What Are Aftermarket Parts?

Every so often I get a phone call during the claims process about aftermarket parts. The usual questions are what are they, should they be used, and what happens to the value of your vehicle if you agree to use them. All are valid questions. The truth is that the use of aftermarket parts in […]

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Working Smoke Alarms Save Lives

Did you know roughly half of home fire deaths result from fires that occur when most people are asleep – between 11 p.m. and 7 a.m.? Smoke spreads quickly, and you need smoke alarms to give you time to get out. In fact, having a working smoke alarm cuts the chances of dying in a […]

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Man’s Best Friend or a Liability?

I am an animal lover, but dogs are my personal favorite. They are great company and it’s in their nature to seek your approval and love. Dogs are said to be “man’s best friend”, but have you ever thought about how your insurance could be affected by the type of dog you decide to own? […]

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Burglary Prevention: Should You Leave the Lights On?

How to Use Outdoor Lighting Effectively for Home Security It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But, does that really work? Or, is it just a waste of electricity? Those answers can differ depending on a number of […]

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Car Insurance Rates Are Going up. Why?

I get a few calls a week from our clients wondering why their car insurance rates are increasing even though they have not had an accident. It’s a good question, but the answer can’t be summed up in a statement or two. I have written before how car insurance rates are impacted not only by […]

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The Hidden Costs of Cheap Insurance – What Are You Getting for Your Money?

It’s next to impossible to watch any type of TV programming without seeing a commercial advertising how you can save money on your insurance. So should you really purchase your insurance policy based upon the cheapest price? Before I elaborate on this, allow me to ask you a different set of questions: Would you hire […]

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4 Current Trends Impacting Insurance Premiums

Car insurance. Does it seem like it’s a bigger drain on your wallet than before? It very well could be. Just look at these four trends that may be contributing to higher costs: More new cars with more advanced features: Today’s drivers have a healthy appetite for new cars, and most of the vehicles are […]

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Help Minimize the Need for Costly Auto Repairs Simply by the Way You Drive

No matter how safe you are behind the wheel, you’ve probably done things like: Shift into drive while the car is still rolling backward. Ride the brakes on steep hills. Roll into the gas station on empty. Guilty? If so, you may not have even realized you were doing anything wrong. After all, most everybody […]

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Replacement Cost Value Versus Market Value: What’s the Difference?

Many homeowners often wonder why the limit on their homeowner’s insurance policy is more than the market value of their home. In some cases, there can be a drastic difference between what you recently paid for your home versus how much insurance coverage you have. It’s just a way for the insurance company to get […]

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Common Car Insurance Questions

On the surface, car insurance can seem fairly straightforward. You buy a policy, and if you get into an accident, it comes to your aid – at least in most scenarios. However, once you start digging deeper, a lot of questions can pop up. As an insurance agent, I always encourage people to dig deeper […]

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