07/20/2017

It’s always a great idea to shop around for a cheaper rate on your auto insurance policies. Financial advisors recommend that you do it at least every two years. But what do you do next if you find an auto insurance company that has a lower rate than the one you’re currently paying? It’s very easy to change auto insurance companies from one company to another. But there is a right way and a wrong way to do it.      Doing it the wrong way can lead to some big headaches in the future! There

07/12/2017

It’s always a terrible idea to drive drunk or drugged anywhere.  This is especially true in the state of Ohio, where the Ohio State Highway Patrol doesn’t mess around with DUI’s!  If you drive impaired in Ohio, chances are you will get caught sooner or later.  The vast majority of people understands and is very aware of that.  However, impaired judgment sometimes leads to impaired decisions.           I am not here to lecture, preach or pass judgment on any of you that this has already

07/06/2017

There are many places to buy motorcycle insurance in the Portsmouth Ohio area, whether you buy from an agent, or directly through a motorcycle insurance company. However, most of you probably searched online beforehand. Searching online is the most efficient way to find the best price for the level of coverage you’re looking for….           But there is a right way and a wrong way to shop for motorcycle insurance online. Many bikers screw up by looking in the wrong places.  This causes

07/03/2017

There are plenty of companies in Ohio that insure golf carts, but there are no two policies alike when it comes to the coverage being offered. Although just about all golf cart insurance policies are inexpensive, there’s a big difference between a good policy and a lousy one as far as what it covered. Even if you selected the highest coverage available, your policy could still be missing out on important coverage that a good policy offers.      Golf cart insurance policies generally fall

06/30/2017

For drivers in the state of Indiana that need to buy auto insurance but do not own a vehicle, you're going to need to take out what is called a Named Operator Auto Insurance policy (a.k.a. non-owners policy). There are three primary reasons why someone who does not own a vehicle would want or need to carry liability auto insurance: Your employer requires you to carry personal auto insurance. Your license is suspended and you need either an SR50 or an SR22 filing attached onto your auto

06/17/2017

When it comes to boat insurance in Virginia, it would be very difficult to find two policies exactly alike.  Boat insurance policies can range from very good to very lousy as far as coverage is concerned.  Without knowing what to look for, it’s nearly impossible to distinguish between a good boat insurance policy and a bad one.        This article will offer you 10 key points on what to look for on a boat insurance policy.  Not all 10 key points will apply to everyone.  But this will give

06/15/2017

Pennsylvania is one of very few states that offer the option of having stacked or unstacked coverage on an auto insurance policy. However, not many people understand the difference between the two. This article will help you understand how stacked auto insurance coverage works, and answer other questions you may have. Who does Stacked coverage apply to?       Stacked coverage applies to anyone with a PA auto insurance policy that has more than one vehicle insured on that policy. What

06/10/2017

A high percentage of people in the Portsmouth Ohio area are required by the state BMV to carry SR22 auto insurance filings to reinstate and keep their driver’s license active.  That’s because Scioto County has a very high rate of DUI’S and driving under suspensions (DUS) per capita compared to other counties (see chart below). Only our neighbors in Jackson County and very few others of Ohio’s 88 counties have a higher percentage than Scioto County.

06/05/2017

While boat insurance is very easy to find, it is sometimes difficult to tell a good boat insurance policy from a bad one. Unlike auto insurance, which is for the most part standardized, it's rare to find two boat insurance policies exactly alike. For the most part, stand-alone boat insurance policies generally offer much better coverage for about the same price as opposed to boat insurance that's attached to a homeowners policy. This is especially true in Michigan, where there are not as

05/27/2017

While buying auto insurance in the Portsmouth Ohio area with a clean driving record is very easy to do, drivers who have accidents, DUI’s, suspensions, multiple minor tickets or need an SR22 filing might have to look a little harder in order to find an affordable rate. But there are plenty of auto insurance companies out there that can help you find a low rate even with a bad driving record. There are several things you can do to help minimize the damage done to your auto insurance rate.

05/23/2017

What is a Named Operator's Auto Insurance policy?        If you need auto insurance in Virginia, a named operator’s (AKA non owners) policy is a special type of auto insurance policy for drivers who do not own a vehicle.  These policies are not intended to replace a regular auto insurance policy which puts coverage on a specific vehicle.  But for those of you who do not have a vehicle, a named operator’s policy is the only way to get some type of auto insurance coverage without being added as

05/20/2017

If you’re trying to make sense of Michigan’s motorcycle insurance laws, take a number!  When it comes to motorcycle insurance, Michigan has the craziest laws of any state.  This makes buying motorcycle insurance in Michigan very confusing.  What makes the laws so crazy is the fact that the amount of coverage you have depends on what you crash into in an accident.  It basically boils down to two options for motorcyclists in Michigan: Either pay a fortune for adequate medical coverage all the

05/17/2017

When you compare the amount of coverage offered on a renters insurance policy to the low price that it costs for renters insurance in Ohio, you would think that buying renters insurance is a no-brainer….. right?  But surprisingly, statistics show that’s not the case.  In fact, roughly 2/3 of renters have no renters insurance coverage whatsoever. I want to share a couple scenarios with you to illustrate why it’s very important to have renters insurance: Fire scenario: Let’s suppose your

05/14/2017

When it comes to RV/motor Home Insurance, there are different ways to set up a policy.  Some people simply attach it to their auto insurance policy, if their company allows it.  Others buy exclusive stand-alone insurance for their RV or motor home.  But not all companies are the same as far as insurance coverage that they offer for RV’s.  Many of you are either getting cheated out of coverage and/or are probably paying too much for the coverage you are getting. This is especially true for

05/11/2017

Indiana is one of the very few states that have multiple types of auto insurance filings.  While an SR22 filing is very common to many states, the SR50 filing is unique to Indiana.  That’s why you’re not able to find as much information out there regarding SR50 filings.  While the SR50 and the SR22 filing are very similar in many ways, there are some key differences between the two.  This article will help you understand both types of filings, and also show you how to attach either filing