Are Auto Insurance Rates Negotiable? (Chesterland, OH)

Are auto insurance rates negotiable. Well, the short answer is no auto insurance rates are generally not negotiable. However, there is more to this question than my short answer that I just gave you. So in truth, uh what most people want to know is how they can lower their auto insurance rates. Now, while the premiums, a carrier offers aren’t negotiated, there are actually other ways that you can knock that rate down. Auto insurance carriers determine their fees based on this really complex set of variables that include, you know, uh your driving record and um, your age where you live, uh, how many miles you drive in a month, things like that, which means if you want, uh lower insurance rates, then there are several things that you can do. Uh, for starters, you can drive fewer miles, which might mean, you know, carpooling or taking public transportation. And let’s see what else? Um Another great idea that you could do to, um, lower those rates is to improve your driving record by going to driving school. As a matter of fact, some carriers will encourage you to take a defensive driving class in exchange for lower premiums, I gotta say, uh a knowledgeable insurance agent can help you find ways to lower your premiums. So even though rates aren’t directly negotiable, there are definitely plenty of ways to save money on auto insurance.

We’d be happy to review your insurance coverage options with you! Give us a call at 440-729-4042 or visit https://luczkowskiagency.com.

Will Homeowners Insurance Covers Pitbulls? (Chesterland, OH)

While pit bulls have gotten a bad rap in recent years, the truth is that they can make loyal and loving pets. However, some homeowners insurance companies will not cover homes with pit bulls due to the perceived aggression of the breed. And this can be a significant problem for pit bull owners making it difficult to find affordable coverage. Pit bull owners can take steps to reduce their risk such as enrolling their dogs in obedience classes. But ultimately, the decision of whether or not to cover pit bulls lies within the insurance company. As a result, pit bull owners may want to consider shopping around for a company willing to provide coverage. These companies typically require that the dog be registered up to date on vaccinations and legally owned. In addition, the homeowner must have a liability policy in place. If the dog injures someone while this coverage may be more expensive than standard homeowners insurance, it can provide peace of mind for those who own a pit bull.

We’d be happy to review your insurance coverage options with you! Give us a call at 440-729-4042 or visit https://luczkowskiagency.com.

Can Homeowners Insurance Be Backdated? (Chesterland, OH)

Many homeowners would like to know if a home insurance policy can be backdated to provide coverage before the policy was actually purchased. Now, obviously, this type of arrangement would benefit the homeowner, right? I mean, imagine only paying for insurance after a disaster occurs. So the answer is usually no, but there are some exceptions. On rare occasions, an insurance carrier may recognize that a homeowner has allowed their insurance policy to lapse unintentionally and will honor the claim even though the account is not up to date. Now, I want you to note that this is by no means obligatory. Most insurance companies will use a lapse in coverage as a reason not to honor a claim and it is their right to do so. In fact, most insurance companies institute a waiting period before coverage takes effect generally between 3090 days to prevent exactly this type of situation. Now, ultimately, the safest course of action is to keep your premiums up to date, to ensure the protection from your homeowners policy remains in effect.

We’d be happy to review your insurance coverage options with you! Give us a call at 440-729-4042 or visit https://luczkowskiagency.com.

What Is Long-Term Care With Life Insurance Rider? (Chesterland, OH)

A long term care life insurance rider or LTC RIDER is a policy added to your life insurance that can provide you with financial assistance. If you need to receive long term care services, it works by using part or all of your death benefit for long term care while you’re alive. An LTC RIDER can help pay for your long term care expenses that traditional health insurance doesn’t cover. However, if you’re considering adding an LTC Rider to your policy, you wanna make sure that your life insurance policy is large enough to cover both your death benefit and your long term care expenses. You’ll also want to be sure to read the fine print of your policy so that you understand exactly what’s covered and what’s not adding a long term care life insurance rider to your policy can be a great way to help ensure that you’re prepared for whatever the future may hold. If you think this rider might be right for you, be sure to talk to your insurance agent about your options.

We’d be happy to review your insurance coverage options with you! Give us a call at 440-729-4042 or visit https://luczkowskiagency.com.

Can I Deduct Business Insurance? (Chesterland, OH)

Many business owners ask about the expenses that can be deducted from their taxes. One common deduction that business owners can take advantage of is business insurance. If your business expenses are ordinary and necessary, then your business insurance can be deducted from your taxes. This includes premiums for general liability, property damage, workers compensation insurance, and automobile insurance. However, there are certain types of business insurance that cannot be deducted. Premiums for loan protection insurance and a disability insurance policy that covers your lost income are two examples of the types of insurance that usually cannot be deducted. Now, if you have questions about whether or not your business insurance can be deducted, it’s best to speak with your insurance agent. They will be able to give you the most accurate information based on your individual business situation.

We’d be happy to review your insurance coverage options with you! Give us a call at 440-729-4042 or visit https://luczkowskiagency.com.

When Auto Insurance Company Deny My Claim? (Chesterland, OH)

One question that we encounter so often is whether or not a carrier can deny a claim on an auto insurance policy. The answer to this question is absolutely yes, they can. Normally this is due to some sort of misunderstanding or miscommunication, but it can also result from fraud, misunderstandings on auto insurance often involve multiple drivers, um Children of the policy holder or even vehicles that are used for home based businesses. In these cases, it’s important to carefully read your auto insurance policy to make sure that you understand where your coverage begins and then where your coverage ends. Now. Although it is pretty rare, it is a sad fact that there are, you know, fly by night operations out there that are looking to just rip off hard working families. And of course, these insurers should always be avoided. Do your research, make sure that you get the most out of your policy and to fully understand your coverage, you should regularly review your auto policy with an insurance agent that you trust.

We’d be happy to review your insurance coverage options with you! Give us a call at 440-729-4042 or visit https://luczkowskiagency.com.

What Life Insurance Do I Need For Mortgage? (Chesterland, OH)

Many families and especially those who have just moved into new homes, for example, have questions about how to set up life insurance protection for their mortgage. Now, in the event that tragedy strikes the major breadwinner of a household, a life insurance policy can actually be used to pay off the mortgage and allow the family to keep the home. Now, this type of policy is relatively straightforward and it can be easily purchased from just about any life insurance carrier. Now, the policy can also be part of the closing agreement on a new house, which usually means that premiums for the policy will be added to the monthly mortgage payment. Now, something that I want you to also take note of is a mortgage policy can be engineered to provide a monthly benefit to the surviving family in addition to paying off the house and this provides an extra financial cushion which I think is just a huge, huge plus. So before making any final decisions, be sure to talk to your insurance agent to determine what kind of policy properly protects your family.

We’d be happy to review your insurance coverage options with you! Give us a call at 440-729-4042 or visit https://luczkowskiagency.com.

What Liability Limits Should I Have On My Auto Insurance? (Chesterland, OH)

Liability insurance is the only type of car insurance required by law. And for good reason, liability coverage pays for the damage you do when you collide with another automobile. While situations will vary between people of different means. A smart way to gauge the level of liability insurance you should have on your car can be done by looking at car costs. The average cost of a new car is just under $50,000 while not all cars on the road are worth this much. It’s a good minimum for your liability coverage. But what if you’re in an accident and the other person is injured? Medical care is expensive and a car injury can easily generate more than $200,000 in costs to cover both. Consider keeping liability coverage around $250,000. And remember you can always lower your premiums by raising your deductible before making a final choice on how much coverage you need. Consider speaking with an insurance professional about your optimal liability coverage.

We’d be happy to review your insurance coverage options with you! Give us a call at 440-729-4042 or visit https://luczkowskiagency.com.

Are Medicare Advantage Plans Good? (Chesterland, OH)

Those who are approaching retirement age often want to know if purchasing a Medicare Advantage plan is a smart choice. Well, first let me go ahead and tell you a little bit about it. A Medicare Advantage plan is a health plan provided by a private insurer that is approved by Medicare. Let’s see. Generally it covers parts A B and D. Now Medicare Advantage acts like a Medicap plan in that it pays for medical costs that traditional Medicare doesn’t cover. However, because Medicare Advantage is provided by private insurers. The specifics of the the coverage it provides can vary which means that depending on which plan you choose, it may or may not meet your needs. So the best way to learn more about Medicare advantage is by speaking directly with a trusted insurance professional and also reviewing your options with them.

We’d be happy to review your insurance coverage options with you! Give us a call at 440-729-4042 or visit https://luczkowskiagency.com.

Does Your Auto Insurance Cover Car Rentals? (Chesterland, OH)

For frequent travelers or families who are planning a vacation. A very common question is whether or not an auto insurance policy covers car rentals? Great question. So uh this actually isn’t a simple yes or no answer. It depends entirely on the particulars of your individual. Auto insurance cover some carriers cover the driver meaning you. So no matter what kind of vehicle you’re driving, your coverage follows you. On the other hand, some carriers cover specific vehicles, which means your policy is only in effect when you’re driving the car that’s specified on your insurance form. Now, car rental companies will often offer you insurance at the time of the rental, but depending on your existing coverage and the cost of the insurance, this either might be money that you do not need to pay for or very well worth the additional cost. Your insurance agent can help you determine the particulars of your policy as well as help you make informed choices regarding future car rentals.

We’d be happy to review your insurance coverage options with you! Give us a call at 440-729-4042 or visit https://luczkowskiagency.com.