As previously stated, we can assist you with Auto, Home, Commercial, Health & Life, Flood, Workman's Comp. and Renter's Insurance. We strive to find the lowest and best insurance coverage for our client's needs.

Auto Insurance

If I am buying a new car do I need insurance before I buy it.

  • If you are buying a car for the first time then you will have to purchase auto insurance. If the purchase of car is being financed the financer will required that you buy a policy with comprehensive and collision coverage.
  • If you have previously owned a car and already have an auto insurance policy, that will generally cover your new car for a period of up to 30 days after you buy it. Once that 30-day period is up, you'll have to talk with your agent or company representative to insure that new vehicle.
  • Not all states require the purchase of liability coverage, for more information please contact your insurance company or agent.

What should I consider about when buying car insurance?

  • Before purchasing a car insurance, first decide what optional coverage you want and need, check the reputation of the company and see if their price is competitive, purchase the amount of liability insurance that suits you.

What steps do I take if I have an auto accident?

  • Notify the Police immediately

  • Contact your insurance company/agent as soon as possible
  • Do all the required as instructed by your insurance company/agent
  • Get information from the other driver(s) involved in the accident

If I get a speeding ticket, will it effect my auto insurance premium?

  • Some states have laws regarding when and why auto insurers can change policy holders' premiums. Often insurers are not allowed to raise insurance premiums after just one speeding ticket ot other citation. It all depends on different companies with different practices, regarding raising premiums, some raise rates a specific amount per voilation, others will consider the volume and severity of your voilations and raise the rates accordingly.
  • So if this is your first ticket, there might not be any changes in you premiums.

If I rent a car will my personal policy cover me?

  • Many states mandate that your insurance company provide coverage when you are renting a vehicle. You will have to call your insurance company or agent to get further information.

How can I lower my car insurance premium?

  • To lower your car insurance, you can raise your deductible or drop your coverage. The deductible is what you pay from your own pocket before your insurance claim is processed. You can lower your premium by having your deductibles on the higher side. Hold multiple insurance policies with the same carrier; you can shop around asking for discounts on your current policy.
  • For older vehicles with high mileage, purchasing a collision coverage is generally not worth it. If you ever file a claim for significant damages, your insurance company will likely declare your vehicle a total loss rather than fix it. Reasons being that the cost of fixing your vehicle far exceeds its market value. The premium you will pay for collision coverage may not justify the value for older vehicles in a case for total loss.

Protection against Uninsured driver

  • You can protect yourself against uninsured drivers by purchasing uninsured/underinsured motorist coverage (UM/UIM). UM coverage is required by law in many states and it will pay for pain and sufferings and medical bills if you have met with an accident by an uninsured driver.
  • UM property-damage yourself against uninsured drivers in some states, if your car is damaged by an uninsured driver; UM property-damage coverage will get the car fixed. UM property-damage coverage carries a lower deductible than collision coverage.

Home Insurance

What should I consider when buying home insurance?

  • Purchase the coverage to replace your home and not your mortgage.
  • Determine the coverage amount for personal property and personal liability.
  • Determine if you need extended coverage for personal items like silverware, computers, jewelry or additional endorsements like earthquake and flood insurance.
  • Check the reputation of the insurance company.

I am building a house, how do I insure it while it is being constructed?

  • A standard homeowner's policy will suffice, but make sure that you tell the insurance company or your agent that the house is currently under construction.

How can I lower my home insurance premium?

To lower your home insurance, you can raise your deductible or drop your coverage. The deductible is what you pay from your own pocket before your insurance claim is processed. You can lower your premium by having your deductibles on the higher side. Hold multiple insurance policies with the same carrier you can shop around asking for discounts on your current policy.

  • Notify the police if there had been a robbery.
  • Notify the insurance company regarding the damage or loss of property.
  • To avoid further damages protect your property.
  • Make a list of damages or missing things.
  • Show the insurance company the damages.
  • Make a complete statement for the insurance company that details events before, during and after the loss occurred.

Do I need Flood Insurance or Earthquake Insurance?

  • Basic homeowner’s policies do not cover damages from flood or earthquake. If live in an area where floods and earthquake happens then you should consider adding flood and earthquake endorsements in your policy.

Life & Health Insurance

What should I consider when buying life insurance?

There are several options or factors to consider when purchasing a life insurance policy

  • What type is right for you?
  • For how long will you need the coverage?
  • How much do you need?
  • The extensions you wnat to include in your policy

To help figure out which is right for you, it may be useful to understand some of the basics of a life insurance policy:

  • Premium - The amount you pay in exchange for coverage
  • Lenght of Coverage - The amount of time you are insured
  • Cash Value - The amount available to the policy holder through surrenders, loans and withdrawals
  • Death Benefits - The amount of money paid to your beneficiaries upon your death

What should be the value of life insurance I own?

  • It varies and all depends on your needs and situation. Contact an insurance company or agent, define your needs, they will be able to come up with a suitable solution.

What should I think about when buying health insurance?

Basically health insurance comes in three types:

  • HMO - Health Maintenance Organizations - The least costly, but highly restrictive. A physician is selected by you and he decides what is medically necessary for you an when you need a specialist. If the treatment is too costly the HMO can override your doctor's advice
  • PPO - Preferred Provider Options - Allows you to select any provider in the PPO list and generally cover a wide variety of services recommended by those providers. Some PPO cover other providers, but with a larger co-payment.
  • Fee for service is the most expensive policy. It allows you to go to any provider care physician who has approve visits to specialists.