An independent agent may be able to find a better deal for your insurance needs than you can on your own. It usually does not cost anything and can save you a lot of time. Independent insurance agents work with a variety of insurance companies to get you the best coverage at the best possible rate. Further, because they are not tied to one company, they provide you with the most unbiased, cost-effective, and strongest policy recommendations.
Occupational Discounts for Military, First Responders, Educators, Medical Professionals
Good Student Discount for students under 25 with a B average or better
Vehicle Safety and Anti-Theft Discounts
Claims Free Discount
Telematic Discounts for safe drivers using mobile apps/devices.
Paid in Full Discounts
Home Safety Discounts for homes with security systems
Smart Home Systems Discounts
Gated Community Discounts
Automatic Sprinkler Discount
Smart Water Sensor Discounts
New Roof Discount for roof under 10 years old.
New Home Discount
First Time Buyer Discount
It depends on your auto insurance policy and the type of vehicle you’re renting. Most policies will extend the highest level of coverage on your policy to a rented vehicle. However, in the event of an accident in a rented vehicle, the rental company may charge you for expenses that are not covered by your auto insurance policy. We’re happy to review your policy and help you make an informed decision. Give us a call!
Drive safely. Savings are often available to safe drivers. Staying accident, violation and claim-free can translate to lower premiums.
Bundle your policies. Purchasing your car as well as homeowners, condo, renters, boat or umbrella insurance together may qualify you for multi-policy discounts.
Participate in your insurance company’s telematic program.
Talk to your agent to make sure your information is up to date. If you have moved, are driving less, have achieved an educational milestone or have changed occupations, you may qualify for lower rates. These are just a few examples. Talk with your local agent to make sure you’re getting the best possible rate!
Your insurance deductible is the amount you pay towards a covered claim. For example, if the cost to repair your vehicle after an at fault accident is $5,000 and your deductible is $500, then you’d pay $500 towards the repair and the insurance company would pay $4,500. The lower the deductible, the less you’ll pay out of pocket if an incident occurs. Selecting a higher deductible may lower your insurance premium, but it is important to choose a deductible you can afford in the event of a loss.
Market value is the amount a buyer would pay for the home and land in its current condition. It is influenced by factors such as proximity to good schools, local crime statistics, views, desirability of the location and the availability of similar homes.
Replacement cost is the cost to rebuild the home. When you insure your home for its estimated replacement value, your insurer will reimburse you for the cost of rebuilding your home, subject to policy limitations, based on the size and structure of the home that was lost. Replacement cost is not:
- The market value of the home
- The home's purchase price
- The cost of the land
- The outstanding amount of any mortgage