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.
Sandy’s Affect on Insurance Rates
Hurricane Sandy will have an tremendous impact on the U.S. insurance market place, especially for Homeowners insurance. The market conditions were not great before and now with damage estimates between 5 – 10 billion Sandy will certainly have a negative affect on the insurance market. Some companies will fair better than others but small to mid-size companies…Read more
Life Insurance at Work or Individual
I’m asked this question a lot. Should I buy Life insurance through my employer or get a policy on my own? Life insurance through an employer is very inexpensive however there are some major drawbacks. First, if you leave your employer for any reason your coverage stops. Second, you can only purchase an amount based on…Read more
Check Your Deductible
Several insurance companies are raising deductibles on Homeowners policies. When you receive your renewal information review it carefully and make sure you are aware of your deductible. Some companies are increasing your overall deductible and some are adding a separate Wind/Hail, Named Storm or Hurricane Deductible. In the case of a Wind/Hail deductible most companies…Read more
We Need to Hear from You
Until the general public starts voicing their concern over the lack of law enforcement by the Virginia DMV residents of Virginia will continue to pay higher and higher insurance premiums. Virginia is typically characterized as a conservative state however when it comes to the DMV they are quite the opposite. Enforcing insurance laws that are…Read more
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