Ricky Wells

  • Car Insurance Premium Went Up? What You Can Do To Get It Back In Line

    Your automobile insurance rate can sometimes go up without warning. Maybe you got a speeding ticket some time back and it finally popped up when your insurer ran a random motor vehicle report (MVR.) Or you added your teenager to the policy because they obtained their driver's license and the price increased due to their inexperience. However it happened, you need to find ways to bring your rate back down to an affordable level.
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  • Coverage Options For Home Businesses

    If you have a home business, you should not assume that your home insurance policy can help with your business losses. Home insurance excludes business-related losses. You need coverage specifically for your home business. Below are three major insurance options you can use to secure your home business. Home Insurance Endorsement Some home insurance carriers will provide coverage to your business equipment at a small additional fee. This is called an endorsement.
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  • Auto Insurance: 3 Tips To Purchase An Affordable Policy For Your Teen

    Due to the fact that teenagers are inexperienced on the road, they are at a higher risk of being involved in auto accidents than other age groups. As a result, it can be expensive to add a teenager to an auto insurance policy. To ensure that you get the most adequate coverage for the most affordable price, here are three things that you should take into consideration when you have a teen reaching driving age.
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  • Auto Insurance 101: Understanding Coverage Types

    When you shop for auto insurance services, there's a lot of coverage terminology that gets thrown around and that can be a little confusing. By having a better understanding of the most common types of auto insurance and what they actually mean, you'll make informed decisions as you put together your ideal policy. State-Minimum Coverage Each state sets its own laws regarding how much coverage drivers must carry in order to operate a motor vehicle within the state in which they're registered.
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  • Potential Sources Of Home Insurance Discounts

    Many people don't understand home insurance discounts as well as they do car insurance discounts. This is unfortunate because there are dozens of ways you can enjoy discounts and effectively reduce your home insurance payments. Below are some of the ways to enjoy these discounts. Home Improvement Any improvement that makes your home stronger or more durable is welcome news to the insurance company. Such improvements reduce the risk your home poses to the insurance company.
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  • The Liability Component Of Renters' Insurance: What You Need To Know

    If you rent a home, condo, or apartment, one way to help protect your household is by purchasing a renters' insurance policy. Most individuals know that renters' insurance will protect their belongings in the event of a fire, theft, or other mishap, but your policy also includes liability coverage. The liability component of your policy extends financial protection for incidents where someone is hurt or incurs damages on your property. Here are a few details you should know about the liability component of renters' insurance.
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  • Why You Need SR-22 Coverage If You Do Not Have A Car Or License

    SR-22 insurance is often referred to as high-risk insurance; however, there are many high-risk drivers who do not need this type of coverage. This form of coverage is only needed in certain situations, and it is often the result of getting charged with a DUI or some other type of major driving offense. If you receive news that you must get this type of coverage, you should understand that you will need to buy a policy even if you currently do not have a car or a license, and here are a few things to understand about this.
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  • How To Make Sure That Your Homeowner's Insurance Policy Doesn't Get Canceled

    Sure, if you miss some payments, you could find that your homeowner's insurance policy gets canceled. However, there are other things that could cause you to lose your insurance policy on your home. If that happens, you might find that the next company that works with you may charge more for the same amount of coverage if they consider you to be a high-risk customer due to your previous cancellation. Therefore, you will want to make sure that you are spending a little time reviewing the following tips.
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  • 3 Effective Ways Truckers Can Save On Commercial Trucking Insurance

    If you drive a semitruck for a particular business, then it's absolutely essential to get commercial truck insurance. It helps take care of costs in case you're involved in any accident. So that you don't have to spend a fortune on this type of insurance policy every month, remember these money-saving strategies.  Shop Around  Different insurance providers typically charge different rates for their commercial trucking insurance policies. That being said, you need to compare the rates of different companies so that you end up with a policy that works for your budget perfectly.
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  • Independent Insurance Company Operation: Building The Business

    As an independent insurance agency owner, you may hope to insure under-served markets or have unique ideas about how to insure those in your community. However, because you're a new business entity, challenges aren't uncommon. How can your independent agency prosper? Join an Agency Network One reason independent agents have such a difficult time is that large insurance carriers refuse to work with new, freelance agents. There are sometimes requirements you'll be unable to meet on your own.
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