Every insurance company determines rates differently Insurance companies have a tremendous amount of data and predictive modeling to help determine the correct premium for the right risk. Some may not rate for not at fault, where others may not accept…
Umbrella An umbrella policy is the most cost-effective policy a person could buy. Most people have never even heard of an umbrella, and even less know what they do. In short: 1,000,000 dollar’s in coverage for $150 dollars a year. …
GAP COVERAGE What is Gap Coverage? When discussing buying a new vehicle, people often jest with jokes such as, “Once you drive off the lot, the vehicle is worth 1/2 of what you paid!” That kernel of wisdom, while funny,…
Defining “Agency” I think the term Agent has lost some of its importance over the years. Since some insurance companies have massive advertising budgets, then use the term Agency for their sales team. It is no surprise that the average…
The burning question for every parent when it comes to their kid’s 15th birthday. How much is it going to cost to add them to my auto policy? Let me be forthright and honest with you. It is going to…
First Time Homebuyers and escrow There are many hurdles that first-time homebuyers go through; one of the last ones is Homeowners insurance or hazard insurance. There are a few types of insurance, such as PMI, home warranty, and hazard. We…
To truly protect our clients, I will often offer an “Umbrella” policy. The most common questions are, what is an umbrella policy, and why would I need one. I am glad you asked. Umbrella policies provide additional excess liability coverage…
One of the most common questions an insurance agent gets revolves around price, and rightfully so. Georgia has some of the highest insurance premiums in the country! The solution to the pricing question should not revolve around the reduction in…
Uninsured and Underinsured Motorist (often see as UM for short) coverage is probably one of the most misunderstood coverages and for good reason. Uninsured and Underinsured Motorist is the coverage that pays for bodily and property damage. The difference Uninsured…
Have you ever wondered how insurance companies can magically know VIN’s, Drivers license numbers, and even loss histories? Well here is an industry secret…Magic… By magic, we mean reporting agencies such as Lexus Nexus. These companies, like Lexus Nexus aggregate…
