What is your most valuable asset? It is not your car. Or even your home, or any other personal possession. The most valuable thing you possess is your ability to continue to earn income. So why do we often take the time and pay the premium to insure our homes and our cars, but not … Read more →

There are typically three ways you can purchase insurance coverage:   1)      On the internet 2)      A captive insurance agent 3)      An independent insurance agent   On the internet, you are generally being offered coverage from only one insurance company.  That company is not located in your neighborhood.  It is not part of your community.  … Read more →

What does it mean when an insurance company tells you that your vehicle is “totaled?”  And how much are they going to give you for it?  These are common questions.  Here we offer some answers. First of all, let’s talk about your car.  Every car has an Actual Cash Value.  The actual cash value is … Read more →