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Car Insurance and Coronavirus: What You Need to Know

December 16, 2020 By Melanie Bosse

Car insurance is essential financial protection in case you get into a car accident that leaves you liable for damage, or in case your car gets stolen or damaged by another named peril. As long as your insurance is active and you are making your premium payments on time you will continue to be protected. […]

Filed Under: American Heritage, Auto, Money Tagged With: Auto Insurance, auto insurance discounts, car insurance, coronavirus and auto insurance, covid and car insurance

The Most Common Commercial Car Insurance Exclusions

November 25, 2020 By Melanie Bosse

Commercial car insurance is, as the name suggests, designed for vehicles used for commercial purposes. There are many differences between a commercial policy and a regular one, which covers personal-usage cars. There are greater coverage limits, greater reimbursement sums and the possibility of adding a fleet of vehicles. There are certain activities that will void […]

Filed Under: American Heritage, Auto, Commercial Insurance Tagged With: commercial auto insurance, commercial car insurance, commercial car insurance exclusions, having a car for my business, insuring my business car, what does commercial car insurance cover, what doesnt commercial car insurance cover

What Is Gap Insurance and How Does It Work?

November 18, 2020 By Melanie Bosse

If you drive a new car off the dealer’s lot, having made your deposit and looking forward to your first payment, but wind up in an accident that makes the car unusable, what recourse do you have? Guaranteed Asset Protection (GAP) insurance is the answer. What Is Gap Insurance? Guaranteed Asset Protection insurance protects the […]

Filed Under: American Heritage, Auto Tagged With: Auto Insurance, buying a new car, car insurance, do i need gap insurance, gap insurance, what is gap insurance, where do i buy gap insurance

How Much Car Insurance Do I Need? 5 Key Coverage Considerations

November 11, 2020 By Melanie Bosse

Of all the many adulting tasks we’re faced with, figuring out insurance is among the most confusing. Health? Life? House? Car? Yes! For car insurance, most state laws require every driver to have a minimum level of coverage, but how much and what type of coverage varies by state – so, should you get more […]

Filed Under: American Heritage, Auto Tagged With: adulting, Auto Insurance, car insurance, collision insurance, comprehensive insurance, Driving, how much car insurance do i need, liability insurance, uninsured motorist insurance, what type of car insurance do i need

Check Your Auto Insurance if You’re Going to Make Deliveries

November 4, 2020 By Melanie Bosse

With much of the country practicing social distancing and self-quarantines due to the coronavirus pandemic, many companies are looking for delivery drivers to get groceries, takeout meals and other items to customers. If you’re looking to pick up some extra cash as a delivery driver and using your own car, be aware of possible auto […]

Filed Under: American Heritage, Auto, Commercial Insurance Tagged With: automobile insurance, car insurance, commercial auto policy, delivery driver insurance, do i need insurance as a delivery driver, hired car insurance, non-owned insurance, uber insurance

What’s Covered by Umbrella Insurance?

September 16, 2020 By Melanie Bosse

Homeowners insurance protects you if, say, a fire burns your house to the ground. That’s a start. But you also need to think about protecting your home against something equally dangerous: a lawsuit. If a houseguest slips in the bathtub, you could get sued. Lose the lawsuit and you could lose all of your assets, […]

Filed Under: American Heritage, Auto, Commercial Insurance, Home, Small Business, Umbrella Tagged With: commercial umbrella insurance, personal umbrella insurance, umbrella insurance, what does umbrella insurance cover, what is umbrella insurance

Umbrella Insurance is the New Liability Coverage

September 2, 2020 By Melanie Bosse

It seems as though the wealthier an individual is, the higher the risk of being sued. It’s just one of the downsides of being affluent, especially if that person is also a business owner. In opportunistic lawsuits, primary policies like standard car insurance, home insurance and a business owner’s policy do not fully protect a […]

Filed Under: American Heritage, Auto, Home, Money, Small Business, Umbrella Tagged With: commercial umbrella insurance, do i need umbrella insurance, liability coverage, liability insurance, personal umbrella insurance, umbrella insurance, what does umbrella insurance cover, what is umbrella insurance

How Telematics Devices are Driving Discounts for Commercial Auto Insurance

February 19, 2020 By Melanie Bosse

Ever wonder what happens while your company drivers are on the road? Looking for new ways to monitor and manage cost of insuring a fleet of commercial vehicles? If professional drivers keep your business rolling, telematics devices now offer you new, real-time insights into ways to manage and monitor your risk exposures. For businesses that […]

Filed Under: American Heritage, Auto, Small Business Tagged With: commercial auto insurance, commercial car insurance, commercial truck insurance, driving for work, fleet insurance, telematics devices, telematics for fleets, track your driving, truck fleet insurance, truck insurance

10 Ways Driving Analytics are Affecting Insurance

February 5, 2020 By Melanie Bosse

You may have noticed a lot of buzz about driving analytics lately, and for good reason. Driving analytics are primed to change the way vehicles and drivers are insured, and even conceivably change the way individuals drive, for the better. What is Driving Analytics? Also referred to as telematics, driving analytics tracks driver data like […]

Filed Under: American Heritage, Auto, Money, Motorcycle Tagged With: Auto Insurance, car insurance, driving analytics, insurance discounts, insurance technology, telematics

What Insurance Does an Uber or Lyft Driver Need?

January 2, 2020 By Melanie Bosse

If you drive for a ride-hailing company like Uber or Lyft, or if you’re thinking of joining one, insurance coverage can seem like a secondary concern or something too complicated to tackle. But it’s more important than you think – and inaction could put you at risk. Do you have the right auto insurance to […]

Filed Under: American Heritage, Auto Tagged With: Auto Insurance, car insurance, commercial auto insurance, do i need extra insurance to drive for uber or lyft, lyft insurance, ride hailing company, rideshare insurance, uber insurance

How Hybrid and Electric Vehicles Affect Your Auto Insurance Quotes

August 28, 2019 By Melanie Bosse Leave a Comment

For many hybrid drivers, ditching the gas guzzler for something a bit greener may be more about lifestyle than economics. But if you choose one of these vehicles, it could cost you when it comes to auto insurance quotes. Hybrid car insurance generally costs more than coverage for gas-powered vehicles, according to a 2008 study […]

Filed Under: American Heritage, Auto, Money Tagged With: Auto Insurance, auto insurance rates, electric vehicles, how electric vehicles affect your auto insurance, how hybrid cars affect your auto insurance, hybrid car insurance

Insuring Your Classic Car

August 21, 2019 By Melanie Bosse Leave a Comment

A classic, custom, collectible or antique car requires insurance that reflects your vehicle’s uniqueness and value. If you own-or are thinking of owning-a special set of wheels, find out about the kind of policy you need. What Types of Vehicles Need Special Insurance? A classic, collectible or antique car is no ordinary car-and regular auto […]

Filed Under: American Heritage, Auto, Classic Car, Toys Tagged With: antique car insurance, classic car insurance, collectible car, collectible car insurance, insuring your classic car

The Cheapest Cars to Insure in 2019

August 14, 2019 By Melanie Bosse Leave a Comment

**Study was done by ValuePenguin. Actual premiums may vary. Talk with your insurance agent for details regarding your own quote and vehicle.** We looked at 50 of the most popular models on the road to see which were the least expensive to insure. Our research showed that minivans and small pick-up trucks were, on average, […]

Filed Under: American Heritage, Auto, Money Tagged With: buying a car, car insurance, cheapest cars to insure, insurance by make and model, least expensive car to insure, most expensive car to insure

8 Insurance Points to Consider Before Buying a Car

August 7, 2019 By Melanie Bosse Leave a Comment

Most people know they need insurance for their new car, but in the excitement of buying a vehicle they may not research it as carefully as they should. Skipping over this detail may cause financial problems almost as soon as you drive off the lot. “You need to shop for insurance before you ever step […]

Filed Under: American Heritage, Auto, Money Tagged With: buying a car, car insurance

Classic Car Insurance: What is it and How does it Work?

July 31, 2019 By Melanie Bosse Leave a Comment

Whether you own a 1994 Ford Mustang SVT Cobra, 1966 Ferrari 330 GTC, 1941 Willys American Hot Rod, original Model T from 1923, or a other coveted collector car, you probably want to do everything you can to protect your investment and ensure many years of fun and enjoyment with your prized vehicle. That means […]

Filed Under: American Heritage, Auto, Classic Car Tagged With: classic car, classic car insurance, hagerty, hot rod, model T

The 5 Culprits for Rising Auto Insurance Costs

April 24, 2019 By Melanie Bosse Leave a Comment

According to James Lynch, chief actuary, vice president of research and education at the Insurance Information Institute (III), there are five main factors responsible for frequently rising auto insurance rates. More miles driven. Not surprisingly, the number of accidents is directly related to how much people are driving. “When you go into a recession, a […]

Filed Under: American Heritage, Auto

Types of Auto Insurance

April 17, 2019 By Melanie Bosse Leave a Comment

There are several different categories of auto insurance and each covers a different aspect of your risk as a driver. Liability: If you are deemed at fault in a car accident, liability coverage will pay for repairs, medical costs for injuries suffered by others in the vehicle, plus other expenses related to the accident such […]

Filed Under: American Heritage, Auto Tagged With: Auto Insurance, car insurance, collision, comprehensive coverage, insurance discounts, liability insurance

Auto Insurance Database Would Improve Police Ability to Catch Uninsured Drivers

April 3, 2019 By Melanie Bosse Leave a Comment

“Can you go ahead and give me your license, registration and insurance card, please?” That question never signals happy times. Almost always it’s asked for a driver pulled over for a traffic infraction or involved in a crash. The law enforcement officer can quickly verify your license and registration status via a real-time statewide database, […]

Filed Under: American Heritage, Auto Tagged With: Auto Insurance, florida, oklahoma, tennessee, uninsured motorist

Spooky Truths Regarding Halloween Safety On and Off the Road

October 30, 2018 By Melanie Bosse Leave a Comment

Kids love the magic of Halloween: Trick-or-treating, classroom parties and trips to a neighborhood haunted house. But for moms and dads, often there is a fine line between Halloween fun and safety concerns, especially when it comes to road and pedestrian safety. In 2015, about 6,700 pedestrian deaths and 160,000 medically consulted injuries occurred among […]

Filed Under: American Heritage, Auto, Holidays Tagged With: Halloween, Halloween Safety, Safe Driving

Oh Deer! What to Do When You Hit an Animal

October 16, 2018 By Melanie Bosse Leave a Comment

No matter where you’re driving, in a residential area or on the open road, you run the chance of hitting an animal, on accident of course. Animal accidents are common in this day and age. However, it’s important to know what to do in these situations in order to keep the road clear and safe […]

Filed Under: American Heritage, Auto Tagged With: animals, car accident, deer, wildlife

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