What is All of That Auto Coverage For?

Wherever there are two or more gathered the topic of insurance comes up - perhaps this is a mechanism to clear the room of unwanted guests... But in the conversation there is one general theme: why are my rates so high and what is all of this coverage? The first question is one that is easily answered. Give us a call and let us see what we can do. All I have to say is that since the first of the year we have saved significant premium dollars for our new clients who were previously insured with USAA, Allstate, State Farm and Farmers. But enough of us tooting our horn.

Now what are all of those different coverages on your auto policy? Well, there can be as many as 7 or 8 different coverages. Not everyone needs them all, but we will save that conversation for another day.

Let's look at liability coverage. This protects you when you do something bad - cause an accident or run over a pedestrian, for example, and that person comes after you for every dime they can get. Lower liability limits leave your ass(ets) exposed to an uncovered claim, and that always makes me nervous.

Higher liability limits protect your assets. While they may cost you $100-$200 more each year, how much of an attorney's time can you buy with those savings? Maybe 45 minutes. That isn't nearly enough time to get your claim resolved.

So when you look at your policy, take a close look at your liability coverage as it is probably the most critical element of your auto coverage. You need to take a moment to understand your coverage and your risk. If we can help, give us a call!

Insurance and the Superbowl

Even if you re not a sports fan, you now that football's biggest showdown - for the advertisers and the players - is taking place in Arlington, Texas this weekend. Whether you're at a Super Bowl part or, like Meagan, doing the crossword during the game and watching during the commercials, the basics of the game are hard to miss. One team tries to get the football into the other team's end zone. Simple, right? As anyone who has watched a game knows, there is this great thing called defense to keep that football out of scoring range. A good insurance agent can be your defensive line - making sure you're protected against whatever is coming your way. While you may not be facing down the Green Bay Packers or the Pittsburgh Steelers, knowing that you have good defense protecting you is great for your peace of mind. Like football players, we have had a lot of training, and lots of practice protecting what matters most to you.

Of course, the outcome of the game isn't the only thing people will be talking about. Superbowl commercials have become just as big of an event as the game itself. While we can't protect you from bad commercials (and there are a few every year that make you cringe) let us know what your favorite is - leave a comment below!

Happy Superbowl and may the best team win!