How to Get the Right Independent Insurance Agent

Family Life InsuranceGetting insurance and coverage for you and your family is a vital step toward living a fun, peaceful and carefree life. Looking for the right independent insurance agent is another story, though, as you would have to make sure to find one who can offer you the right insurance for you and your family’s needs.

On that note, check out these tips on how to find the right independent insurance agent.

1. Ask people for referrals.

The best thing you could do is ask your friends and relatives about their own agents. They most probably have insurance and coverage, so it would be wise to ask them about it.

Ask if their agent was able to give them the coverage they need and if the agent’s service met or even exceeded their expectations. If they are happy with the agent, then give that agent a call and ask to meet them in person so you can ask them some questions.

2. Give their website a try.

If you already have someone in mind, then go ahead and visit their website. Look for testimonials regarding their work, so you would know what to expect. You might also want to read about their history and the staff’s bio. This will give you hindsight of how they work and what their products are.

3. Talk to them in person.

The best way to know if a certain agent is the right one for you is to interview them in person. Ask them the right questions to see if they really know what they are selling.

Ask how long they have been in the industry and how many clients they have had in the past. You also want to make sure that their personalities mesh with yours, so you can easily talk to them and ask them questions if ever the need arises.

Always do your research and never settle for less — besides, it’s your future we are talking about here.

Why You Shouldn’t Be Without an Auto Insurance Coverage

a man driving a carWithout insurance coverage, getting into a car accident can ruin your life, says Oxford Auto Insurance, Aurora’s most trusted auto insurance provider. Just think about it. Depending on the severity of the accident, the damage could be extensive. If you cause an accident, you’re responsible for the costs associated with it.

These costs associated with an accident can be massive. There are legal fees, compensation for loss of income, and medical expenses for the injured. Without liability coverage, you would have to meet these costs out of your own pocket.

Other than safeguarding your finances, having an insurance cover is crucial when getting behind the wheel.

Satisfying loan requirement

If you wish to finance your car, you must have a collision cover to be eligible for the loan. Most lenders require it. Collision insurance pays for the repairs if the car incurs damage in an accident with an object such as a light post or another car.

In case the car is totaled after such an accident, the collision cover pays for the replacement. The cover will cater for the repairs or the damages that result in a single car accident such as rolling or falling over.

Peace of mind

A lot could happen when you’re on the road, and having an insurance coverage gives you the peace of mind in case of any misfortune. Aside from an accident, the car could be vandalized, damaged by an animal, or by a natural disaster.

In such instances, repairing the car could set you back thousands of dollars in out-of-pocket expenses. Considering that insurance premiums amount to several hundred dollars spread over an entire year, the savings can be massive.

In the event that someone steals your car, your insurer may replace it for you at no additional costs savings for the deductible.

Having insurance coverage is an essential component of great motoring experience. It is a sure way to ensure that you get back on the road after an incident without ruining your finances.

SR22: What Is It and Do All Illinois Drivers Need It?

foot pressing the brake pedal of a carInsuring yourself as a driver in Illinois may not be that simple. It’s not enough you have the standard policy. You also have to secure an uninsured insurance. It’s a coverage that protects you in case the offending party doesn’t have a policy. You also have the option to get an underinsured coverage. It may be necessary if the at-fault driver has insufficient coverage.

But do you know you may also need an SR22? If you haven’t heard about it yet, then today you’ll learn the basics.

What is SR22?

SR22 is proof of financial responsibility. It’s a legal document that says you’ve met the required minimum liability of the state. It’s not a type of insurance but rather a certificate. There are two types of these: operator’s certificate and owner’s certificate.

Not everyone needs to have this form. It’s necessary for high-risk motorists. These are individuals who have a bad driving history record. It could be driving under the influence or driving with an expired license. It’s also required for drivers who have met an accident and didn’t pay the other party or those whose license had been suspended before.

You can apply this form on your own, or you can get help from Oxford Auto Insurance. The website can connect you to insurers that can give you the proof as soon as possible. This way, you don’t need to wait a long time before you can drive.

What is the minimum liability requirement?

According to the state law, your minimum liability requirement for bodily injury is $25,000 per person. It is $50,000 per accident. The coverage for property damage is $20,000. If you have either an uninsured or underinsured policy (or both), the minimum is similar to that of the standard. That’s $25,000 for bodily injury per person and $50,000 for bodily injury per accident.

How do you use the certificate?

You need to bring the certificate with you anywhere you go. Moreover, it’s your responsibility to renew it before it expires. This document remains valid for around three years.

If you’re unsure if you need one, don’t be afraid to ask for a professional opinion from your insurer. It’s always better to get one than assume you don’t need to have it. The latter can get you into more trouble.