When you buy car insurance, you get to choose what types you want, the amount of the coverage, and the deductible. You always get to choose what add-ons you would like to have. An add-on is an extra form of protection that covers you for a specific purpose, and one common add-on is rental car reimbursement coverage. If you are not sure how this coverage works, here are some things you should know.…
Read More »Perhaps you have been driving a refrigerated truck for a while and are now searching for a new insurance company, or maybe you are insuring your first refrigerated truck. Obviously, shopping for truck insurance can be very difficult to manage, and you may find that your rates are surprisingly high. Want to know more about refrigerated trucking insurance? Keep reading to learn more. Refrigerated Trucks Come With Many Risks One of the biggest risks that refrigerator trucks carry is the fact that the refrigeration unit can actually break down without the truck itself breaking down.…
Read More »Auto insurance is something that you need if you plan on driving. Most states have a minimum amount of auto insurance that you must carry to be able to drive. You will also want to have a policy in place in the event of an accident. While auto insurance is a necessity, it can be pricey. The average yearly premium is $1,758. Rates are often determined by factors that you have little or no control over, such as your age or gender.…
Read More »Auto insurance policies come with several different coverages, each of which provides unique protection. Here are a few coverages that protect your car in various ways. Collision Coverage: Protection in an Accident Collision coverage is perhaps the most straightforward of these protections. It offers protection against damage that occurs in a collision, which is generally defined by the insurance industry as a multi-vehicle accident. Exactly how your auto insurance policy’s collision coverage treats a multi-vehicle accident depends on who’s responsible for the accident and the laws of the state the accident took place in:…
Read More »Are you a beginner when it comes to buying insurance? If so, you might feel nervous about purchasing an auto insurance policy. You shouldn’t feel this way, though. Buying car insurance is not hard to do. In fact, it only requires three basic steps, and here are the three steps you must complete. Gather the Necessary Information You may be surprised to discover all the different pieces of information you will need when getting an auto insurance quote.…
Read More »If you want the best protection for your vehicle, you should always add collision coverage to your auto insurance policy. With collision coverage, you can receive compensation for the damages you incur to your car, even if you are responsible for causing the collision. Here are several things to understand about how collision coverage works after an accident. You Won’t Need It If Someone Else Causes the Collision The insurance coverage you have on your policy does not always cover accidents you are involved in, and it always depends on who caused the accident.…
Read More »If there was a flood in your area that caused a lot of damage to your home, one of the first things you should do is contact your insurance company. Below you will find three tips to help things go much better for you. Hire an Insurance Adjuster An insurance adjuster will be sent out to your property to determine the damage the flood caused your home. This is important as this will show the insurance company the amount of money they need to pay in order to repair all damages and get your home back to normal.…
Read More »When you buy a house with a mortgage, your lender will not allow you to close on it unless you have homeowner’s insurance for the property. This requirement is a standard rule across the board with all lending institutions. Once you pay off your loan, you will no longer have a lender telling you that you must have home insurance. Does this mean that you should cancel your policy? It means that you can choose to cancel it if you wish, but this is not always a smart move.…
Read More »Your commercial insurance protects you against liability, and icy sidewalks can be one of your biggest liabilities. Here’s what you need to know about snow shoveling during the winter months and making sure your commercial liability insurance protects you. Check Local Laws In most areas where it snows, local laws will tell you when you have to shovel snow. Business owners are almost always responsible for shoveling the sidewalks in front of their businesses even when it’s a public sidewalk installed by the government.…
Read More »Home insurance premiums are an expense that every homeowner must pay, but not everyone pays the same amount. While premiums are based on many factors, some homeowners pay less because they find ways to reduce their premiums. Use these strategies to save on your home insurance costs. Look at Quotes with an Independent Agent No matter what home insurance coverage you need, one of the best ways to save on a policy is to compare quote options with an independent insurance agent.…
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