Author: AgentInsure

How Important is Commercial Insurance in Charlotte, NC ?

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Your business couldn’t be doing better, but you have an unfortunate situation where someone tripped and fell in your retail storefront. You don’t think it’s the biggest deal in the world at first, but they sue and you didn’t look into liability coverage for your business. Instead of putting all of your energy into your business, you’re in court day in and day out, looking at mounting legal expenses as you attempt to defend yourself in court and reach a fair settlement. You can avoid the massive financial hit that comes from lawsuits by looking into NC commercial insurance.

While liability is the primary reason to pick up commercial insurance, the benefits don’t end there. You can also get protection for situations that result in you being unable to conduct business normally, due to damage to your property or essential equipment. This is called loss of use insurance, and it helps to get you past unexpected disasters without having to shut your doors.

Another type of beneficial NC commercial insurance policy involves providing your vehicles with commercial coverage. This ups your coverage limits and protects any business equipment contained within the vehicles, instead of dealing with much lower limits on personal auto insurance policies. If you use many vehicles for your business, you can bring down the cost even further with fleet insurance.

Commercial insurance is designed to protect the business against any major problems that would blindside someone without financial protection. Talk to our independent agents in Charlotte, North Carolina to find out what NC commercial insurance options are appropriate for your business, budget, and way of life.

Car Insurance Agents in Mooresville, NC

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Purchasing car insurance probably isn’t the highlight of your week, but it doesn’t have to be a headache. For residents of Mooresville, NC and the surrounding area, the process might be simpler than you’d expect.

Take the time to stop here and get a live price comparison from some of the top insurance companies, then go from there. Our experienced independent insurance agents would love to talk to you about your coverage options to help you find the best deal. These are some of our top tips to help you save.

1. Don’t settle for minimum coverage.

It might seem illogical to pay more per month for extra coverage, but purchasing insurance beyond required NC liability is really a smart investment that can save you from financial disaster in case of an accident.

2. Know your options.

The following are the most common types of additional protection North Carolina drivers choose to protect their vehicles and the drivers in their family.

  • Uninsured/Underinsured Motorist: Protects you if you’re hit by a driver without adequate insurance to cover your property damage or medical expenses.
  • Collision Coverage: Pays for damage to your own property (up to the limits specified by your policy) and for personal injury damages. Minimum liability coverage generally only covers those risks to other drivers with whom you’re involved in an accident.
  • Comprehensive Coverage: Pays for damage to your vehicle that’s not related to an auto accident. Examples include wind or hail damage, vandalism, or theft of your vehicle or personal property inside your vehicle.

3. Read through your policy before signing.

Before you decide on a policy, talk to one of our agents about exactly what it does and doesn’t cover. Make sure you know what your deductibles are, and don’t agree to a deductible higher than you could reasonably pay if you were in an accident. Our agents will take the time to talk to you to make sure you understand what is and isn’t covered, so take advantage of that before you commit to an insurance purchase.

Best Way to Shop for Auto Insurance in Monroe, NC

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Car insurance is one of those things that gives back pretty much what you put into it. If you're living in Monroe, NC and you purchase the state minimum insurance you need to be legal, meaning liability coverage for bodily injury and property damage, you'll stay out of trouble with the law, but you may be really disappointed if you're in an accident and there's no coverage to pay for your own damages. Maybe you're leasing your car or took out a new car loan to get it and your finance company requires you to get comprehensive and collision insurance. This is better, but it still doesn't help you if you need roadside assistance or a rental car. Only you can decide exactly what coverage is right for you, but it may be helpful to contact an agent to explain the options that are available.

Whatever type of insurance you decide to get, you'll find that a little time invested to find the right policy, the right agent, and the best price can pay huge dividends. The dollar amount of coverage you need is based on the value of your car and the amount of personal risk you're willing to take on. Another choice you'll have to make is the amount of the deductible you want to have. The higher your deductible is, the lower your payment will be, but the more you will have to pay out of pocket when you make a claim. Maybe you can decide on what you need for yourself, but these are also things you can discuss with an agent.

When looking for an agent in Monroe, we hope that we will be your first and last stop. We will help you to shop for auto insurance by answering your questions, helping you to choose deductibles, coverage amounts and types of coverage. You can also compare live quotes on auto insurance right on our website.

 

 

Get Online Life Insurance Quotes in Rock Hill, SC

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No one requires you to have life insurance, but what would happen if you were suddenly killed in a work-related accident? Would your partner, kids or other dependents have enough income each month so that they could maintain their current standard of living? For most people, the answer is a simple "no." While it’s not that people don’t care about what happens to their loved ones, many don’t realize just how easy it is to get life insurance quotes from a trusted insurance agency.

Our team is proud to serve the Rock Hill, SC community and help people understand why they need life insurance. When you have life insurance in place, it’s one less "what if" that you will worry about. If you follow the general rule of thumb to have a minimum of 10 times your income in insurance, as long as your family uses the money wisely, they should be able to stay on their feet financially and not have to take on extra jobs while they’re grieving.

Once you get a few life insurance quotes you’ll see just how affordable a policy is. You may have to change your budget around for awhile, but switching to brown-bagging your lunch twice a week is a small price to pay for the peace of mind you’ll have when the insurance is in place.

It’s easy to find the best life insurance policy for your needs when you work with our team. As a Rock Hill, SC based insurance agency, we are always here to help our fellow community members by answering your questions, offering advice on which policy is best for your current place in life and we can give you life insurance quotes in just minutes. Contact us today to learn more!

Best Auto Insurance agents in Indian Trail, NC

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Getting the insurance policy that you need for your car in Indian Trail, NC can be an important part of avoiding any unnecessary hassles or concerns. The plan that is best for your goals and your budget can be easy to find when an agent is offering information and advice about your options.

Determining Your Requirements

Your requirements can differ significantly from the state standards, which only require liability protection on every vehicle. You may want to purchase a plan that protects your personal vehicle or that will pay for any injuries that occur, regardless of the expense associated with the medical bills.

By evaluating your concerns, you can determine that coverage that you need to feel confident in a particular policy. Compare several options before you determine that a particular plan is appropriate so that you can address every problem that you have identified as a concern.

Getting Assistance from an Agent

The best insurance agents for auto coverage are professionals who will provide information that you need, quotes from the top insurance providers in the area and advice to help you make a final decision based on the details that you have provided and the concerns that you want to address.

Agents offer a few key services that help you find policies that are appropriate. Furthermore, you can ask any question that arises so that you are making the best choice and you can gain assistance if you need to make a claim in the future.

Getting a plan that is appropriate for your car can seem complicated, especially if you are still trying to determine the coverage that is appropriate, but there are options to help you find the best plan. To learn more about your options, contact us to talk to an agent today.

Important factor when considering boat insurance in NC

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North Carolina is a wonderland for boating, whether you enjoy going on the endless lakes, rivers, and streams that dot the state, or you want to head to the Atlantic Ocean and avail yourself of all the ocean front you can get your boat to. Boat insurance is not required in North Carolina, but it is highly recommended when you consider all of the benefits that come from holding it.

The first is that if you have an expensive boat, you’re not going to want to pay out of pocket for repairs. This is especially true if someone else hits your boat with their boat, jetski, or other water vehicle. It’s likely they don’t have insurance, so you are going to have to deal with the medical bills and property damage yourself.

Another thing to keep in mind is what happens if your boat gets damaged while it’s in storage. While you may think that either auto insurance or homeowners insurance will keep you safe, it’s just as likely that the insurance companies may refuse to pay for damages to the boat while it’s on the property. You can get around this by keeping your boat docked at a marina, which holds its own insurance, but it’s better to be in control of what happens if your boat gets damaged or is involved in an accident.

Get free online boat insurance quotes for the Matthews, NC area from independent agents who work hard to get you the best insurance pricing around. They work with multiple insurance companies, so you get several quotes and coverage options that give you plenty of choices.

Benefits of RV insurance in Huntersville, NC

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Your RV coverage in Huntersville, NC is multi-faceted and will provide protection for nearly all circumstances in which your Recreational Vehicle might be damaged or destroyed. This article will tell you more about the benefits of RV coverage through your local independent agent.

  • Protection of Personal Belongings: This coverage amount can be determined on an individual basis so that all of your personal belongings are insured for their full purchase price. Keep a record of what you pay for new items in your Recreational Vehicle and always make sure that the new items are covered within the total amount of coverage you have purchased. You can always purchase additional coverage if needed.
  • Protection of the RV: If your RV is stolen and cannot be recovered, your RV coverage will be there to pay for a replacement vehicle. Most policies will pay for a comparable RV to replace the one you lost.
  • One Insurance Policy For All Vehicles: If you insure your RV through the same company that provides your auto insurance, you will typically be eligible for a multi vehicle discount that will give you a percentage off the total cost. You also have the advantage of paying one single bill for all your vehicle insurance every month.
  • Storage Option: Another unique benefit of RV insurance is the storage option. Since many people use their RVs for only part of the year, your insurance company will typically provide a storage option that allows you to temporarily suspend your coverage when you’re not on the road. You can start it up again seamlessly when you’re ready to get behind the wheel again.

It’s easy to find the best RV insurance coverage for your budget by comparing insurance quotes with JC Demo Insurance Group online in minutes. Check out our website or give us a call anytime!

Importance of renters insurance in North Carolina

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Renters in North Carolina need to maintain a renters insurance policy to protect their personal property. This insurance also provides other forms of protection that can prove very beneficial. Take a look at why this insurance is important and the other features it can offer.

The building owner’s insurance does not cover you

Whether you rent an apartment or a home, the owner’s insurance covers damages to the building. Your personal property is not covered. If a fire destroyed your apartment, your possessions would not be covered.

Benefits of rental insurance

When you purchase your own policy, your possessions are covered under the policy for any events included in the policy. Most policies also include theft protection. Because you are not paying for insurance to repair or replace the building itself, this insurance is normally very inexpensive.

Rental policies are also available with liability protection. Depending on the coverage you choose, you can be protected from a variety of liability issues. If a guest in your home is injured, you can add insurance to protect yourself from claims. You can also purchase liability protection to cover any damages you may cause to your rental unit.

Many policies also provide relocation protection in the event that your unit is so badly damaged that you cannot remain in it. While all policies differ, coverage may include moving expenses and temporary living expenses while you find a new residence. Remember to check your policy to see what events are covered and what financial limits are in place.

JC Demo Insurance Group is your independent agency in North Carolina. You can use our site to compare insurance quotes online at your convenience. You can also contact us to get answers to your questions about your renters insurance policy. Talk to an independent insurance agent today.

How do I add more people on my motorbike insurance policy?

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Finding the right motorbike insurance for your motorcycle in Charlotte, NC may be a simple task, but there are times when you will want to make adjustments to your policy. When you want to add a member of your household to your policy or when your life situation changes and you may allow another individual to ride your motorcycle, it is usually best to contact your insurer to make the changes that you need.

Evaluate Your Policy

Before you assume that you can add another individual to your current policy, read the details on your plan. Although most insurers will allow you to add a few individuals, there may be limitations on the number of people that can be covered under a single policy. Make sure that your insurer does not have any limitations or requirements before you assume that you can add the person.

Contact the Insurance Provider

Call the customer service number and talk to a representative of the company. Explain the situation and ask to add the other individual to your plan. You may be required to provide a motorcycle license before the individual is added. If your life situation has changed, then you may need to provide proof of the change like a marriage certificate or other official documents.

The insurer may be able to add the other individual to your policy without further documentation as long as you provide a license number to prove that the individual can ride a motorcycle.

There are times when you will want to make adjustments to your motorcycle policy to fit with changes in your life. In many cases, you can handle the changes over the phone or you may want to look for a new policy. Contact us to talk to an agent for more information.

How does an insurance company determine the value of my car?

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An accident or a situation that causes damage to your car that is covered by your insurance policy can seem complicated, but the insurance company will usually have a set method of determining the value of the vehicle. Although there may be some room for negotiation if you feel that the amount is too low based on the current cost of the car, you should take time to research the possible value before determining that it is not appropriate or fair.

Cost of the Car

A key factor that your insurance provider will consider is the current cost of the car. The market value can change over time, so the cost of the vehicle can be a starting point.

This is generally true when the vehicle is still relatively new, such as a car that you purchased a month or two in the past. The insurer may use the current price and then calculate the depreciation rates based on the vehicle and the situation to determine a fair amount after determining that the car is a total loss.

Market Value

In the case of cars that are older and have been on the market long enough to determine the cost based on the market value, the insurer may use a guide to determine the fair market value of the car.

Depreciation rates can vary based on several factors, including re-sale value. Guides provide information regarding the current market value, which is then used to determine the value of the car. The current market value may be less than that price that you paid to purchase the vehicle.

Determining the value of your car can be complicated, but there are ways to evaluate the amount that you can expect. To learn more, contact us to talk to an agent today.