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Why did my homeowners insurance rates go up?

November 30, 2022

There is no shortage of reasons your home insurance rates may have gone up, but the likely culprits in 2022 are rising labor and construction costs due to inflation and expensive natural disasters. Around a month before the end of your policy term, your insurance company will send you a notice reminding you that your homeowners […]

Filed Under: American Heritage, Auto Tagged With: Home Insurance, homeowners insurance, house, inflation, insurance score, natural disaster

How does inflation affect insurance rates?

November 23, 2022

Like most other goods and services, inflation can also increase the cost of insurance. Insurance and inflation When determining insurance premiums, insurance companies look at a variety of factors including industry trends like number of claims and costs to repair vehicles and homes. If those costs increase, the price of insurance premiums will likely increase […]

Filed Under: American Heritage, Auto Tagged With: Auto Insurance, Home Insurance, inflation, Insurance, lower premiums, saving

Car insurance costs more, but ‘several million people’ may still not have enough, expert says

October 26, 2022

Thanks to inflation, you’re likely paying more for just about everything these days, and car insurance is no exception. Insurers have increased rates by an average of 8.3% so far this year, according to data from S&P Global Market Intelligence, and costs for consumers will likely continue rising, say analysts at Bankrate. For insurers, the price […]

Filed Under: American Heritage, Auto Tagged With: auto coverage, auto policy, car, car insurance, coverage, inflation, Insurance

8 reasons auto insurance rates are rising

October 19, 2022

Odds are your auto insurance premium dropped in 2020 due to stay-at-home orders. There were fewer drivers on the road, which meant fewer accidents and fewer claims. Some insurance companies, including USAA, refunded a percentage of their members’ premiums. And now as some people are returning to their offices and society starts to get more […]

Filed Under: American Heritage, Auto Tagged With: Auto Insurance, auto insurance rates, economy, higher rates, inflation, rates, rising rates

Why Home and Auto Insurance Rates Are Rising in 2022

October 12, 2022

Why home and auto insurance rates are rising in 2022 Thanks to an unusual convergence of market trends, ushered in by the pandemic and other disruptive events, you may see a bigger change to the cost of your home and auto insurance than usual when it comes time to renew your policies this year. Insurance […]

Filed Under: American Heritage, Auto, Home Tagged With: Auto Insurance, higher rates, Home Insurance, rates, rising, supply chain

Auto insurance rates are increasing in 2022. Here’s how to prepare.

October 5, 2022

Like nearly every purchase consumers make right now, the average cost of car insurance will probably rise for many drivers throughout 2022. Nationally, car insurance rates are increasing by an average of 4.9 percent, according to approved rate filing data from S&P Global Market Intelligence. These rate changes stand to affect more than 62.5 million policyholders across […]

Filed Under: American Heritage, Auto Tagged With: Auto Insurance, driving habits, how to prepare, increasing, inflation, labor shortages, rates, supply chain

5 tips for first-time car insurance buyers

September 14, 2022

Whether you’re buying your first car or simply moving off your parents’ insurance for the first time, you might have some questions about getting your own car insurance. First, there’s the financial side of it, from figuring out what a fair price is to choosing coverages, limits, and deductibles that best fit your needs and […]

Filed Under: American Heritage, Auto Tagged With: auto policy, car insurance, Insurance, Tips, young adult

How Telematics Can Mitigate Personal Auto Hard Market Pricing

March 30, 2022

Tell me if you’ve heard this one before: The insurance market is hardening. Policy rates are going up and independent insurance agents need to help personal lines clients manage those impending increases. However, the story has changed in recent years—through telematics. Some independent insurance agents may be skeptical. That’s to be expected. Many have been hesitant […]

Filed Under: American Heritage, Auto Tagged With: Auto Insurance, car, technology, telematics, telematics devices

Top 14 Benefits of Telematics Beyond Tracking

March 23, 2022

When most fleet managers think of telematics, the first image that likely pops up is a digital map with dots showing where their vehicles are at any specific time. “While many fleets have realized the benefits of location tracking, the most successful telematics deployments are those that go beyond GPS. Telematics sits at the heart […]

Filed Under: American Heritage, Auto Tagged With: car, electric vehicles, telematics, telematics devices

What Should I Do If I Get into a Car Accident with a Rental Vehicle?

October 27, 2021

car accident

People often rent vehicles when going on vacation, particularly if they are driving long distances and want to avoid putting the wear and tear on their own car. Rental cars are also used when car owners need to have repairs made to their own vehicles. Whatever the reason for renting a vehicle, there are important […]

Filed Under: American Heritage, Auto Tagged With: car accident, rental car, rental car insurance, what to do in a car accident with a rental vehicle

Can I Get Auto Insurance with a Foreign License?

October 20, 2021

Least and Most expensive states for insurance

With so many people from around the world living in the U.S., it is natural to wonder and ask, “Can I get auto insurance with a foreign license?” The short answer is that you can, but you may not be able to from every insurance company. We’ll walk you through what you need to get […]

Filed Under: American Heritage, Auto Tagged With: Auto Insurance, can i get auto insurance with a foreign license, car insurance, car insurance in the US, foreign license

How Much Should I Spend on a Car?

October 13, 2021

Leather interior. Rearview cameras. Automatic emergency braking. While you may dream of a shiny new car with all these features and more, you may need to prepare for sticker shock. The average new car costs more than $40,000, and used cars average above $21,000. Of course you can buy a brand new car for as […]

Filed Under: American Heritage, Auto, Money Tagged With: buying a car, calculating how much you can afford to spend on a car, costs with buying a car, how much should i spend on a car

What Are the Main Factors That Influence Car Insurance Premiums?

October 6, 2021

car insurance

Insurance companies analyze a vast number of factors to determine the premiums paid by their customers. Some of these factors can be improved by the policyholders, while no one can improve other policy determining factors. The following top factors can have a significant impact on the premium paid by a policyholder: Demographic data. The driver’s age, […]

Filed Under: American Heritage, Auto Tagged With: Auto Insurance, car insurance, factors that affect car insurance, what influences car insurance premiums, why are some car insurance policies more expensive

RV Insurance 101

May 26, 2021

Recreational vehicles, or RVs, include a wide range of motorhomes, from camper vans to bus conversions, organized by classes: Class A, B and C. Your RV insurance will depend on the class of your vehicle, how much you use it, whether you live in it full time and other factors. The classes of RV include: […]

Filed Under: American Heritage, Auto, RV, Toys Tagged With: camper insurance, motorhome, rv insurance, rv insurance 101, what is rv insurance

A Complete Guide to Motorcycle Insurance

May 19, 2021

Whether you’re a road warrior seeking adventure or you’re just looking for a way to get around town, there’s nothing quite like driving a motorcycle. As you would with a car, you’ll need insurance if you want to protect yourself, your passengers and your investment. And just as you’d shop around for auto insurance quotes, […]

Filed Under: American Heritage, Auto, Motorcycle, Toys Tagged With: complete guide to motorcycle insurance, insuring my motorcycle, motorcycle coverages, Motorcycle Insurance

Usage-Based Insurance and How it Can Save You Money on Your Auto Insurance Premium

March 10, 2021

If I were to suggest that you allow your auto insurance company to track your driving habits, you might say, “no way, I don’t want to be tracked!” But, if I were to tell you that by allowing your insurance company to track your driving, you might be eligible for a discount on your premium, […]

Filed Under: American Heritage, Auto Tagged With: how to save money on car insurance, monitor your driving, monitoring your teens driving, Safe Driving, saving money on car insurance, teenage driving insurance, telematics, usage based insurance

The Most Common Commercial Car Insurance Exclusions

November 25, 2020

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

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

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

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

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