Get the answers to your questions. Have a question not listed here? Contact us!
How Do I Know if my Home is in a Floodplain?
The Federal Emergency Management Agency (FEMA) maintains maps that indicate potential flood hazard areas. Click here to perform a search of their map catalog.
You can also contact one of our friendly, knowledgeable Agents who can answer all of your flood insurance questions.
What is Cyber Liability Insurance?
The Internet is a fantastic tool, with some dangerous traps for the unwary. Cyber liability coverage protects against many common situations that many traditional business insurance policies skip over. For example:
- The loss or theft of a company laptop which can result in the theft of a customer’s data.
- A business’ failure to follow federal or state regulations involving prompt notification of a security breach that has compromised personal data.
- Unknowingly passing along viruses or other malware to clients.
- Slander on the part of an employee through blogs, social media sites, or copyright infringement on your company site.
Contact us today to find out how we can protect you against these and other potential pitfalls.
Do I Really Need Auto Insurance?
The short answer is yes. According to the Nevada Revised Statutes, all drivers are required to obtain auto insurance. Aside from compliance with the law, there are other good reasons for obtaining auto insurance:
Auto insurance also helps to provide protection for you, your family, and your vehicles and other assets. It assists with financial protection from accident-related lawsuits, pays for accident related medical care, repairs to your vehicle, and can even protect you from repairs due to theft, vandalism, and natural disasters.
Above all, auto insurance helps you to feel secure and prepared for the unexpected.
What Affects Car Insurance Price?
Most of us are looking for a low price when it comes to auto insurance, so what factors determine our premiums? Take a look the following factors and tips on how to save:
What You Buy
When considering your premium, there are two things to consider first: How many coverages you buy, and the deductibles for those coverages. The more coverage and the lower the deductible, typically equates to a higher premium. “Safer” cars, or cars less susceptible to damage or occupant injury, can help to lower your premium as well. Some companies will offer a discount for insuring more than one vehicle, as well.
What You Drive
Anytime you buy or sell a car, you need to re-evaluate your insurance needs. Typically, a more expensive luxury cars costs more to ensure than a cheaper economy car. When shopping, consider how he vehicle will affect your premium.
Where You Drive
The neighborhood matters. People in urban areas tend to pay more due to higher rates of vandalism, theft, and accidents found in cities, rather than those in small towns and rural areas.
How Much You Drive
Do you commute long distances or use your vehicle for business purposes? You may pay a higher premium than those who drive less. Try different ways to lower the miles you drive such as car or van pooling, or other alternative forms of transportation. This could turn into savings on your automobile insurance.
Your Age, Sex, and Marital Status
Due to higher accident rates, all drivers under 25, especially young males and single males, may pay higher premiums. Be sure to ask your agent about discounts for good students.
Your Driving Record
Drivers who have been accident-free for several years generally save on their car insurance premium. Some companies may also offer an additional incentive in the form of a good-driving discount. Taking a driver’s safety course may also turn into savings on your premium. Be sure to ask your agent for more information.
Your Credit History
Studies how that credit history can be a powerful predictor of future insurance losses, so many insurance companies take certain credit characteristics into account when determining your premium.