2016 | Boizelle Insurance Partnership - Page 4
Insurance Knowledge Every Homeowner Should Know
Bret Boizelle sits down with Charles Chapman of RE/MAX Realty Services to provide important tips for homeowners seeking quality insurance.
Read moreWhat You Need to Know About Motorcycle Insurance
When you buy your dream bike, you probably can’t wait to take that first ride. Before you do, you’ll want to get a few things in order before you set off. Just one is motorcycle insurance.
Just like you wouldn’t go without auto insurance for your car, you don’t want to forgo coverage for your motorcycle. Motorcycle insurance protects your investment in your bike, of course. But it also protects you—as well as others—from the unexpected.
There are several coverages you’ll want to consider for your bike. They include:
- Damage to your motorcycle caused by a collision.
- Damage to your motorcycle caused by anything other than a collision—this can include theft, vandalism, hail damage and more.
- Bodily injury to someone else or damage to someone else’s property that you cause while riding your motorcycle.
- Medical payments to you if you are injured.
- Uninsured/underinsured motorist coverage in case you get into an accident with an underinsured, underinsured or hit-and-run driver.
- Any special custom work you had done on your bike.
- Attached side cars.
- Road service coverage that pays for reasonable towing and labor costs at the breakdown site.
Erie Insurance now offers improved motorcycle coverage for your motorcycle so you can ride easy. Contact Boizelle Insurance to learn more and get a free quote.
Originally Posted by: Erie Insurance
Read moreLowering the Cost of Auto Insurance
If you’re looking for insurance, you’re interested in lowering your auto insurance rates. Have you ever wondered how auto insurance rates are determined?
Insurance companies must balance rates with the cost to cover claims. Factors that may affect the cost of your policy:
- Accident history
- Driving record
- Vehicle make and model
- Annual mileage
- Vehicle usage
- Your credit-based insurance score
- Your age and eligibility for discounts
Auto insurance rates vary by state too. Rates in any given state are based in part on historical claim frequency and repair costs for car accidents or theft, as well as other factors like the cost of medical care. Within a state, some territories have higher rates than others.
Keeping Rates as Low as Possible
Why are auto insurance rates rising?
Insurance companies pay claims using the money collected from their Policyholders. Higher auto repair costs, higher medical bills, and costlier auto accident lawsuits have made claims more costly to settle.
ERIE does all it can to control expenses and offer low rates, but as the costs increase for goods and services, premiums must be raised to cover those expenses. Premiums could also increase on individual policies because additional drivers are added, there is a change in the autos insured, or an accident or violation results in the loss of a discount.
Erie Insurance is committed to keeping your auto rates as low as possible through fiscal responsibility and disciplined underwriting practices. ERIE further lowers your rates through numerous discounts.
ERIE also offers ERIE Rate Lock®, which helps you avoid auto insurance rate increases. Even if you have a claim, your rates won’t change until you make certain changes to your policy:
- Add or remove a vehicle from your policy
- Add or remove a driver from your policy
- Change your primary residence
We’d like to explain the details in person or on the phone. Contact Boizelle Insurance to get an auto quote that includes ERIE Rate Lock®.
By: Erie Insurance
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