Best Insurance Agency Merrimack, NH

Do You Have a Personal Insurance Agent?

Best Insurance Agency Merrimack, NHWhen it comes to buying insurance, you can purchase it online yourself through a well-known insurance carrier, a captive agent or you can buy it through a local insurance agency. When you buy it online yourself, you may find it can be more challenging to manage your insurance policy. When you have to call an 800 number to ask a question about your policy or make a claim, sometimes you may feel like you aren’t receiving a personal touch.

As a local insurance agency, we want to share the benefits of having a personal insurance agent when it comes to purchasing insurance.

Do you have a professional insurance agent you trust?

Just like having a doctor or dentist, we want to be a professional you can trust when it comes to buying insurance. Insurance can be tricky and difficult to understand. We are here to explain the differences in insurance coverage to ensure you have the right coverage for your specific needs.

Have a quick insurance question? Email or call your agent directly.

We love answering all your insurance questions. We get questions all the time from our customers.

  • Do I need to buy rental car insurance for my upcoming vacation or will my personal auto insurance cover me?
  • I am renting a U-haul, do I need to buy their coverage?
  • Do I have any gaps in my insurance coverage?
  • I just purchased a boat, does my homeowner’s insurance cover me or do I need additional insurance coverage?
  • Should I purchase flood or earthquake insurance?
  • Should I increase my limits on my umbrella insurance? I just purchased my first investment property.
  • Should I have life insurance at my age? What are the benefits?

Questions like the ones listed above are easily answered from our agents! We are here to answer all your questions. With a simple email or call, you can get an answer from your insurance agent directly.

My insurance premium increased significantly and I haven’t turned in any claims. Help!

If you purchase insurance from a well-known insurance company directly, it may be hard to find a better rate at renewal without having to sacrifice insurance coverage. Luckily, local, independent insurance agents represent several companies instead of just one. If you find your insurance premium is too high for your budget, reach out to your agent at renewal. We can shop similar coverage with a different insurance carrier. You might be surprised to find several quotes to choose from!

If you don’t have a personal insurance agent, reach out to our agency. We’d love to review your current insurance coverage, answer your questions or simply be the personal, professional agent you need in your life. Our agency can help you with all your auto, home, business or life insurance needs.

Telematics Auto Insurance Discount Merrimac, NH

Looking for an Auto Insurance Discount? Consider Telematics.

Telematics Auto Insurance Discount Merrimac, NHMany insurance carriers offer telematics for an auto insurance discount. If you are seeking out additional auto insurance discounts to lower your monthly or annual premium, talk to your insurance agent to see if your carrier offers telematics. Many carriers do!

How does telematics work?

A telematics device monitors how you drive a vehicle. Your insurance carrier mails you a vehicle tracking device, you insert it into your vehicle’s onboard diagnostic port under your dash and then it monitors how you drive for an extended amount of time. Once it is setup, it runs all on its own until it is time for you to return it back to your insurance carrier.

The telematics device determines how safe of a driver you are based on measuring your speed, how hard you brake when stopping your vehicle and how many miles you drive. It also looks into what time of day you drive. It is important to note that not all insurance carriers follow the same guidelines or look at the same data.

Curious to see how safe you drive? Talk to your insurance agent to see if your carrier provides a driving report. The telematics device can show a detailed report of your driving habits that can help you become more aware of your driving behaviors. By reviewing this information, it can help you become aware of your current driving habits and if you are currently considered a safe driver.

Once you have completed the timeframe of using the telematics device, you’ll mail it back to your insurance carrier and they will review it.

If my insurance carrier offer telematics, should I do it?

It’s up to you! Not only do you receive a discount for participating, but your insurance carrier may continue to provide discounts in the future for being a safe driver. Some carriers also give you a discount every 6-12 months for being claims-free. This could be rewarded with a mailed check or a discount at renewal.

Talk to your agent about telematics or receive a free auto insurance policy review.

As your insurance agent, we want to ensure you have the best auto insurance coverage for your needs. If you are unhappy with your current premium rate, we can shop our carriers for additional discounts like telematics or simply quote you with other carriers. Don’t hesitate to reach out to us.

Renters Insurance Agent Merrimack, NH

Do Millennials Need Renters Insurance? Learn the Benefits.

Renters Insurance Agent Merrimack, NHIf you are a millennial, there is a good chance you rent a home, apartment or condo. According to surveys, up to 70% of millennial renters do not have renters insurance. This is an alarming statistic. Whether you are a young professional or finishing up your college degree, every renter should have a renters insurance policy.

Simple reasons millennials choose not to buy renters insurance –

“I am secure enough from potential damages”

Is this true? If your apartment, condo or home was in a fire and you lost all your valuables, would you feel financially secure enough to replace everything?

“I don’t see the value in renters insurance?”

Instead of it being a value issue, some millennials may not fully understand what renters insurance actually covers. So, we thought it would be good to break down exactly how renters insurance works (see below).

Another common thought, “if my apartment, home or condo is damaged in a fire, flood, etc., my landlord covers the damages?”

Your landlord most likely would not be required to cover damages to any of your personal belongings.

What Renters Insurance Covers

Renters insurance covers your personal property: Items that you own from your furniture, clothing, computer, kitchen items and more.

Renters insurance provides you with liability coverage: Coverage limits vary, but if you someone were to injure themselves in your home, you would have protection. Other common examples include your dog bites your friend or a friend falls in your kitchen and breaks her wrist because you left water on the floor.

Renters insurance may cover the cost of temporary housing. If your home, apartment or condo has major damage that prevents you from being able to live there, renters insurance may cover the cost of a hotel room.

Did you also know that renters insurance is very affordable?

Renters insurance can be as cheap as $1/day. While most renters insurance policies provide $100,000 in liability coverage, you can increase this limit. Talk to your insurance agent about how a bump in liability coverage can provide additional protection at a very affordable price.

Speak with an agent in our office today!

Whether you are renting an apartment, condo or home, there are many benefits of having a renters insurance policy. Contact our agency with your questions! We represent the top insurance carriers and can quote you with all our carriers at once for renters insurance. We’ll explain your options and show you a side by side comparison of coverage options. Get your free quote over the phone or email.

What to do if you get into a car accident in New Hampshire

What You Should Know If You Get Into a Car Accident & Six Things to Do

What to do if you get into a car accident in New HampshireBeing in an accident can be a very frightening event. Being prepared to know how to handle the situation when it occurs will help you deal with the shock of it, and obtaining proper documentation helps support a claim. While accidents will happen to almost every driver, whether their car is parked and unattended, or while they’re driving, knowing these important steps will help you deal with the unfortunate situation.

Safely park your vehicle: If you happen to be driving when the accident occurs, safely pull the vehicle over to the side of the road. If possible, carefully write down the license plate and description of the other vehicle(s) involved in the accident. If you are reporting a hit and run, this information will aid police in locating the driver. In the event of a hit and run it most likely happens when your vehicle is unattended. If you return to your vehicle to find damage, look for clues to help you prove your case, i.e. Security cameras.

Assess any Injuries: If someone is injured, take care of their immediate needs and quickly call 911. It is typical to be jittery after such an event so catch your breath too.

Call police: Once you’re safely parked, you should call the police to file a report, especially if another party is involved. It’s important to always have documentation of how the accident happened. Some people want to settle the claim without going through insurance, but this comes with risks. The other driver may not live up to their word and without contacting the police, it turns into a he said, she said scenario.

Exchange Information: Exchanging insurance ID cards is always recommended. Be sure to have their name and phone number too. It’s simple to take a picture with your phone. Be sure to include the car’s license plate number, year, make and model too.

Take pictures/Gather any witness information: If you have a witness who wants to share their side of the story, jot down their phone number and name. Your insurance company will want to talk with any witness to the accident. Taking pictures also gives your insurance company more details on the damage of your vehicle.

Call your insurance company: Sometimes even though vehicles collide, the damages may be limited, so you’ll want to take a close look and determine if you want to pursue a claim or get an estimate first before calling your insurance company. If someone was injured or if you have major damage, it’s always best to call your insurance company immediately. Your insurance company can assist you with your claim so if you have taken pictures and provided all the information above, your claim can be settled quicker.

While we hope you never have to experience a car accident, being prepared will help you tackle the unfortunate situation. Contact us if you need claims assistance.

Staying Healthy on the Road - Merrimack New Hampshire

Tips & Tricks on How to Cook Healthy Meals On A Road Trip

Staying Healthy on the Road - Merrimack New HampshireDid you purchase a RV this past year or have you found you enjoy taking road trips? With the COVID-19 pandemic, many people invested in a RV, travel trailer or simply went camping more in order to safely travel & enjoy the beautiful outdoors. When you are taking a road trip, you do have to figure out how you plan to eat. Fast food and takeout from restaurants may be your first thought.

Have you ever considered that you can eat a great home-cooked meals on the road that doesn’t require much cooking at all? Of course, you can always make a grocery store run & cook just as you would cook a meal at home. But, this might mean buying all of the little things like spices, oils, etc.

In this blog, we share how to eat healthy on the road without having to spend too much time cooking. Plus, you might find you can get away with packing less.

Our basic cooking essentials – do you own the following items?

  • Portable Stove
  • Small Gas Barbeque
  • Pot, Pan or both
  • Water jug container (for cooking and cleaning pots/pans)
  • Soap/Sponge (for cleaning pots/pans)
  • Utensils and Paper Plates
  • Garbage Bag
  • Lighter
  • Propane Tank + an extra
  • A good cooler (if you are on a longer road trip, we love a cooler that can plug into your car!)
  • Ice Packs or Ice Bag

Having the following items above is a great start. They don’t take up too much space and provide you with everything you need to cook, eat & clean up afterwards.

Next, how can I prepare a delicious, healthy meal with minimal cooking?

Batch cook.

Batch cooking is simply preparing meals in your home before your trip. Choosing meals that freeze easy are key. Once you have cooked your meal at home, throw it into the freezer at least 24 hours before your trip. The day you are leaving for your trip, load it into your cooler frozen then layer on your ice packs to keep it cool. When it is time to cook, all you have to do is re-heat it using your portable stove or barbeque.

Some great food suggestions –

  • Frozen cooked burgers (turkey, beef or chicken)
  • Frozen Chili or other soup
  • Meat sauce / vegetable sauce
  • Frozen breakfast sausage links
  • Taco meat
  • Foil vegetables or entrees (prepare vegetables or entrees ahead of time & wrap in foil – simply place on your BBQ grill or unwrap and place into a pot or pan)
  • Frozen pizza slices

How to re-heat your meal? Either place your frozen burger on your barbeque or add your entrée into a pan or pot to re-heat on your portable stove. Within 10 minutes or so, you’ll have a tasty meal!

Other meals that don’t require much cooking –

  • Cold Sandwiches
  • Hot Dogs
  • Yogurt
  • Hard Boiled Eggs
  • Snack foods like rice cakes, chips, pretzels, trail mix
  • Anything that requires boiled water such as oatmeal or noodles
  • Prepared meals you enjoy eating cold (tuna salad, other cold salads and entrees)
  • Raw fruit and vegetables

We hope you found new tips that can help you eat healthy while traveling on the road. While we can’t prepare your meals for you, we can ensure you have the best coverage for your vehicle or RV. Whether you are shopping around for the best rate or are looking to purchase different RV coverage, we are here to help.

Choosing the Right Insurance Company - Merrimack, NH

Choosing the Right Insurance Company

How do I choose the right insurance company when there are so many to choose from?

Choosing the Right Insurance Company - Merrimack, NHWith such a large selection to choose from, it can be hard to know which insurance company is right for you. Many people revert to shopping based solely on price or they rely on recommendations from friends and family to evaluate which insurance company to go with. But your decision should be based on more than just cost or a recommendation from a loved one. Let’s take a look at how you can choose the right insurance company for your needs without having to spend hours of research.

Rankings

The results of consumer surveys are easy to find online and often offer more reliable information than individual online reviews. These surveys are generally in-depth inquiries into specific sectors of a market. Those responding to the survey will be asked several questions about their satisfaction with the insurance company and how much they pay for their various policies. You can even get insights on the best insurance company for specific issues such as claims satisfaction, availability of discounts, or customer service. Consumer survey results are available for many types of insurance including auto, home, health, and life.

Financial Stability

If an insurance company is weak financially, then there could be issues with paying incoming claims. That’s especially a concern if there’s a natural disaster and the company is hit with a large number of claims in a short amount of time. Financial stability ratings are available online and it’s worth doing some homework, especially if you’re considering going with a smaller or lesser-known insurance provider.

Payment Plans

Different insurance companies take a different approach to payments. It’s best to look for a company that offers multiple payment plans. Some of the more flexible insurance companies offer discounts for automatic withdrawals or paying the premium in full. Likewise, beware of companies that charge excessive fees with each monthly payment as those costs can add up over time.

Buying Online vs Purchasing From an Independent Agent 

There are many big-name insurance companies that saturate the media with advertisements and commercials touting how much you can save in very little time. But these companies are not always the best option. While you may see and hear a lot less about independent agents, they offer some unbeatable benefits. These insurance professionals will take the time to understand your personal insurance needs and offer advice on which insurance companies are best for you. Independent agents have access to multiple insurance companies and they can effectively shop around for a policy that matches precisely what you’re looking for.

The best way to get more information on the best insurance company for you is to ask a licensed agent in our office. We can assist you with assessing your insurance needs and provide you with some quotes from several of the top insurance companies.

Call Us Today For A Free Consultation

Our licensed staff is ready to help you get multiple insurance quotes. Because we’re an independent insurance agent we can shop from multiple insurance companies to help you find the right coverage at the right price.

Benefits of An Independent Insurance Agent

There are many ways these days to buying an insurance policy. Some people may feel the easiest way is to simply go online and purchase it yourself. You could even shop many carriers yourself to find the best rate for the coverage you need. However, there are many more additional benefits you could gain by going through a local insurance agency.

Save Yourself Time

As we mentioned above, yes you could shop for insurance yourself through several of the top insurance carriers. But, what is your time worth? By shopping with a local insurance agent, we can do the shopping for you. Get 10 quotes or more at once! We’ll provide you many choices by shopping our top insurance carriers to find you the best coverage at an affordable price. In fact, many of our companies are likely the big ones you’ve heard of. If for any reason you want to change insurance carriers down the road, we can do that for you – you don’t need to change agents.

Get Professional Advice

Instead of guessing what coverage you might need, you can get professional advice by working with a local insurance agency. Since we specialize in this field, we can listen to your needs and find the right coverage that matches. We can also ensure you don’t have any gaps in coverage in the event you have an insurance claim.

Truly Understand The Coverage You Are Buying & Additional Coverage Options Available

Insurance can be complicated. We try to simplify the process. Not only do we want to help you understand your current insurance policy, but help if you are interested in different coverage options. Feel confident knowing you’re informed about exactly the coverages you have and what you might want to consider.

Score a Discount

Our licensed agents are discount detectives. Let them search for all the hidden discounts so you get the best rates and coverage for your money. We understand it is important you have affordable insurance coverage. That’s why we are constantly looking for ways to get you to qualify for a discount. If you are unhappy with your insurance plan at renewal, we can look at coverage options through other carriers to find the best fit for you.

Have a Relationship With Your Agent Vs. Calling an 800 number

We are a phone call or email away. By working with the same agency time and time again, we can help you with anything. From claims, to policy updates or questions, we strive to be a partner you trust and can rely on.

Competitive rates

A local, independent insurance agent will work hard to save you money. We have the ability to quote from many different insurance carriers and are able to provide you with several carrier options. Since our business is consumer-driven, your agent will provide a level of service and care with which many large carriers cannot compete.

Ease of service

Our local, independent insurance agency can service your insurance policies, so if there is a problem there is only one number to call if you have questions about your policy. Your agent also lives in your area so we are able to be honest and let you know if you really need specialty coverages like flood or earthquake.

Adaptability

Did you get a new car, buy a house or get a boat insurance policy? Your local, independent agent can assist you with all of that. Your agent is able to quote multiple types of insurance coverage like personal umbrella or business insurance as your needs change over the years. We can also update your existing policies with ease.

No Jargon

Your local, independent insurance agent is an expert when it comes to the insurance world. If you are confused to the meanings of Comprehensive, UMBI, PIP or any of the other coverage options, your agent will be able to explain your coverage in plain, easy-to-understand language. When you purchase any type of insurance, there are a lot of ins-and-outs to consider, your agent will be there to walk you through your coverage and make sure that you understand what may or may not be covered.

We have it all

It bears repeating: a local, independent insurance agent is a one-stop shop. We offer auto, home, boat, motorcycle, renters, flood insurance and the list goes on. If you are looking for a coverage that they do not offer, your local, independent insurance agent can recommend a carrier who can assist with your needs.

If you are in need of an insurance policy, call . We can help you find affordable coverage for your auto, home or business. Get a free insurance quote today.