As an insurance brokerage, we often get asked the question, “Does my car need insurance if I’m not driving it?” The answer to this question is not a straightforward yes or no, as it depends on the circumstances. Let’s explain:…
Are insurance companies trying to rip you off? Is car insurance a scam? You may not not want to take the opinion of an insurance broker, but we’ll be honest and unbiased in our take… so read on. Our honest…
What is the difference between “Actual Cash Value” (ACV) AND “Replacement cost value” (RCV)? Which one is better? There are huge differences between these two coverages and if you have a homeowner’s insurance policy you need to know the difference.…
The deductible is the amount of money that you are responsible for in the event that you file an insurance claim. In other words, the deductible is the amount of money that the insurance company subtracts from your claim pay-out.…
Car insurance can cover you for hit-and-run accidents. However, if you don’t have the correct coverage on your auto insurance policy, you may be out of luck if you’re the victim of a hit and run accident. The last thing…
What does an excluded driver mean on your car insurance policy? Before we can clearly understand excluded drivers on a car insurance policy, we first need to understand how drivers are listed on a auto insurance policy. Two Types Of…
If you’re the parent of a teenage driver, you know that it costs a ton of money to add your teenager to your car insurance policy. In fact on average, it costs $215 a month just to add your teenager…
Everyone pays for car insurance, but very few people understand what they are paying for. It’s not all about finding the best price. More importantly, it’s about getting the right coverage so that when you’re in an accident, you’re covered.…
Will insurance rates for both your auto and home insurance continue to increase in the year 2023. That’s the question… and unfortunately, we do not have good news for you! By all indications, yes, insurance rates will continue to increase…
You’re driving down the road on a beautiful sunny day, no cares in the world. Your favorite song is playing, you’re singing along. Life is good… When out of nowhere, boom! You get hit from the side, shakes you up…