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Articles Showing articles related to: Seth Zaremba, Zinc Insurance

An umbrella policy protects your wealth

Here’s the scenario: You have a car accident and you’re at fault. Several other drivers are involved and their vehicles are significantly damaged. You suffer injuries, they suffer injuries, and everyone, including you, is looking to your insurance company to pay up. Your limit of liability tops out at $250,000, but the claims go...

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Premium vs. Commission: It’s no contest

How exactly do insurance agents make money? The answer is simple: commission. So is commission part of the price you pay? A number of factors determine cost, but your agent’s commission isn’t one of them. Keep in mind, when you shop for a lower rate, you’ll get a different quality coverage. Pay attention to how a less...

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Spoiler alert on insurance claims

Many people are afraid to use their insurance because they think their rates will skyrocket. Others lean on their policy often, like a crutch. What both groups of people have in common is they’re probably not leaning on their insurance agent to help them decide if they should submit a claim—or not. Because we’re on the...

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What's your insurance limit?

Do you know what your insurance limit is? That’s okay, most people don’t. An insurance limit is the amount of money an insurance company will pay out on your auto insurance if you get into an accident. It’s their limit of liability. When people shop for auto insurance, what they’re really buying is a limit. Typically, the...

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The lure of a low deductible is tempting, but should you bite?

A quick note on low or vanishing deductibles…don’t bite. Many insurance companies market low deductibles as a benefit to you. The truth is, the insurance companies benefit.  With a low deductible, you pay a higher rate for something that may never happen. I’d like to suggest you instead have a deductible strategy, one that benefits you...

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