As an insurance agent, one of the questions I am asked most often is “do I need full coverage?” First, let’s talk about full coverage. It’s a common thought that full coverage means fully protected. However, that’s not true. Your liability limits represent the protection you have against bodily injury and property damage. You will […]
Using your tax returns to pay your insurance premium in full
Having your insurance premium set up on monthly auto draft is a fantastic way to pay your premiums. This is the most common and there are several benefits to choosing monthly EFT. If that is working well for you, this post is one you can skip. However, I am often asked if paying in full […]
Bundle Discounts
Everyone wants to save the most they can on insurance. Although some people miss their greatest oppotunity to do it. And that’s with a bundle discount. What is a bundle discount? When you write more than one policy with the same carrier, you receive a discount for having multi-line policies. This most often happens with […]
Should my child take Driver’s Education?
In several states, driver’s education is a requirement to get your license. However, in the state of Tennessee, it is an optional and personal decision. How do I decide if it’s right for us? This truly is a personal choice on how strongly you feel about the benefits. I often suggest to parents that if […]
Are certain vehicles more expensive to insure than others?
A question I am asked often is “Does it matter what vehicle I purchase from an insurance standpoint?” What you really want to know is if there is a vehicle you can buy that will be more or less expensive to insure. So let me tackle that question quickly in this post. Which vehicles cost […]
Bundling your insurance
The best way to pay the lowest premiums possible for your insurance is to bundle your policies together with us. When you have multiple policies, they each individually qualify for a discount. The multi-policy discount, which ranges from 10-20%, is added to each policy reducing the premium. Always reach out to us Anytime you purchase […]
Using your tax returns or stimulus money for your insurance premium
Having your insurance premium set up on monthly auto draft is a fantastic way to pay your premiums. This is the most common and there are several benefits to choosing monthly EFT. If that is working well for you, this post is one you can skip. However, I am often asked if paying in full […]
Reading my auto declarations page – Part 2
Today we’ll continue with the second part of reading and understanding your auto declarations page. If you missed part one, please check it out here. Loss Of Use This coverage is for rental reimbursement when a rental car is needed after a covered loss. You may purchase this coverage when you carry full coverage (comprehensive […]
Reading my auto declarations page – Part 1
When you purchase an auto insurance policy, the company mails a thick packet of papers to you. The terms of your policy and ID cards are enclosed, as well as a policy declarations page. This page is designed to help you quickly see the limits of coverage in force. I’m going to upload photos of […]
Have family in town for the holidays? Here’s what you need to know.
This has been a hard year for all of us. If it worked out for you to have family in town for the holidays, we’re happy for you! Enjoy the visit and make all the memories you can. If your family lives locally enough that they brought their own vehicle, that’s great. However, we know […]
