​Before you pack up the car and head out on the road, here are 7 safety tips to take in prepping for your spring break trip:

In the age of online everything, you can get an insurance quote without a "middle-man."  So why do you need an insurance agent, especially when you can instantly access a chatbot to answer your questions?

Simply put, if you decide to go solo, you'll face a variety of headaches when (not if) you must invoke your policy in claim situations and pray you chose the right coverage to prevent a financial catastrophe.

A great insurance agent is priceless in partnering with you to provide personalized guidance for this critical type of financial protection.
​
So what should you consider in deciding which insurance expert to place your trust in?
Here are 7 factors to finding a great match:

Auto insurance rates are determined based on a variety of factors, including gender of the driver.  These rates can vary over time by an average of 11% by gender, according to a recent Wallethub analysis.

Historically....

A recent survey found that 65% of Americans have no clue what their home insurance policy fully covers.  45% said they’ve had an insurance claim denied because they didn’t have the coverage. 

This is why you need to periodically talk with your local insurance agent to remember what coverage you have and whether you need to make changes.
​
Here are 9 questions to help guide your conversation:

Most vehicles have blind spots, areas around them where the driver has limited/no visibility.

What many people don't realize is how BIG the blind spots are for commercial vehicles like 18 wheelers.
​
Here are the main blind spots to be aware of when driving near a commercial truck:

Not that it's foremost on your mind on Valentine's Day, but insurance IS an important aspect of a loving relationship.

 It helps protect you and your partner from financial loss, and your insurance needs will vary depending on the stage of your relationship.
​
Here are some examples of insurance needs at 5 different relationship stages:

An independent insurance agent is not tied to any specific insurance company.  They represent multiple insurance companies and can provide a variety of options to their clients.

This is compared to a captive agent who works for only one insurance company and can only offer you the products that company offers.
​
Advantages of using an independent insurance agent include having:

​Are you among the UNDER-insured population?
Numbers of reports indicate that:

·         66% (2 out of 3) of homes in the US are under-insured
·         12/6% (1 in 8) motorists have NO insurance at all

Why does this happen?

At a minimum, evaluate your policies once a year to ensure they still meet your current needs and to take advantage of any potential cost savings.  Plus, certain life events or changes in circumstances may require an immediate review of your policies.

Examples of situations that may require a review of your insurance policies include: