June 25, 2025
AgencyThe Role of Preventive Care in Health Insurance Plans
Preventive care has become a cornerstone of modern health insurance plans, playing a critical role in improving public health outcomes and reducing long-term health care costs. Under the Affordable Care Act (ACA), most health insurance plans are required to cover a wide range of preventive services without cost-sharing. These include vaccinations, cancer screenings, and blood […]
May 26, 2025
AgencyHow Health Insurance Coverage May Differ Between States
Health insurance coverage can vary significantly from one state to another in the United States. These differences can impact everything from the types of policies available to the specifics of what is covered. Understanding these variations is crucial for making informed decisions about your health insurance. Will My Policy Cover Me in Other States? One […]
April 20, 2025
AgencyThe Pros and Cons of High-deductible Health Plans
Health insurance may make all the difference during difficult times. Whether you and your family seek preventive care to maintain your health and wellness or require medical attention to address injuries and illnesses, the right coverage is critical. However, while you likely understand the importance of health insurance, making sense of the various plan options […]
February 20, 2025
AgencyHow Car Insurance Rates Are Calculated: What You Need to Know
Understanding how car insurance rates are determined can help you make informed decisions when buying coverage. Consider the following factors influencing car insurance rates and how they might impact you. Age—Younger drivers, especially those under 25, are statistically more likely to be involved in accidents and often face higher insurance rates. Conversely, older drivers may […]
January 28, 2025
AgencyThe Most Overlooked Auto Insurance Add-Ons That Could Save You Money
When shopping for auto insurance, many drivers focus solely on meeting their state’s minimum requirements. However, there’s a world of optional coverages that, while often overlooked, might help save money in the long run. Understanding Optional Auto Coverage Insurance can feel overwhelming with its many terms and options, but some add-ons are worth a closer […]
December 26, 2024
AgencyThe Cost of Car Repairs and How It Affects Your Auto Insurance Rates
Owning a car is a significant investment, and with it comes the inevitable cost of maintenance and repairs. These expenses can add up quickly, impacting not only your wallet but also your auto insurance rates. Understanding the relationship between repair costs and insurance premiums is crucial for making informed decisions about vehicle maintenance and coverage. […]
Why You Should Work With an Independent Insurance Agency
Sometimes, you might see advertisements for cheap auto insurance that offers fast, easy enrollment online without the hassle of talking to a pushy salesperson. This might sound like it’s a simple, practical way to get the auto insurance you need as efficiently as possible. However, is it really a wise step to take? Should you […]