Author: AgentInsure

Health Insurance Coverage in Hillcrest Heights, MD

Posted on by AgentInsure

Nothing is more valuable than your health. In fact, it’s priceless. The implementation of the Affordable Care Act underscores the importance of health by mandating that all Americans — including those in Maryland — have health insurance that covers a minimum of care. Acquiring health insurance in Hillcrest Heights, Maryland is no longer as difficult as it once was; anyone can qualify for quality coverage at an affordable price.

If you are without health insurance or unhappy with your existing coverage, do not hesitate to call us for your free health insurance quote today. We are an independent insurance agency providing health coverage from Maryland’s leading insurance providers. We work for you — not the insurers. That means we are committed to your best interest and the needs of your family.

Our health plans cover a broad range of coverage and premiums, so there is sure to be a health plan that fits your family’s needs. We can offer high deductible plans with low premiums for families with minimal medical needs or more comprehensive plans for individuals who visit the doctor more frequently. We can even help young, healthy adults acquire low-cost coverage for major medical emergencies.

Affordable Health Insurance in Hillcrest Heights, MD

Our agents never want a family or individual to go without health insurance because of costs. If affordability is an issue for you, we encourage you to visit with us to find out how to lower your premiums without sacrificing the coverage you need. If you make less than 400 percent of the federal poverty limit, you may qualify for federal tax credit subsidies to help offset the cost of your family’s health insurance premiums.

For more information about health insurance coverage in Maryland, call us today. Our agents are standing by ready to assist you now.

How to qualify for best motorcycle insurance rates in MD?

Posted on by AgentInsure

Maryland drivers must insure all registered vehicles, including motorcycles. You need to get liability, uninsured and personal injury protection. Several factors determine how much you’ll pay for North Laurel, MD, motorcycle insurance coverage. So, You’ll need to take proactive steps to reduce your rates.

Maintain a Clean Driving Record

Accidents and tickets will cost you and cause your motorcycle insurance rates to go up. This includes incidents that occur while driving a car, not just your motorcycle. So, obey traffic rules and drive defensively. A clean driving record puts you in a low-risk category and might translate to lower premiums.

Leave The Dare Devil Bike In The Shop

If you get the fastest and most expensive bike, you’ll pay more premiums for that thrill. Smaller, or commuter bikes are less expensive to insure than powerhouse sports machines.

Get Older

There’s nothing you can do about your age, but as you get older, your premiums will get lower. Experience works the same way. The more experience you have riding your motorcycle, the lower your insurance rate will be.

Join A Club

If you join certain associations and clubs you might get discounts on your insurance premiums. This includes clubs such as the American Motorcyclist Association, the Harley Owners Group and the Motorcycle Safety Association.

Buy More Products From The Insurer

You might get lower premiums if you insure your bike with the same company that insures your car and your mortgage. Insurers reward customers who have several policies with them.

Take a Motorcycle Safety Course

Motorcycle safety courses help new riders learn road etiquette and bike handling skills. These courses also help experienced riders remember skills they may have forgotten or take for granted. Successfully completing a motorcycle safety course also might earn you discounts with some insurers.

Visit Mid Atlantic Insurance Financial today and compare quotes online. If you prefer, call our experienced agents so we can help you find affordable coverage for your motorcycle.

Factors that determine home insurance rates in MD

Posted on by AgentInsure

Home insurance rates in Maryland can vary widely depending upon a number of different factors. Although there are laws in place that prevent insurance companies from charging exorbitant rates to insure your home, different insurance companies can charge more or less for the same coverage.

One of the obvious factors that goes into determining your premium is the amount of coverage you buy. A house worth a $1,000,000 will cost more to insure than one worth $200,000. Your rates can also be affected by the size of the deductible you choose. A lower deductible usually equates to a higher premium.

The age and type of construction of your home will also factor into the amount you pay to have your home insured. Typically, more things go wrong with an older home than a newer home. A roof is more likely to fail. A pipe is more likely to leak or burst. Insurance companies charge a little more for older homes to cover the additional risk.

In addition to your home creating a greater risk because it is old, it can present more of a risk depending on whether it is made out of brick, concrete, or wood. Brick and concrete are less susceptible to fire damage than wood.

Where you live also matters. If you live in a safe neighborhood, with a low crime rate, there is less chance of theft or vandalism to your home than if you lived in a high-crime area. Living close to a fire station will be a point in your favor for keeping premiums down.

If you have a swimming pool, an aggressive breed of dog, or other unique risk factors, your home insurance rates may be higher. If you have a history of filing frequent claims, that will definitely raise a red flag and may cause a hike in your premium. Studies show that people with good credit scores are more responsible and file fewer claims. So, if you have a good credit score, you may be rewarded with lower rates.

South Laurel, MD Car Insurance Rates

Posted on by AgentInsure

You talk to your friends in South Laurel, MD and find out that they are paying significantly less for their car insurance than you do. While the geography of your primary home area does play a big part in figuring out how much your insurance rates are, there are plenty of other factors that go into your car insurance premium.

The first is what your driving record looks like. If you’ve been in a few at-fault accidents, you’re going to have a driving record that makes the insurance companies dive for their premium increase button. These accidents mar your premiums for some time, especially if you were going to switch over calendars,

Another fact that affects car insurance rates in Laurel, MD is the type of car that you’re trying to get covered. Not all cars are created equal when it comes to the insurance premium price, and it can cause a large difference for your monthly payment.

The insurance rate also defends on whether you have good credit or not. The credit worthiness of someone can not be completely determined by how they pay their car insurance bill, but it does help to keep an eye on it over all.

Auto insurance in South Laurel doesn’t have a one size fits all insurance option. Each person’s situation is unique and worth looking at to determine exactly how much you owe the insurance company every month. Insurance is a tricky prospect, so it’s useful to find out the prices and understand exactly what changes them on a day to day basis. This way, you know whether you’re getting a deal or getting ripped off.

Get Insurance Quotes from Mid Atlantic Insurance Agency

Posted on by AgentInsure

Finding insurance that is useful for your needs in Laurel, MD can be an important part of maintaining your peace of mind. The type of insurance policy that you want and the situation can impact your option. Fortunately, finding the right plan can be simpler than you might assume.

Learning About Your Options

Learning about your options is an important part of getting the coverage that you want or need. You should expect that the type of coverage that you have available will vary, so you will need to determine the plan that is required and the coverage that you want to purchase.

Insurance policies are designed for different situations and goals. Determine what you want to protect so that you can get the plan that is most appropriate for your needs and goals.

Comparing Quotes

When you have determine the coverage and type of plan that you need to purchase for your assets, compare insurance quotes to find the best rates for your situation.

The rates that are best can depend on the plan you want and the coverage that you need. Keep in mind that the policies that are the least expensive may not always be the best for your situation. Evaluate the coverage and the price to find the plan that is most appropriate. By comparing several options, you can get the best rate to address all of your concerns and goals.

You should always compare a variety of policies so that you can get the best rates. By working with an agency that focuses on helping you find the plan that is best for your needs and provides quotes from several insurer, you can get the protection that you require. To learn more about your options, contact us to talk to an agent.

What type of insurance coverage should I get for rented contractors’ equipment?

Posted on by AgentInsure

A lot of people don’t understand the policies that insure them, and this is particularly true of commercial enterprises. Business owners often get commercial insurance and assume that everything in their business is covered. While this is true of tools and buildings that the company owns, this is not true for rented equipment–that requires a different type of coverage.

The equipment that contractors use, items such as loaders, backhoes and bulldozers, is usually very expensive–often too expensive to buy. Unfortunately, when you rent this kind of equipment, you need a special type of coverage called a contractor’s equipment policy. This type of policy is designed to cover big, expensive equipment, but smaller hand tools can be grouped together and included in a policy, as well. Just the policy is not always enough to insure rented equipment, however–you will sometimes need to include a rider called a "rented and leased equipment rider." Sometimes it is included automatically with the policy, but sometimes you have to ask for it.

You may also have the option to purchase insurance directly from the rental company on a per-item basis. The advantage is that the coverage is tailored to the equipment you’re using for the exact time that you’re using, but the disadvantage is that the price is not always competitive with other insurers.

Renting and insuring contractors equipment can be complicated, but it is very important to make sure that the equipment is insured because it is so expensive to repair or replace. Before making a decision, you should contact us. As your independent agent, we can make sure that your rented equipment is properly covered and that you are getting the best possible rate.

Can I Designate Whomever I Want to be a Beneficiary on my Life Insurance Policy?

Posted on by AgentInsure

The rules for designating beneficiaries on a life insurance policy depend upon the situation and where you live. It is important that you speak with your insurance agent to better understand the laws in your area before you try to make any changes in your life insurance policy.

Generally, your spouse (if you are married) is considered to be the obvious beneficiary. If you want to name someone other than your spouse as the beneficiary of the policy, explain this to your insurance agent to get direction on how to do this most effectively.

Many people want to name their child or children as the recipient of their policy proceeds, but this can be complicated depending upon the ages of the children. If your children are minors, you will need to arrange for a trustee to manage the policy proceeds for your children until they are legally adults and can handle the money on their own.

If your policy is connected to a pension plan or is purchased through your job, you may be required to name your spouse as the recipient of the policy upon your death. This requirement can sometimes be waived, however. For example, if you want to name your nephew as the recipient of the policy you could potentially have your spouse sign papers stating that they are aware of this, and you could then make your nephew the recipient legally.

In most cases, you may be able to name the person or persons of your choice as the recipient of your policy upon your death. However, it all depends upon the individual situation and it is imperative that you work together with your agent to make the best decision for you and your beneficiaries.

My business isn’t safe to keep open because of the damage from the burglary. What should I do?

Posted on by AgentInsure

A burglary is a problem that impacts small businesses every year. Depending on the extent of the damages and the thefts that took place, the solutions that are most appropriate for your business may vary.

Contact the Police

After you discover a burglary, contact the police and make a formal report. Do not stay in the building. Allow the police to check that the burglar has already left so that you are not taking any risks.

You will need to keep your small business closed for the day to avoid any potential accidents or injuries. Even if the damages seem limited, it is best to avoid further complications by opening up the company when the property has been damaged.

Contact Your Insurer

Make a claim with your business insurance policy. The claims process may require that you provide proof of the burglary and the damages. You can send a copy of the police report as well as any photographic evidence of the damages to the building.

Keep in mind that your coverage may vary, so the details of your plan and the limitations on your claim may depend on the situation and the total coverage that you have purchased. The insurer may send out a professional to evaluate the damages and provide an estimate repair cost before you are able to move forward. Your coverage can impact the total amount that your insurer will allow you to claim.

A burglary is a problem, but it is best to stay calm and carefully evaluate your situation before you panic. Make a formal police report and then contact your insurer so that you can rebuild and start fresh. Contact us to speak to an agent for more details.

When I buy an additional car or replace a car, does my policy automatically cover it?

Posted on by AgentInsure

A big worry among many car buyers is that brief period when their vehicle is not covered under any insurance. This could potentially happen if you’ve purchased a second or third car or if you’ve just completed a vehicle trade. In the event that something does happen, being caught without insurance could expose you to financial liabilities, in addition to leaving you on the hook for any vehicle repairs.

In many cases, your insurance policy may automatically provide coverage if you purchase an additional vehicle or replace an existing vehicle. Such automatic insurance is meant to be temporary, giving you time to arrange for proper insurance with the best available options.

Any vehicle you’ve purchased will automatically receive the same insurance as the vehicle with the broadest insurance on your current policy. That means if your first car has liability insurance while your second car has liability, collision and comprehensive, any additional vehicle you purchase will automatically be covered the same as the second car, since it’s the broadest insurance available.

Meanwhile, any replacement vehicle you purchase will have the same coverage as the vehicle it replaces. For instance, if you use an older vehicle that’s covered only with liability insurance as a trade-in, the new car will automatically have liability insurance.

Most auto insurance providers require that you notify them as soon as you have purchased an additional car or if you replaced an existing vehicle, usually within a specific number of days. It’s a good idea to get in touch with us to speak to an independent agent, who can then help you secure the best available insurance for your unique motoring needs.

Is double indemnity a standard provision of all life insurance policies?

Posted on by AgentInsure

The coverage you have in any insurance plan does depend on the company that issues the protection. A double indemnity provision may be included on some life policies or added as extra coverage on others. To determine if this feature would be beneficial to you, you first need to understand what the provision means.

What is Double Indemnity?

A standard policy provides a certain amount of financial protection when the insured dies from almost any cause. Some activities may be excluded and suicide is normally not covered for two years, or longer, from the date the coverage is issued.

The double rider provides twice the amount of coverage if the insured dies due to a covered accident. For example, if you have $50,000 in coverage as a standard plan and were to be killed in an auto accident, your beneficiaries would receive $100,000.

Accidental death policies are normally much lower in cost than whole or term life policies. The coverage in an accidental death plan is restrictive. This also makes adding the additional rider to a regular plan a low cost option.

Some insurers also offer a triple protection rider. Examine your risks of an accidental death. While this can happen to anyone, certain lifestyles or hobbies could make you more prone to accidents.

If you have any questions about your life insurance policy in Maryland, get in touch with us. As an independent agent, we offer the ability to compare quotes from a variety of carriers online. This allows you to choose the policy that meets your unique needs. You can also purchase additional protection on a temporary basis, similar to a term plan.