While the majority of driving adults in the United States are required to carry some type of auto insurance, there are still many misunderstandings that occur between car insurance agents and their customers. To minimize these misunderstandings, listed below are three things your insurance agent wish you knew and how they can benefit you. #1. Insurance Companies Have an Abundance of Discount Options While your insurance agent may inform you of discounts they know you qualify for, they aren't mind readers and cannot possibly know every single discount which can be applied toward your insurance policy.
2 September 2015
Insurance is a fact of life, no matter what form of insurance you need. For instance, most people will need to purchase auto insurance and homeowner's insurance, while companies must purchase worker's compensation insurance policies. With any type of insurance policy, you need to find the best ways to save some money, maximize on the policy and tailor it to your needs. If you want to be sure that you are getting the most of your insurance, follow the tips below and apply them to your particular insurance needs.
18 August 2015
If you're going to be walking down the aisle and you are worried about how your life could change financially after you get married, an independent insurance agent, like The Flechsig Insurance Agency Inc, is one of the first professionals you should talk with. Once you are married, you are part of a family and you aren't just responsible for yourself. There are a lot of unforeseen things that can change your life or the life of your family.
30 July 2015
In a perfect world, earthquakes and floods would be rare—but as we've seen in recent natural disasters, the consequences can be devastating. If your home was lost in a natural disaster, could you afford to pay out of pocket to repair the damage, and would your homeowner's insurance policy offer enough coverage? Would you be able to rely on government help? Standard homeowner's insurance policies don't ordinarily cover damages caused by earthquakes and floods.
21 July 2015
If you are a homeowner, you may already have home insurance. After all, homeowner's insurance is a necessity. Nevertheless, it can be expensive. Here are five ways to help you reduce your home insurance premiums: Increase Your Deductible Your home insurance deductible can affect the overall cost of your policy. If your deductible, which is the amount of money you pay out-of-pocket before your insurer pays, is too low, your premium costs can be higher than they should be.
29 June 2015
With the summer months upon you, it only makes sense that you are going to be out and about doing more things around your home. Because of this, there is the risk of added injuries occurring. To make sure your home is as safe as it can be, consider implementing some of the following safety tips into your domicile. Check to make sure all of the smoke alarms are working properly.
25 June 2015
Are you looking for home insurance policy or wondering about which kind of properties can be harder to insure? Check out this list of important issues that you might have to deal with when contacting a home insurance company. 1. Poor Fire Coverage or Not Enough Fire Resources Home insurance companies will want to know that common-sense fire safety equipment is installed in a home or property. This includes smoke detectors, fire extinguishers and other basics.
5 June 2015
You probably know by now that getting into a car accident or speeding can raise your auto insurance rates. Unfortunately, those are not the only things that can raise your monthly premiums. It is very important to know what can potentially raise your car insurance premiums in the future. Here are five things that can raise your auto insurance rates. Poor Credit Rating A poor credit rating does not just make it a lot more difficult to get approved for loans; it can also raise your car insurance rates.
8 November 2014
Insurance bonds, also commonly referred to as surety bonds, can play an important role in protecting both businesses and consumers from financial loss. Unfortunately, far too many people fail to understand the way these bonds work, and therefore fail to take advantage of the benefits they are able to offer. Taking the time to review the answers to the most frequently asked questions regarding insurance bonds, you can ultimately ensure that you do not find yourself in this same unfortunate situation.
7 November 2014
If you've ever had to make an insurance claim, you're probably well aware of the fact that what's listed on your policy isn't black and white. Your insurance policy is probably at least 75 pages long, and most insurance agents aren't allowed to give exact details on claim scenarios. Detailed below are five common perils you might be at risk at if it's not specifically stated on your policy. Water Back-up and Sump Overflow: This is a peril most people would assume is already baked into the policy, and many are surprised that it isn't.
6 November 2014