5 Reasons to Choose an Independent Insurance Agent Instead of Buying Insurance Online
Trust the experts, your local independent insurance agents. You look for insurance once, then you’re bombarded with digital ads everywhere you go online. These marketing messages promise a quick purchase and a rock-bottom price. When you start your search with an independent insurance agent, you connect with an expert, an advocate, and a great general […]
5 Benefits of Dash Cams
Dashboard cameras—have you seen them in cars? Cameras mounted to the dashboard are not just in police cars anymore. A camera that records sounds and images both outside and inside your car can have several benefits, including: Proof of an accident. A video record can help prove you were not responsible for an accident or […]
How to Avoid Distracted Driving
3 Tips for Keeping Your Eyes on the Road in a Digital World Forty-eight states have banned texting while driving, yet distracted driving is listed as a probable cause for an increase in the number of collisions each year. The following steps are potential safeguards for you to consider while driving: Put Your Phone in […]
My child just got a drivers permit…do we need to add him/her to our auto insurance?
Not yet! While most auto insurance companies would prefer to have information on any potential new driver ahead of time, some as early as age 14…..we don’t actually need to add / rate for them on the auto policy until they are licensed. Once licensed, they should be officially added to your auto insurance policy. […]
15 Useful Apps for Truckers
With so many apps available to the trucking industry, choosing the right app can be somewhat confusing, and it can be difficult to know where to start. So, why would you want to use an app? Simply put, mobile apps extend the reach and productivity of your time and business. By equipping your smartphone, tablet, […]
Hybrid Long Term Care policies are flying off the shelves….
Hybrid Long Term Care contracts are “flying off our shelves” here at Frost-Beck Insurance Agency!
Life Insurance 101
There are interesting differences between Term Life Insurance and Whole Life Insurance when you dig down deep. Term Life Insurance is the least expensive today, but the most expensive over time. Less than 1% collect a term life death benefit. Whole Life Insurance is the most expensive today, and the least expensive over time. 100% […]
“I have life insurance through my employer.”
When discussing or proposing life insurance options to people we often get this reply. While I could easily touch on a number of reasons why you shouldn’t rely on employer provided life insurance, in this post we will only focus on one. A big one. Approximately 95% of employer provided, group life policies have an […]
PMI Insurance
It has come to my attention that some home buyers mistakenly believe that the PMI, or Private Mortgage Insurance that they are paying for as part of their mortgage payment – protects them. PMI is generally required by the lender when the home buyer has less than the recommended 20% down payment, or equity in […]
What is Basic form, Broad form, and Special form?
Basic, Broad, and Special form are three common coverage forms when insuring property. Basic form is the most restrictive, while Special offers the greater level of protection. Basic form covers these 11 “perils” or causes of loss: Fire or Lightning, Smoke, Windstorm or Hail, Explosion, Riot or Civil Commotion, Aircraft (striking the property), Vehicles (striking […]