These are trying economic times and simply turning on the television can put you in a state of depression. You may be a casualty of a layoff at work, a downsizing or a flat out firing and you still have to pay that stack of bills that are piling up on your counter. The temptation to cut your car insurance coverage to save money may end up costing you more in the end than it saves you today.

You may be tempted to raise your auto insurance deductibles to save a few hundred dollars on your car insurance, but is this really a good idea? Let’s take a look at the benefits of both scenarios. Read the rest of this entry

I thought I’d write a bit about an experience I had with Progressive car insurance. Keep in mind that I’m an independent insurance agent and I can insure my family’s vehicles with any of about 15 different insurance companies. I chose to insure my cars with Progressive, primarily because their rates were very competitive. From an agent’s standpoint, Progressive is one of the easiest companies to work with due to their investment in their agent website.

I’ve read plenty of claim experiences where consumers take delight in bashing their former insurance company. I thought I’d put this one out there as a positive experience, for what it’s worth. My wife and I were traveling down I-80 to a college football game one September morning when we were passed by a Chevy Suburban, the driver of which proceeded to veer off the left side of the interstate, over correct and slam head-on into a concrete construction barrier on the right side of the road, completely blocking my lane.

There was one vehicle ahead of us in the left-hand lane and they collided with the rear of the Suburban. I couldn’t stop in time and our Honda Accord collided with the Suburban right between the front and rear passenger side doors.  Our airbags deployed and there as an eary silence before we heard the screetching tires of a car preparing to sandwich our car with the Suburban. Luckily, the car that rear-ended our’s was about the same size and did not completely sandwich our car. Had the 18-wheeler behind that car not seen the accident and slowed down, it would have plowed through the accident and who knows if I’d be writing this today. Read the rest of this entry