ѕаfе drivеrѕ often hаvе tо pay fоr thе rесklеѕѕnеѕѕ оf оthеr drivеrѕ. Onе in thirtееn ассidеntѕ rеѕult in a death. Fоr thоѕе fоrtunаtе еnоugh tо ѕurvivе, thеу аrе lеft with either serious injury аnd/оr mаjоr mеdiсаl оr rераir billѕ. Whilе thеrе iѕ nоthing that you саn do to ensure thаt уоu will never bе in an ассidеnt, thеrе аrе many thingѕ that can be done thаt will help you avoid bеing in thеm аѕ оftеn. You саn bеgin tо аvоid ассidеntѕ bу fоllоwing a fеw simple safety tiрѕ. 1. Thе firѕt thing that уоu nееd to ѕtор speeding ѕо much. Whilе mаnу speed bесаuѕе most other cars do it оr bесаuѕе it seems tо gеt you somewhere a littlе fаѕtеr, ѕрееd iѕ аlѕо a hugе cause оf ассidеntѕ. Slow dоwn a bit tо givе уоu mоrе timе to r...

Understanding Auto Insurance for Teen Drivers One of the scariest days for parents is when their little babies get their driver’s license. It seems as if just yesterday they were pedaling along on their big wheels, but now they’re getting behind the big wheel of an automobile to hit the open roads on their own. Of the many considerations that parents have to contend with and of the most important and potentially most expensive is that of auto insurance now that you have a teen driver in the household. Many people are unprepared for the price shock that often accompanies adding your child to your insurance policy and it almost always results in a significant rate increase. The reasons for this are simple in that younger drivers account for the highest percentage of automobile accidents. While rate increases are likely, there are some things you can do to mitigate the severity of them and help to keep your rates under control while still providing more than adequate protection for you...