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PostInsurance can be a service with one of the biggest expense tags in our monthly budgets. Unfortunately, this doesn’t seem to stop insurers from tacking on fees when they sell us policies. While some are impossible to dodge, you may have more of a say than you think in what your monthly payments are going...
Insurance can be a service with one of the biggest expense t...
PostInsurance Q&A: “What is a first dollar deductible?” You’ll need to pay close attention to this post. The term “first dollar” can mean more than one thing in the insurance world. One explanation is relatively straightforward and easy to understand. The other…not so much, and a lot of differing opinions materialize as to the exact...
Insurance Q&A: “What is a first dollar deductible?” ...
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PostThere are plenty of formal complaints filed each year against insurers from their clients who believe they got a raw deal after paying insurance premiums month after month, making them wonder what are the benefits of insurance and why does it exist if there are so many issues with insurance companies. This post reveals the...
There are plenty of formal complaints filed each year agains...
PostHow many times have you heard the phrase, “Call your local Allstate Agent,” or “Contact Progressive Direct today?” And what about the quintessential “Crazy Eddie” type independent agent who tells us “All insurance companies are stupid!” People looking for insurance should be seeking help from insurance professionals to make sure they’re getting the insurance coverage...
How many times have you heard the phrase, “Call your local...
PostInsurance is the universal expense that everyone hates to pay for. But when insurance saves us financially, everyone is infinitely grateful for it. Whether it’s a car accident, a house fire, or an unexpected medical emergency, insurance is there to help cover our assets through the perils of life – and even death. Because insurance...
Insurance is the universal expense that everyone hates to pa...
PostSimilar to how the broader economy shifts from expansion to recession, the insurance market has a cycle as well. There are two distinct periods of the cycle, known as the “hard” and “soft” markets. Much like other markets, they tend to cycle back and forth, and professionals who stay in the insurance industry long-term have...
Similar to how the broader economy shifts from expansion to ...
PostWhether you realize it or not, insurance premiums are not set in stone and can fluctuate from time to time. Of course, you can control some of this. For example, your auto insurance rates will go up if you get a traffic ticket or file a claim after an accident. Certain market trends and even...
Whether you realize it or not, insurance premiums are not se...
PostFarmers Insurance recently saluted itself in recognition of their University of Farmers, their frequently advertised insurance school, which took 1st place in Training magazine’s 11th annual Training Top 125 awards program. This all but forced us here at TTAI to take a closer look into the University of Farmers and give you the skinny on what it’s...
Farmers Insurance recently saluted itself in recognition of ...
PostThe Truth in a Nutshell: You can get auto insurance quotes in person, online, or over the phone A quote is not the same as a policy. Until you sign the contract, you do not have coverage. Getting multiple quotes is the best way to find the coverage you need. Insurance Q&A: “What is an...
The Truth in a Nutshell: You can get auto insurance quotes i...
PostInsurance Q&A: “Is insurance paid monthly or yearly?” The short answer is both. Just like anything else you pay money for, the purchase and payment of an insurance policy can be completed in various ways. Even though it may seem like monthly payments are the only available option, mostly because they’re advertised more aggressively, there...
Insurance Q&A: “Is insurance paid monthly or yearly?�...
PostIt is a fact that insurers share driver information, but how do insurance companies share information? Virtually every insurance company “subscribes” to a service and purchases reports that discuss an individual’s motor vehicle records and insurance claims history for pricing purposes. When you file a claim, even a small one, it’s registered in the claims...
It is a fact that insurers share driver information, but how...
PostInsurance broker fees can account for a decent chunk of your insurance budget. Insurance brokers charge insurance carriers for their services, and carriers build that commission into the premiums. Continue reading to learn about the different types of brokers and their fees. If you want to avoid broker fees, the best way is to compare...
Insurance broker fees can account for a decent chunk of your...
PostWhen you’re in the market for just about anything these days, you want excellent customer service from the company you’re working with. It doesn’t matter if you’re shopping for an insurance policy or a new pair of shoes; we have high expectations when it comes to the customer experience. With regards to the wide range...
When you’re in the market for just about anything thes...
PostInsured regularly disagree with the amount of insurance they are required to purchase for a piece of property. If you own your property outright, you can buy as little or as much coverage as you want. But it doesn’t make sense to buy coverage that’s above the actual value of your property. Property insurance policies...
Insured regularly disagree with the amount of insurance they...
PostThe “certificate of insurance” might be the biggest headache for commercial insurance companies, agents, and their insured. The headaches stem from general confusion about what exactly the insurance certificate means/demonstrates. And communication, or lack thereof, between insurers and companies who require certificates to be issued prior to work being done. What is a certificate of...
The “certificate of insurance” might be the biggest head...
PostBigger is better, right? Many of us choose to buy insurance from the largest insurers because it gives us piece of mind. We think they’re too big to fail. So we have confidence that they’ll be there when we need them. On a more immediate basis, companies with a wider market share can spread the...
Bigger is better, right? Many of us choose to buy insurance ...
PostWhat is a blanket policy? Blanket insurance policies allow an insured to “cover” (thus blanket) multiple pieces of property or multiple property locations with a single policy. The most common way to insure multiple properties or multiple locations is to list them separately, along with the amount of applicable insurance next to each on the...
What is a blanket policy? Blanket insurance policies allow a...
PostUltimately, insurance is designed to protect us from devastating financial losses we may suffer as a consequence of owning property and/or operating a vehicle. Millions of people pitch in their insurance premium dollars in exchange for a promise from the insurer to take money out of that pool to pay for the covered insurance...
Ultimately, insurance is designed to protect us from ...
PostDoesn’t it seem like your credit score affects almost every aspect of your life nowadays? If you feel this way, you’re not crazy. More and more insurance companies are looking at certain aspects of your financial history when deciding how much you charge for your insurance premium. How Do Insurance Companies Get My Credit Score?...
Doesn’t it seem like your credit score affects almost ever...
Post“Insurance claims adjusters,” frequently referred to as “claims adjusters,” are either your best friend…or your worst enemy; depending on whether or not you agree with their valuation of your property or liability claim. Generally, they follow valuation guidelines set by the insurer. Drivers have the right to talk to the adjuster and present information such...
“Insurance claims adjusters,” frequently referred to as ...
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