From the category archives: Insurance Protection Blog

Auto Insurance

5 Reasons Why Every Driver Should Invest in a Dashcam

post image It happens so suddenly. You are cruising along in your auto, humming to your favorite song on the radio, and a split second later, you are wondering what happened?  Is everyone alright? and did I do something to cause this? Auto accidents usually occur quickly, without warning and often the sequence of events gets muddled in the aftermath. Was it my fault? Was it the other driver’s fault? Recollection of what exactly happened can be impossible. Police arrive, all involved parties and witnesses tell their side of the story. Wait? What? The other driver claims it was my fault. I don’t remember it that way. This is just one reason, why I am advocating and strongly suggesting that my clients consider investing in a Dashcam. A dashcam or dashboard camera is a continuous loop mounted video camera that records the view through a vehicle's front windshield. Dashcams can be attached directly onto the inside of the vehicle (glass or dashboard) and removed when exiting your auto.  It may be at ...
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GOOGLE COMPARE: This is why Googles Online Quoting Tool Could Never Replace My Agency

post image I was not shocked when I read the recent headlines that Google Compare was ceasing operations. To give you a little history on the background of Google Compare, last spring, Google (a U.S. based international technology company that specializes in internet related services and products) launched a comparative rater for auto insurance. It was tested in both the U.K. and the U.S. Consumers could log onto the site, add specific personal and driving information and receive quotes from 28 insurance carriers.  The purchaser could either choose a policy online or call and speak to the chosen carriers’ agents over the phone. Comparative raters are not a new technology. Companies such as, esurance, quotepro and turborater (to just name a few) have been utilizing the technology to reach out to consumers for 5 years or more. The difference is that Google Compare was one of the largest players to enter the game, and as with every thing Google-related, they expected to squash the competition. ...
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Auto Insurance and Telematics: Big Brother may save you money

post image Many insurance companies are asking policyholders to install sensors in their automobiles in order to gauge their driving abilities. A device provided by car insurance carriers plugs into the auto’s data port, downloads onto a smartphone via a mobile app or can be utilized through onboard communications systems such as Onstar. The device collects information on mileage, braking, turns, acceleration, and what time of day the car is being used. The device, (called a “Telematic”) transmits the data to the company, which uses it to rate drivers. Traditionally, companies have gauged liability and risk based on parameters of socio-economic demographics, accident history, claims history, payment history and credit score. But Telematics supplies real data on the client, which can prove to be benefit to the policyholder’s insurance premium or reward customers with points that can be redeemed for gifts. There are advantages and disadvantages to installing a “Telematic” in your au ...
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7 Simple Insurance Tips from a Long Time "Seasoned" Insurance Professional

post image Everyone is rushed. Each day people are constantly fighting the clock and dashing through their day, crossing chores off of their checklist and scrambling to get things done. The problem with the modern speed of life, is that every responsibility is not created equal. Consumers can sometimes equate purchasing insurance with signing up for cable service or making an appointment for the dog groomer. I call it the “One and Done” mindset. Purchasing insurance, whether for personal use (auto, home, life, umbrella, flood) or business requires much more than filling out a simple application and clicking “YES”. It is not a “one size fits all” proposition. In my 30 plus years in the industry, I have experienced consumers who have told me stories of bad decisions that they have made when it came to purchasing insurance. So I thought this might be a good opportunity to give you some advice from a longtime “seasoned” insurance advocate. TO GET THE BEST COVERAGE YOU N ...
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Deer in the Headlights: It's Mating Season for Bucks, Does, Bears and Cows

post image Romance is in their air during the months of October through December in the animal kingdom. You are driving down the highway during dawn to work, or home at dusk. Suddenly out of nowhere, a 5-point 400-pound Buck leaps smack into the middle of the road. Sounds ridiculous, but it happens, often this time of the year and on a daily basis. Just ask any auto shop or insurance carrier, who claim to have an uptick of animal-to-vehicle collisions of over 25% during fall. According to the odds of a deer collision are increasing. The population of white-tail deer has escalated to 30 million. That is over 100 times more than a century ago. The odds of hitting a dear are 1 in 169 during the year, but that figure doubles from autumn through early winter as mating and migration season for many large animals commences and the freeways are filled with them. Loss of their natural habitats due to population growth and sprawl, plus decreasing deer hunts have added to an increase in the deer population in su ...
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