How Important is Driving Experience for Insurance Rates?

man driving a car

Driving experience impacts your insurance premiums. Here’s how. There are many factors that insurers look at when determining your auto insurance rate. One important factor is your driving history. Presumably, the longer you’ve been driving, the lower your rates should be, right? We take a look into how driving experience directly impacts insurance rates. Generally speaking, the more driving experience you have, the less likely you are to get in a collision. This is because you have Read More

What You Should Always Know About Your Home Insurance

people holding a figure of a house

Key factors to know about your home insurance coverage.   A new home is most likely one of the most important investments you will ever make. The second most important investment is homeowners insurance. Before you pick a policy and then forget about coverage instantly, it’s wise to know your policy inside and out. It’s not until a disaster occurs that homeowners finally realize exactly what coverage they do and do not have on their home insurance policy. Here are three important things to Read More

How to Prep Your Vehicle for Summer

two people on a summer road trip

Summer vehicle maintenance tips you need to know.   Road trip season is almost here! Now is the time to make sure your vehicle is ready to handle some sun-drenched driving. Summer’s high temperatures, flurries of dust, and occasional rainfall can take a toll on your vehicle and driving. To help ensure your car is ready for the summer roads ahead, be sure to follow these car maintenance tips. Get your oil and oil filter changed This is particularly important if your last oil change was a Read More

How Do I Find a reliable Contractor After a Loss?

contractor doing roofing work

Get your home repaired quickly and efficiently by finding the right contractor. If there’s been a recent storm in your local area, you may find that contractors are knocking on your door trying to sell their services. But before you agree to let a local contractor repair your home that suffered damage from a recent incident, it’s a good idea to check with your insurance agent first. It’s best to let the insurance company assess the damage first to avoid having to pay for additional work that Read More

When You Will Need to Update Your Commercial Insurance

team working around a table

Understand when you should review your commercial insurance coverage. A significant number of people always take time to review and update their home and life insurance policies but end up forgetting about their commercial insurance policy. As a business owner in Illinois, it is important that you regularly review and update coverage so that protection stays in line with your business’s needs. Take a look at just a couple of events that dictate it’s time to update your commercial insurance Read More

What to Look Out For When Reading an Auto Insurance Policy

reading through an insurance policy

Look over these important parts of your auto insurance policy. Although auto insurance isn’t the most thrilling of topics to think about, it is an important one. Your auto insurance policy is a legal contract, and it’s important that you understand it before entering an agreement with your insurance provider. Familiarize yourself with the different components of your policy so that you know what is and is not covered, and so that you can easily find information in the future. Here’s what you Read More

Should You Get Uninsured Motorist Coverage?

Car accident on the street.

Do you need uninsured/underinsured motorist coverage?  Is there anything worse than being injured in an auto accident caused by someone else’s negligence, resulting in a mountain of medical bills, vehicle repair expenses, and time away from work? What if the at-fault driver does have any or enough insurance to cover these costs? Although it seems like an extreme and unlikely scenario, it’s much more common than you think. Many drivers continue to settle for too little insurance or try to cheat Read More

Does General Liability Insurance Cover Employees Who Are Hurt on the Job?

filling up a work injury claim form

Make sure you understand what your general liability does and does not cover. Many business owners are mistakenly under the impression that their general liability insurance covers their employees if they are injured on the job. This is a concern for many because it shows that many business owners do not understand their general liability insurance policy or comprehend the need to secure a separate workers’ compensation insurance policy. General liability insurance, although it does cover Read More

3 Ways to Make Your Business More Efficient

Ways to Make Your Business More Efficient

Streamline your business processes to be more efficient every day. Every business owner wants the most out of every day and every team member. Ideally, things would run smoothly and at the highest efficiency possible. However, people are human, errors happen, and hurdles get in the way. Luckily, we’ve rounded up some of our top tips on how to help businesses be more cost-effective and boost productivity – easily! Read on for more information. Speed up your workflow A large amount of Read More

Which Driving Habits Can Affect Your Auto Insurance Rate?

Which Driving Habits Can Affect Your Auto Insurance Rate?

Know how you can help to keep your auto insurance premiums low.   Your driving habits can affect how much you pay for your auto insurance policy. However, even though most motorists know this, it is often unclear which specific habits can cause the rates of auto insurance to increase or decrease. Here are a few of the habits you should keep in check while behind the wheel. Mileage The number of miles that you drive per year can have a huge effect on the amount you pay for auto Read More