With the rising cost of health care, court costs, and body shop repairs are the big reasons why you will not see a reduction in your auto insurance premiums. Other factors will be, speeding ticktets or accidents.

While we are in uncertain economic times, gap insurance can help you pay your loan off  if you have a total loss. Your loan amount can be higher if the Used Car market goes down causing the value of your car to decrease.

If you have the ability to come up with higher deductibles in a time of a lost, you will save money in the long run with higher deductibles. If it will be a challenge for you to come up with higher deductibles, then pay the additional premium to have lower deducitbles.

Total Loss means the repairs of the car are greater then what the market value of the car is at the time of the loss.

You should carry enough liability to cover your net worth. If you have additional exposures such as: young drivers, swimming pools, dogs, lake or pond in your back yard, additional liability insurance makes sense.

Cost of material and labor continue to rise, as market values fluctuate depending where you live.

Flood insurance is ground water that sweeps into the foundation of the home. Lightening, Windstorm, Hail did not cause the damage as this is covered by your home insurance.

Water that backs up through a sewer drain, water drain, sump pump pit, or bathroom stool.

These exposures will bring additional risk.

Insurance Industry pays out millions of dollars every year on dog bites. Certain breeds of dogs are considered a liability risk. Please check with your carrier to see if your dog is covered today.