Author: Erlens Louis
-
Understanding Insurance Deductibles: What You Need to Know
When purchasing an insurance policy, whether for your car, home, or health, one key factor to consider is the deductible. This amount plays a crucial role in determining both your out-of-pocket expenses and your monthly premiums. In this article, we’ll break down what an insurance deductible is, how it works, and the factors to consider…
-
Why Cost Shouldn’t Be Your Only Concern When Choosing Insurance
When it comes to buying insurance, many policyholders focus primarily on finding the lowest price. While cost is certainly an important factor, it shouldn’t be the deciding factor. Insurance is designed to protect what matters most to you—your home, car, business, or even your loved ones’ financial security. Choosing a policy based solely on cost…
-
Homeowners Insurance Discounts for Alarm and Security Systems
Protecting your home is a top priority, and having a security system in place is one of the most effective ways to safeguard your property and loved ones. But did you know that installing an alarm or security system can also lower your homeowners insurance premiums? Many insurance companies reward proactive homeowners who invest in…
-
The Impact of Self-Driving Vehicles on Insurance Premiums and the Insurance Industry
The rise of self-driving vehicles is poised to revolutionize the way we approach transportation, and with it, the insurance industry will experience significant transformations. As an independent insurance agent, I believe this emerging technology will bring both opportunities and challenges for insurers, policyholders, and industry professionals. Let’s examine how self-driving vehicles might impact insurance premiums…
-
Unlock Savings with Defensive Driving Discounts
As an Licensed Insurance Agent, I often help my clients find ways to save on their insurance premiums. One of the most effective and lesser-known strategies is taking advantage of a defensive driving discount. What Is a Defensive Driving Discount? A defensive driving discount is a reward offered by many insurance companies to drivers who…
-
Understanding Auto Replacement Protection Coverage
When you purchase a vehicle, it’s one of the most significant investments you’ll make. But what happens if your car is totaled in an accident or stolen? This is where Auto Replacement Protection Coverage comes into play. In this article, I’ll break down how this coverage works, its benefits, and why it might be a…
-
How Customers Can Help Reduce Insurance Fraud
Insurance fraud is a costly issue that affects everyone – from insurance companies to honest policyholders. In the U.S. alone, insurance fraud costs billions of dollars each year, leading to higher premiums for consumers. As an independent insurance agent, I believe that reducing fraud is a shared responsibility, and customers play a crucial role in…
-
How Marital Status Affects Auto Insurance Applications in Florida
When applying for auto insurance in Florida, one often-overlooked factor that can influence premiums is marital status. Insurers consider marital status a key rating factor because of statistical correlations between relationship status and driving behavior. Understanding how this works can help Florida drivers make informed decisions and potentially lower their premiums. Why Does Marital Status…
-
How to Save Money on Auto Insurance While on Vacation or Not Driving
As an independent insurance agent, I often get questions from clients about how to lower their auto insurance premiums when their car isn’t in use for an extended period. Whether you’re going on vacation for over 30 days, temporarily relocating, or simply not driving, there are ways to reduce your insurance costs without compromising coverage.…
-
What to Know When Filing an Auto Insurance Claim: A Complete Guide
Filing an auto insurance claim can feel stressful, especially right after an accident. Whether it’s a fender bender or a more serious collision, knowing how to handle the process can help ensure you receive the coverage you deserve. Here’s a step-by-step guide to help you navigate the auto insurance claims process smoothly. 1. Understand Your…
Agent Louis 