Category: Auto Insurance

Recognizing the Need for Commercial Auto Insurance

Not all business owners need commercial auto insurance. However, it’s crucial to identify the key indicators that signal it’s time to switch to a commercial policy. State law makes it mandatory to always have the appropriate type of auto insurance coverage.

Commercial Auto Insurance vs. Personal Auto Insurance

While basic commercial and personal policies offer the same fundamental coverage like liability coverage, property damage, and medical benefits, there’s a crucial difference. Your insurance agency won’t pay out compensation if you have personal insurance but use the vehicle for commercial activities. Commuting to work does not count as commercial vehicle use, but transporting items for sale or visiting potential customers does. Also, you need a commercial policy if an employee drives your vehicle.

Along with the basic coverage, you might want to consider additional policies. Comprehensive coverage compensates if your vehicle is stolen, vandalized, or damaged in a flood or fire. Other policies cover roadside assistance if your car breaks down on the road. Nevertheless, these types of insurance won’t cover business assets inside your vehicle. For this, you’ll need commercial property insurance.

Seek Expert Advice from Land Home Insurance Services

Investing in the right commercial insurance policies can potentially save your business a substantial amount of money. Land Home Insurance Services specializes in assisting business owners and entrepreneurs navigate coverage options. We simplify the process of understanding your choices and selecting the best insurance policies tailored to your business needs. Contact us for more details or to request an insurance quote.

Safe drivers share common traits and habits, but there’s also a shared secret among them – a safety net for those unexpected moments. It’s about obeying traffic laws and regulations and preparing for unpredictability with auto insurance. If you’re seeking such security, the experienced Land Home Insurance Services team is here to help.

Insurance: A Must-have for Safe Drivers

The qualities of a safe driver include constant alertness, frequent mirror checks, and vigilance for other vehicles, cyclists, and pedestrians. Yet, safe practices alone can’t protect you from all dangers, such as those posed by road rage incidents or distracted drivers. The strategy for safe drivers is twofold: implement safe practices to minimize accidents and have insurance coverage to soften the blow when mishaps do happen.

Safe driving reduces the risk of accidents, but it certainly doesn’t provide a guarantee against them. Auto insurance is your first line of defense against the financial fallout from accidents, damages, and other unexpected expenses.

Complete Your Safety Measures with Auto Insurance

Do you have questions about auto insurance? Are you looking to switch policies or insure a new vehicle? Turn to the knowledgeable team at Land Home Insurance Services. Contact us to learn more and get the protection that safe drivers need and deserve.

Do you find yourself scratching your head when it comes to trying to choose the best auto insurance policy? The professionals at Land Home Insurance Services can help you unravel the mystery of auto insurance and choose the best policy for you and your family. 

Auto Insurance: Tips and Tricks

Know Your Coverage Options

Many drivers aren’t aware of the fact that your driving history can severely impact your auto insurance coverage options. For example, a driver with no accidents, tickets, or lapses in insurance coverage will likely have more coverage options than a driver with several accidents, moving violations, and frequent lapses in insurance. 

Bundling Your Insurance Policy Can Save You Money

Did you know that many insurance companies offer special "bundled" rates for customers who have multiple types of insurance? Options for bundled coverage often include other insurance types such as life insurance, renters insurance, home insurance, commercial insurance, or umbrella insurance. 

Talk to an auto insurance expert at Land Home Insurance Services to learn about bundling your insurance policies to save time and money. 

Choose Your Deductible Wisely

Most auto insurance policies offer different levels of insurance coverage based on the deductible you choose. Drivers who have infrequent accidents and other drivers may want to consider choosing a higher deductible to get a better rate. 

Auto Insurance Near Me 

When you’re ready to take the next step and get auto insurance, talk to the knowledgeable insurance team at Land Home Insurance Services. Our licensed insurance agents can answer your questions about choosing the best auto insurance policy, bundling your auto insurance with home insurance or other insurance, and provide you with a free quote.

Contact the experts at Land Home Insurance Services and get a free quote today! 

Is it time for you to reconsider your auto insurance policy?

It’s generally recommended that you shop around for auto insurance every year or so, especially because rates often change depending on a variety of factors.

At Land Home Insurance Services, we’re committed to helping you find the best way forward when it comes to auto insurance. We are here to answer any questions you might have regarding your auto insurance policy, and what options you have for changing your rates.

Auto Insurance Policy: Factors to Consider

You may want to reconsider or otherwise revisit your auto insurance policy if it has been longer than six to twelve months since you last checked in with it.

Auto policy rates can shift over time based on factors like your commute, your neighborhood, and various other data points, so it’s good to check in every so often to see if these other factors have substantially affected your policy. This also applies when something major changes in your own life, such as moving, or changing jobs.

Give Us A Call

Contact us today at Land Home Insurance Services and we’ll help guide you through the sometimes-messy world of revisiting your auto insurance policy.

We are committed to helping you find the best rates and policy for your needs. You shouldn’t be saddled with a policy that’s no longer right for you or your family. Having your auto policy up-to-date is a huge thing to take off your to-do list, and having everything in order on the policy side can give you some much-needed peace of mind.