Why 'self Insuring' Is Dangerous And How To Find A Better Way

Are you considering the idea of 'self-insuring'? Self-insurance is attractive to many people as a money-saving option, but it can be a dangerous move as well. To protect yourself and your finances, here are a few tips for anyone thinking about self-insurance.  What Are the Dangers of Self Insuring  Self-insuring is simply the choice to avoid purchasing a personal insurance coverage policy and instead relying on one's own income and assets to cover potential bills. [Read More]

Common Instances That Signal The Need For A Commercial Insurance Review

 If you have been operating your business for a long time, and everything is going well, it is easy to assume that it is okay to keep everything the same. However, this type of mindset when it comes to insurance can be a problem. In the same manner that you like to spruce things up and change the services or goods you offer your customers now and then, it is a good idea to take the same approach to your insurance needs. [Read More]

Why You Might Want to Buy Insurance From an Independent Agency

Carrying insurance on one thing or another is just a part of life. You might not like the idea of shelling out money every month for something you won't technically use unless something goes wrong, but the moment things do go sideways, you'll be grateful that you have enough coverage to help you recover from the situation. There are many different ways to obtain insurance these days, and plenty of different insurance companies out there to compete for your business. [Read More]

Risk Levels For Auto Insurance And Determining Which One You Are

The primary factor that affects the auto insurance rates you pay is your risk level. When insurance companies provide quotes for you, they determine what risk level you are and place you in a category. Most companies use three categories of risk levels. Here is an explanation of what the risk levels are and how you can determine which one you are. The Low-Risk Category If you have a clean driving record and no claims on file with any insurance policy you've had in the past, you might fall into the preferred risk category. [Read More]