As a manufacturer, you know the importance of ensuring every step of the process runs as smoothly as possible. You know that if just one aspect of the production of your product is neglected, the entire line is in jeopardy. Business insurance works the same way. The company can have the best property insurance and workers compensation package available, but if your business doesn’t carry sufficient liability insurance, the whole venture is at risk.[Read more…] about Insurance as Efficient as Your Manufacturing Business
As the popularity of motorcycles and other two-wheeled vehicles increases, many new riders are asking more questions about their insurance coverage. Motorcycle ownership increased an astounding 75 percent between 1998 and 2007, according to registration records. Unfortunately, the growth in motorcycle sales and registrations in the United States has been accompanied by an increase in accidents, property losses, injuries and fatalities involving motorcycles.[Read more…] about Motorcycle Insurance for Avid and Occasional Riders
Auto insurance is a necessary means to protect yourself from the financial consequences of car accidents and other damage to your vehicle. Many of us may get our quote and take it for granted that “it is what it is” without exploring any additional savings opportunities. But have you received all the discounts that you qualify for? Do you know all of the ways that you can save a few dollars on your auto insurance premiums?[Read more…] about Tips for Savings Money on Your Auto Insurance
It’s raining lawsuits. Do you have an umbrella? You may not think you will ever be subject to the litigation process, but in modern “sue-happy” society, can you afford to take that risk?[Read more…] about Umbrella Insurance Keeps You Out of the Rain
Hail and wind are common with summer storms, and can cause serious damage to your vehicle or your home. Louisiana is not only subject to wind and hail from severe storms, but also from tornadoes and hurricanes.
Many of us hang on to things long after they are useful. Whether it’s that old team jersey we used to wear every Friday, that busted electronic device we’re going to have fixed “one day,” or that box of old school reports, we have a hard time letting go. The same can be said of car insurance and how much you actually need.
Perhaps you have finally paid off the loan on your vehicle and after a year of not making car payments, you simply kept the comprehensive coverage out of habit. Most lenders require you to carry full coverage on a vehicle if you are still making payments. In any case, it’s important to review your car insurance policies every few years or so to be sure you’re carrying sufficient coverage – and to identify whether you are perhaps carrying too much.
For vehicles worth $5,000 or less, collision coverage may not make sense. First, even with full coverage, you still have to pay the deductible. Check the Kelley Blue Book value of your vehicle every year to calculate the necessity of collision coverage. If your $3,000 car is damaged and needs $1,500 in repairs, with a $1,000 deductible the value of insurance is only $500. That’s probably less than you pay in premiums with collision coverage and you’d be better off dropping it and starting a car repair savings account.
The other part of the equation is your accident history. If you have a fairly clean driving record and aren’t in the habit of causing accidents, collision coverage on a less valuable vehicle is probably not necessary. However, if you are a little accident-prone like some of us, you have to make that value judgment.
We can help identify your car insurance needs. Our agents do not work for any one insurance company, so they aren’t interested in selling you more coverage than you actually need. We will find you a number of quotes from a variety of insurance providers, ensuring you will find coverage you truly need at the best rates.