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

Over the past 12 months the number of uninsured drivers has increased dramatically in Richmond, Virginia and I suspect the same is true for the rest of the state. This presents a real danger for responsible drivers because if one of these uninsured drivers causes an accident, you will be stuck paying the bill. Now,…Read more

Have you ever wondered what the difference is between an Independent and a Captive insurance agent? An independent agent has access to several different insurance companies whereas a captive agent only has access to one insurance company. If you are insured with State Farm, Allstate, Nationwide, Farmers, Farm Bureau or Geico you are dealing with…Read more

Are you wondering how to lower your insurance bill? Here are 3 ways to instantly save between $50 – $150 on your insurance: 1. EFT or Pay in Full – Have your monthly payment automatically drafted from your checking or savings account or pay in full. (Total Savings = $60 – $120) 2. Multi-line –…Read more

Should I purchase Term or Permanent Life insurance? The answer is, both. That’s right, you will always have a need for Life insurance because it is guaranteed, with 100% accuracy, that you will die. Your Life insurance needs with change over time so you will need both Term and Permanent Life insurance. Term is cheap…Read more

If you are like most people you need to lower your monthly expenditures. An effective way to do this is with insurance. You can lower your premium with 3 simple steps. First, schedule an appointment with your local agent to review your policies. Make sure you are not paying for coverage you do not need.…Read more

Statistics have proven those with poor credit scores are more likely to be involved in an accident than those with good credit scores. Credit is one of many factors insurance companies use to determine rates. Other factors include, driving record, vehicle type, age and martial status.