Don’t be fooled by roadside coverage on your auto policy

The roadside assistance coverage now being offered by most auto insurance companies has a downfall to using it. When you use this coverage, it goes on your claims history and can count against your policy. Since it is a claim, it can be chargeable and affect your rates. Recently, I had been trying to help a customer get a better …

Auto Insurance to Increase on Lower Income Drivers

Some of the state’s lower income drivers will pay higher insurance premiums, if a law requiring higher liability limits is passed by the legislature. The liability limits in CT have not been changed since 1971. Currently the limits for auto liability are $20,000 per person and $40,000 per accident for bodily injury and $10,000 per accident for property damage. The …

Say Goodbye to Full Glass Coverage in Connecticut

Automatic braking in vehicles is a great thing to help you avoid accidents. By 2022, 99% of all U.S. vehicles will be required to have automatic braking. This is part of the ADAS system, Advanced Driver Assistance Systems. The problem is that some of the sensors are in the windshield. Meaning your windshield will now have computer sensors. These computer …

Why did my rate go up?

A common and frequent question insurance agents are asked is “Why did my rate go up?”. Insured’s get their renewal bill for their insurance and like all of us, the first thing you notice is the price is higher than last year. Every year all bills go up such as cable, electric, etc. but insurance bills seem to increase more …

Should I buy separate insurance when I rent a car?

So you are renting a car and trying to figure out if you should purchase the insurance they offer. It all depends on the type of coverage you have on your current auto policy. There are many misconceptions about auto rental reimbursement coverage that is provided under your car insurance policy. Rental reimbursement coverage will cover the daily rental fees …

The Check Is In The Mail

How many times in your life have you said this or have had someone say it to you? Well, if you are under 30 you might never have said this phrase or maybe you have never even written out a check before. Most transactions done by the younger generation is through the internet. They don’t depend on “snail mail” and …

Umbrella Insurance – An Overlooked Policy

Did you know you could be sued over a social media post? Either something you post or something your children post. In today’s society you could be sued over just about anything. We all hear the stories on the news about it. One way to protect yourself is to purchase an umbrella policy. Many clients tend to overlook a very …

How to handle not at fault accidents:

When it is possible, it is best not to call your own insurance company when you are not at fault for an accident. If you know the name of the other insurance company and you can contact them, my advice would be to contact them instead of your own carrier. This way it will not be on your record and …

Why is my auto insurance so expensive?

People ask me this question all the time. When I started as an insurance agent back in 1988, there weren’t many factors that went into rating your policy. Your age, your driving record and your sex was pretty much all the insurance companies reviewed. I could rate a policy by looking it up in a book. The agent used a …