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Choosing the best vehicle for your teen driver

We get a ton of questions from parents when they are choosing a vehicle for their teen drivers.  Here is some of the advice we give to our clients Choose a vehicle that will not require collision and comprehensive.  The physical damage portion of the automobile policy can be expensive so by choosing a vehicle that you don't have to fully cover you avoid paying those rates.  Pay special attention to vehicles that have large blind spots  Some ...

Choosing a Deductible That's Right for You

Choosing a Deductible That's Right for You    One of the most common questions I get is “Travis what deductible should I choose for my home and auto insurance?”. I suggest starting at $500 and then looking at the next higher and lower options. Next, apply my “financial sense test” in the example below.   (good deductible change example) My Homeowners Insurance premium is $1500 per year with $500 deductible. If I increase my deductible to $1000.00, the new homeowners premium is $1250 per year. Then apply this logic. ...

TN's New Auto Insurance Verification System

Tennessee's new Auto Insurance Verification system is now in full swing. So how does an Auto Insurance Electronic Verification System work?  The system is designed to match a vehicles registration information against the auto insurance policy information that insurance carrier provides. Essentially if you own a vehicle the state is now checking to make sure that you have it covered under an insurance policy.   What happens if you don’t have auto insurance? Based on what I have read it looks like the ...