I worked as an insurance adjuster for many years handling commercial, residential automobile, etc. Your driving record has a lot to do with your premium as well as whether or not you have teenage drivers in the home. Also if your vehicle is several years old and paid for you may want to just carry comprehensive and not collision coverage. Comp will cover wind, hail, fire, theft, collisions with deer and most anything not covered by collision. There are multiple car discounts available as well. An independent agent works for you and his job is to find you the best rate for the coverage provided even if it means moving you around from year to year if there are no accidents. A captive agent is more limited in finding the best quote but there are advantages for him as well.
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Today's Featured Article - Listening to Your Tractor - by Curtis Von Fange. Years ago there was a TV show about a talking car. Unless you are from another planet, physically or otherwise, I don’t think our internal combustion buddies will talk and tell us their problems. But, on the other hand, there is a secret language that our mechanical companions readily do speak. It is an interesting form of communication that involves all the senses of the listener. In this series we are going to investigate and learn the basic rudimentary skills of understanding this lingo.
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