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"Keep Your Motor Running, Head Out On The Highway"

10/28/2020

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​Autumn is a great time of year to enjoy a ride on your motorcycle.
It’s also a great time to check out your insurance needs
Choosing the right insurance policy is much like choosing the right motorcycle. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional. Our insurance agents can tell you which laws apply in your state.
In order to find out what coverage is best for you; it is important to understand all the options available.
Call or stop by our office today for a no-obligation review of your motorcycle insurance needs.
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Why You Need Comprehensive Auto Insurance

10/26/2020

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It is not a hard task to determine whether you require comprehensive coverage for your car. However, before you make the decision to buy comprehensive coverage, you need to have a good understanding of how it works. Comprehensive coverage is intended to cover a variety of physical damage claims, such as windshield and body damage, vandalism, and contact with an animal. Here is some information about why you need comprehensive car insurance.
Do You Have a Loan on the Car?
Lenders usually require physical damage coverage on the cars they have financed to drivers. Comprehensive is usually a portion of such mandatory coverage.
When you sign the contract for a loan, you agree to protect the car against physical damage by buying both collision and comprehensive coverage. You can end up having to deal with expensive penalties if you fail to notify your lender about your insurance coverage. You should ask your auto insurance agent to add your lender as a loss payee for the car. Doing this will ensure your lender is immediately notified of the coverage in case an accident occurs.
What Is Your Level of Risk for Having a Comprehensive Claim?
If you have a high level of risk for having a comprehensive claim, you should get comprehensive auto insurance. Some factors that will put you at high risk of having a comprehensive claim include living in a tornado alley or packing your car under a half-dead tall tree every night. Indeed, any driver can benefit from this coverage. However, for some people it’s worth more than others.
You should take the time to evaluate your risks before deciding whether to get comprehensive car insurance. In general, one would file a comprehensive auto insurance claim for damage to your car caused by the following:
  • Falling objects like a tree limb
  • Explosions or fire
  • Lightning, floods, or hail from tornadoes, thunderstorms or hurricanes
  • Theft
  • Vandalism and certain civil disobedience
  • Hitting an animal
The higher the risk is for a comprehensive claim, the more you should consider getting the coverage.
What Is the Value of the Vehicle?
 If the value of your vehicle is high, this will help you decide whether it is worthwhile to pay for comprehensive auto insurance. If the vehicle isn’t worth much anymore, then coverage might not be worth the investment.
How Much Does Comprehensive Coverage Cost?
You will be happy to know that comprehensive coverage tends to be reasonably priced. As long as you are not considered a high-risk driver, comprehensive coverage is typically worth the price. Even an older car with minimal value is likely worth the replacement of a windshield from damage.
For more information about comprehensive coverage, don't hesitate to contact us.
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How much do you know about trees and insurance?

10/23/2020

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Test your Insurance IQ then stop by our office for a no-obligation review of all your insurance needs.
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Insuring Your Classic Vehicle

10/20/2020

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So you’ve got a classic rod.  Sweet! An extraordinary ride like yours needs extraordinary love and care. So, naturally, ordinary, everyday auto insurance won’t cut it, either.
 
Unlike an everyday vehicle, which depreciates over time and with use, classic cars gain value over the years—so you’ll need to adjust insurance coverage to match your special vehicle’s appreciating value. Because beauty is in the eye of the beholder, it’s sometimes difficult to pin down an official definition of a classic vehicle. But insurers that sell specialized classic car insurance may accept any of the following: vehicles whose value exceeds the original selling price; antique and classic cars, usually at least 25 to 30 years old; hotrods and modified vehicles; exotics; muscle cars; and some vintage military vehicles, motorcycles, and antique tractors.
 
So, if you’re looking to insure a collectible or classic vehicle, the best bet is to talk to one of our insurance agents. And while you’re talking about how much insurance you’ll need, be prepared to discuss other options too, including:
 
*Specialized repair or restoration: Gives you the flexibility to bring your vintage Mercedes, Ferrari or Corvette to a specialist—even if the rates are higher than what a traditional auto body repair shop would charge.
 
*Towing: Due to their age, collector vehicles are prone to breakdowns, so towing coverage—especially for flat-bed hauling—is essential for collector vehicles.
 
*Parts: Hard-to-find parts cost more. Look for coverage that takes into account scarcity or need for one-off parts.
 
*And of course you’ll want to discuss provisions found in standard auto insurance policies, like property damage and bodily injury liability coverage.
 
There are lots of other things to consider, including how, where, and when you’ll be using your vehicle—and what effect that will have on your insurance. For a full rundown on these and other topics, cruise on over to Insuring Your Classic Car: Special Auto Insurance Protection.
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I want YOU to get an Insurance Checkup

10/12/2020

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We have great rates for all types of insurance.
  • Has it been over three years since you compared your coverages and rates?
  • Our agency uses the most state-of-the-art software to make sure you get all the discounts you deserve while comparing with all the many companies we have available for you.
  • Call us at your convenience and let us see how much money we can save you on your insurance.
  • Our agency is unique because it does not simply stick to one kind of insurance provider but brings the clients the best deals from many different insurance carriers. In this way, clients have access to offers from multiple carriers all in one place.
  • So, let us do the searching for you for free! Call our office for a Quick Quote and visit our website for all your insurance needs.
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​Check your furnace before the Winter cold sets in.

10/9/2020

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School is in full swing, the leaves are changing color, and that pumpkin spice latte just isn’t enough to stave off the morning chill. It’s time to switch your HVAC system over to Heat. Check the following list to be sure your furnace is ready for the coming winter.
1. Turn on the thermostat.
Switch from cooling to heating and set the temperature a couple of degrees higher than the current room temperature. If you don’t hear the heat kick on within a minute, pull off the cover and make sure the wire connections are secure (if you feel comfortable doing so). If the connections are snug, make sure the power source to the HVAC system is turned on. If it’s still not working, you could check the furnace fan, blower or heat pump — but it likely makes better sense to call in a professional.
2. Change the air filters.
You probably have air filters behind a vent grill in the wall or ceiling, or a single filter in the HVAC system itself. Change these filters every few months. Or, if you have a permanent electrostatic filter, you can wash and reuse it. Cleaning or replacing your filters regularly keeps particles out of your HVAC system and can prolong its life. While you’re at it, change your humidifier filter and set the humidistat, if your HVAC includes a humidifier.
3. Cover the AC condenser.
Unless your HVAC is a heat pump (in which case, don’t cover it at all because it runs all year), cover the condenser to protect it from falling icicles. A large trash can lid secured with bungee cords works quite well for this function. You can also use a board to cover the fan — but don’t wrap it in a moisture-trapping plastic tarp.
4. Clean the heat exchanger.
The heat exchanger should be brushed and vacuumed out annually by a trained professional while the unit is disabled. While it’s being cleaned, your technician should look for cracks, which could lead to a dangerous carbon monoxide leak into your home.
5. Lubricate and clean the blower motor.
First check the owner’s manual to see if your motor is the kind that needs lubricating. If it does, turn off the power, open the cover and clean the caps covering the bearings. Then remove the caps and lubricate the bearings.
6. Test the igniter switch.
On an old system, you might have to relight the pilot. Newer systems have electronic ignitors. If the ignitor isn’t working, push the reset button. If that doesn’t do the trick, check your breaker. Still not working? Call in a professional.
7. Inspect the chimney and carbon monoxide detectors.
Chimneys can house carbon buildup or even small animals. A professional should inspect them periodically. Routinely test or replace carbon monoxide detectors as well, as they help protect you from the “silent killer.”
8. Your insurance policy also needs a check-up.
We can do it over the phone if you wish. Get a hot cup of cocoa, pull out your policy and call our agency. It’s that simple!
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