How much does SR22 insurance cost? First, let me explain what an SR22 is and why someone would need an SR22. SR22 insurance is required by DMV if you have not maintained car insurance. Even if your car is not drivable you can not cancel your insurance until your license plates have been turned into DMV. If you cancel your…Read more
Virginia among Lowest for Car Insurance
If you live in Virginia there’s not much to complain about when it comes to car insurance rates. Virginia is in the bottom tier of all states for car insurance. Why is this the case? There are several factors that contribute to over all insurance rates but the biggest factor is competition. Virginia is a…Read more
Auto Insurance – How Much is Enough?
If you have shopped for auto insurance you know how confusing it can be to select the right coverage limits. As a general rule of thumb, the less money you have, the more coverage you need. Most people think it is very expensive to high liability limits but it is actually very inexpensive. In fact,…Read more
Workers Comp Ghost Policy
The Workers’ Compensation Ghost Policy What is a Ghost Policy? A ghost policy is a workers’ compensation insurance policy that is generally purchased by a business owner with no employees in order to meet coverage requirements, where the business owner excludes themselves from receiving workers’ compensation benefits in the event of a work injury. Since…Read more
Home Insurance Rates Increasing
Home insurance rates continue to rise throughout the country but there’s good news. Several insurance companies have increased their discounts for package policies. If you insure your home and car with the same company chances are you will receive an even bigger discount. There are 3 major reasons insurance companies want package policies instead of…Read more
SR22 or FR44…What’s the Difference?
The Difference between an SR22 and an FR44 An SR22 is required by the Virginia DMV if you have tags on a car and it’s not insured. Regardless, if you are driving the car or not, you have to maintain insurance at all times if tags are a car. The DMV will randomly check for…Read more
Benefits of Reinstating an Insurance Policy
What are the benefits of reinstating an insurance policy instead of buying a new policy? Reinstating a policy without a lapse means you have continuous coverage and will not incur a fine or be required to maintain an SR22. This is usually an option if you are within 30 days of the cancellation date and you have…Read more
Car Insurance Rates Increasing in VA
Virginia drivers will see an increase of 5% – 15% for car insurance in 2013. Accidents are increasing and the cost to repair vehicles is at an all time high. 5 Ways to Lower your Car Insurance Premium Work with an independent insurance agent Increase your Deductible Remove Collision coverage if your car is older Install a…Read more
Insurance Forecast for 2013
2012 was another very difficult year for insurance companies. Several storms, including hurricane Sandy, continue to put pressure on loss reserves and repair costs continue to increase. Another factor that will impact almost all insurance companies is reinsurance. Reinsurance is insurance for insurance companies and rates for reinsurance will almost certainly increase in 2013 and beyond. Rates…Read more
Do I need Flood Insurance?
I am asked this question a lot and the answer is YES! Everyone lives in a Flood zone.
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