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How to Save Money on Car Insurance as Your Car Ages

It didn’t seem that long ago that you purchased your new car, but suddenly you realize that your car is now considered an older new car, so it may be time to reconsider the auto insurance that covers it. When you drove your car off the lot, it made sense to purchase full auto coverage, but now may realize you could be paying for some coverage options you no longer need. Find out how to save money as your car ages and make sure you contact your local N.C. independent insurance agent to inquire what car insurance options you could possibly cancel. Necessary Coverage Vs. Optional Coverage  N.C. mandates that if you own and operate [...]

How to Save Money on Car Insurance as Your Car Ages2018-07-03T08:08:22-05:00

Train Your Fleet Drivers How to Handle an Accident

If you have a business where you utilize fleet drivers, you realize how important driving safety is for your business, the drivers, and anyone else driving on the highways. Accidents involving fleet cars/trucks cost businesses millions of dollars every year so it is important to train your fleet drivers how to handle an accident when and if it happens. Having a plan in place BEFORE an accident happens can help promote safety on the road, increase the driver’s awareness to document information at the accident scene, and in turn, reduce the likelihood of similar accidents down the road. When an accident happens, it is normal for drivers to become flustered and anxious, but it is [...]

Train Your Fleet Drivers How to Handle an Accident2018-06-18T16:53:51-05:00

7 Tips for Hiring Safe Drivers for Your Business

Your business depends on your drivers for many things, including the success of your business; but what if you hired someone to be a driver and found out they were not following appropriate safety measures when operating one of your fleet vehicles? Failing to hire safe drivers for your business can cost you your business if you aren’t careful. Before you hire your next driver, recognize 7 tips for hiring safe drivers for your business. Keep in mind there are many different situations where a driver for your business may operate. Sometimes, the driver may be a full time driver, while other times, you may have someone who works for you only drive randomly for [...]

7 Tips for Hiring Safe Drivers for Your Business2018-06-11T18:14:44-05:00

Protect Your Business Against Risks Often Overlooked

Your business is your livelihood so the protection your business deserves must be solid.  Regardless of how safe you are, adversity can strike at any given moment and when it does, you need to know that you have the right type of business insurance in place to safeguard your business and assets. Simply having a business insurance policy is not enough; you must make sure you have a custom built insurance policy designed to protect your business against risks often overlooked. Because your business is unique and diverse, there are many coverage options available to shield your business from common risks that are characteristic of your business. Some Common Types of Optional Coverage Endorsements That [...]

Protect Your Business Against Risks Often Overlooked2018-06-11T18:02:13-05:00

Using a Buy-Sell Agreement to Perpetuate Your Business After You Are Gone

When you start your dream business, you typically don’t think of all the possibilities of what could happen to your business, but you should. Obviously insuring your business for unfortunate incidents is vital to the success of your business; but have you considered what may happen if you jointly own the business and something happens to you or your business partner? Using a Buy-Sell agreement to perpetuate your business after you are gone is something you may want to consider if you want your dream business to continue. What is a Buy-Sell Agreement? A Buy-Sell Agreement is a legally bound contract between the owners of a business that outlines how the business will continue when [...]

Using a Buy-Sell Agreement to Perpetuate Your Business After You Are Gone2018-05-24T19:03:04-05:00

Certificate of Insurance Versus Additional Insured

In order to protect your business properly, you must have business insurance, but do you understand every aspect regarding your business and the protection it deserves? You may hear two terms that coincide quite frequently, but making sure you understand the difference between the two is imperative should something unfortunate happen. If you are a business owner, knowing the key differences between “certificate of insurance” versus “additional insured” is essential to keeping your business in tact. What is a Certificate of Insurance? Simply put, a certificate of insurance is a document that proves there is an insurance policy that is in effect for that particular business. Before any job starts, it is always recommended that [...]

Certificate of Insurance Versus Additional Insured2018-05-18T18:22:09-05:00

Does Your Homeowners Insurance Cover Damage Caused from Animals and Pests?

Owning a home means insects, animals, rodents, or vermin may take up residence in your home rent free, causing damages that could be extensive. Ants, bees, raccoons, mice and many other “uninvited” creatures are always looking for entry into a place that is warm and protected and this place may be YOUR home, but does your homeowners insurance cover damage caused from animals and pests? Pesky Problems Imagine lying in bed one night and hearing scratching and squeaking noises in the wall next to your bed. Eyes wide open, you are terrified to discover there are mice living in your wall. You start investigating to find some electrical wires that appear to be gnawed upon [...]

Does Your Homeowners Insurance Cover Damage Caused from Animals and Pests?2018-05-07T09:18:06-05:00

What You Should Know About Insuring Classic Cars

If you are one of those people that loves the hunt for that perfect antique car or has decided to rebuild that limited edition car sitting in your garage, then you know how much fun, passion, and time is involved. At the same time you know that any protection needed/required for these special antique collection cars is anything but ordinary. Extraordinary cars require extraordinary protection so before you take your vintage baby out for a spin, there are some things you should know about insuring classic cars. Old Doesn’t Always Mean Classic Not every “old” car is considered classic, antique or vintage; however if your car is 25-30 years old with a value that is [...]

What You Should Know About Insuring Classic Cars2018-05-07T09:04:47-05:00

Why is My N.C. Car Insurance Bill Increasing?

You may have heard about car insurance rates on the rise, but most likely you have seen or will see in the near future that when you open your renewal bill, you will see a spike in your N.C. car insurance bill and you may be asking yourself, "Why is my N.C. car insurance bill increasing?"  Many people are confused especially if there have been no accidents, tickets, or changes in their coverage yet still experience a rate increase for their N.C. car insurance. Some Common Reasons for Car Insurance Rates Increases  Accidents, Speeding Tickets, Driving with License Revoked  This simple reason may be obvious, but if you have been involved in chargeable accidents, received [...]

Why is My N.C. Car Insurance Bill Increasing?2018-05-04T07:00:41-05:00

What You May Not Know About Car Insurance

You may realize that if you own a car, it is legally mandated that you have insurance on the car, but do you know all there is to know about car insurance? It may seem simplistic that if you get into an accident, your insurance will most likely apply to cover damages, but is it really that simple? What you may not know about car insurance is that it doesn’t have to be complicated, but with the help of your local N.C. independent insurance agent, you can fully understand the process of purchasing the right type of auto insurance for your needs and the filing of auto insurance claims should an accident occur. Some Questions [...]

What You May Not Know About Car Insurance2018-05-04T06:58:41-05:00
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