Fact and Questions

How much auto coverage should I have?

How much is based on several things. Things like, what type of car, truck, or van, what year, what model, who’s driving it, etc…

How much home owners coverage should I have?

How much is based on several things. Things like, what type of construction, when the house was built, where the house is located, who resides in the home and may more. This is a per instance case

Why are some insurance companies cheaper than others?

Good question, some companies have different products and rates for different classes. A good rule of thumb to remember is that cheapest is hardly ever better

What is an Independent Insurance Agent?

An Independent Insurance Agent is a licensed insurance agent that is contracted through various insurance companies. Independent agents have the ability to place you with an insurance company that will best fit your needs.

Why do my rates change?

Rates fluctuate partially due to market trends and conditions

A good example of when a rate might go up is after a large disaster where insurance pools of money are depleted and need to be restored to regain adequate levels to protect against future losses.

A good example of when rates might go down is when a adolescent driver turns 25 years of age they become less likely to get into accidents and drive recklessly, or they have gained sufficient experience to be less of a risk.

What are my coverage and deductible options

This questions is based on an individual basis and can vary greatly from situation to situation.