Liability Auto Insurance and the Necessity to Have Adequate Coverage

Posted on in Auto Insurance

Liability insurance is a must have for your car and in fact it is illegal not to have it in all 50 states.  Not only that but it is required to register a car.  In any case it is one of the most important types of insurance you can have because it protects you financially if you cause damage to another driver’s body and/or property.  For the average American their vehicle is potentially the most dangerous and damage causing item they own.  This is especially true for individuals that drive a lot and in congested areas.  This is why it is important not to be cheap and under insure yourself with liability coverage.   What would you do if you hit a Bentley or even worse caused someone else to be severely injured?  You k now the cost will be high in those scenarios and if you don’t have sufficient liability insurance you could be on the hook for some major money.

Liability auto insurance is made up of 3 parts: bodily injury per person, bodily injury per accident and property damage.  Now each state will have a minimum of those 3 components.  As an example in New Jersey the minimum required liability car insurance is bodily injury of $15,000 per person, 30,000 of bodily injury per accident and 5,000 for property damage.  Each state will vary with these but in any case they are all absurdly low considering its possible to cause hundreds of thousands of dollars (if not more) with your car.  Ask a personal injury lawyer how much liability auto insurance you should have considering their role in suing insurance companies and individuals who have caused accidents.

The main point here is that it is important to have adequate liability auto insurance or you could be sorry.  If you can go with the single limit coverage of $500,ooo.

Want to know your state’s minimums?

Tips Regarding Life Insurance Coverage

Its natural to feel that talking about a subject like dying  and life insurance is morbid.  The reality is we are all mortal.  It is wise to face this reality and protect our loved ones in the event we do leave this world early.  With that said I’ve provided tips below that will help in seeking out life insurance coverage.

  1. The first thing to do is to estimate how much coverage you’ll need to purchase.  This is important because you’ll want to make sure you’re not under insured or even over insured.  So you’ll want to sit down and think about all the things that will have to be payed for and come up with an itemized list.   Its in your best interest to think about this very seriously and deeply as you don’t want to miss anything.  Ask yourself questions like:  Do I want my mortgage payed off?  What other debts do I have that I don’t want passing to my spouse and family?  How about college tuition for the kids?  If you need help with this task enlist an insurance professional, financial advisor and or take advantage of an online calculator.
  2. Consider the different types of life insurance coverages that are available.  Its important to understand on a basic level what the differences are between term life insurance, whole life insurance, variable life and universal life insurance.  Don’t let all the choices intimidate you,  just have a basic understanding before for you go shopping.  Most often term life insurance is the most appropriate but not always.
  3. Your employer may offer you a life insurance program.   Find out how much coverage they provide to you for free (if any) and if you can buy more to cover your needs.  Just remember this usually isn’t the end all be all of your life insurance needs.
  4. Buy life insurance from a reputable and financially sound insurance company.  Getting payed by an insolvent company is obviously less likely.  Your state regulates the insurance companies so find out if the prospective life insurance company participates in the  state’s guarantee  fund (which backs up insurance companies in the event they can’t pay) .  At the same time find out how much the guarantee fund covers for life insurance death benefits as well as cash value on policys.  Also take a look how the ratings agency’s  are viewing the insurance company.  Cross check the rating against at least these 4 agencys: AM Best, Fitch, Moodys and S&P.
  5. If you’re going to work with a financial advisor or insurance agent etc. ask them to disclose what they are getting out of selling you a policy.  You could work with a flat fee professional or a commissioned pro.  Either one may be appropriate but its vital to ask about what fees at they are getting out of it.  They are supposed to act in your best interest.  Call your state insurance commissioner’s department to see if the advisor or agent has any complaints against them.  Ask for references and don’t be afraid to conduct an interview with tough questions.
  6. Understand and ask for disclosure on what the insurance company is getting from you fee wise.  Certain types of policies will charge you fees that is in your best interest to know what they are.  This is especially true of variable and universal life insurance policies.
  7. Your health correlates to what your insurance premium cost will be.  So keeping a health life style will not only make you look, and feel better, it increase your life expectancy which equals more affordable insurance premiums.
  8. Use the worldwide web to your advantage in obtaining quotes.  You can go directly to an insurers website and ask for free quotes generally.  There are life insurance quotes services that may make this easier in obtaining multiple quotes.
  9. Don’t forget about using your own personal network for help in with finding an insurer.  Ask for references from your friends and family and their experience in finding life insurance coverage.
  10. Involve those that you’re protecting the life insurance with in this process of finding and understanding life insurance.  This will help them understand what you’ve provided too them and what to expect if you do pass.  It may also help them see the importance of life insurance and teach them how to search for their own policy.

Your Credit can Affect how much your Auto Insurance Costs

Posted on in Auto Insurance

Perhaps you think that auto insurance companies are only concerned about how good your driving record is, how expensive your car is and how extensive your coverage is when setting rates.  Alas there other factors at play and one of those is your credit score.

Auto insurers think this is important because your credit history can give them an idea if they will get paid and if it will be on time.   Also they believe that based on stats that a low credit scores raises the likely hood of an auto insurance claim.  You can be sure that auto insurers will check your credit because they feel they are protecting themselves in an economically uncertain time (especially so because its more likely a policy holder’s financial picture has changed).  Also your credit score is easily accessible and if your credit history changes negatively (especially if its a drastic change)  your auto insurance rate can sky rocket.   This is another very good reason to periodically check to see if there are errors on your credit report.

Is this a correct practice to base an insurance rate on such?  Many believe it is not as consumer advocates have spoken out and some states have passed laws to limit insurance companies using credit to base rates.

Tal vez usted piensa que las compañías de seguros de automóviles son sólo preocupado por lo bien que su registro de conducción es, lo caro que su coche es y como extensión de su cobertura es la hora de establecer las tarifas. Desgraciadamente hay otros factores en juego y uno de ellos es su puntaje de crédito.

Las aseguradoras de automóviles que esto es importante, porque su historial de crédito les puede dar una idea de si se les paga, y si va a llegar a tiempo. También creen que, basándose en las estadísticas que una baja puntuación de crédito aumenta también la probabilidad de una reclamación de seguro de auto.  Usted puede estar seguro de que las aseguradoras de automóviles van a revisar su crédito, porque sienten que están protegiendo a sí mismos en un tiempo de incertidumbre económica (sobre todo porque su situación financiera más probable que un titular de la política ha cambiado). También su puntuación de crédito es de fácil acceso y si su historial de crédito cambia negativamente (sobre todo si es un cambio drástico) su tasa de seguro de auto puede cohete del cielo. Esta es otra buena razón para comprobar periódicamente para ver si hay errores en su informe de crédito.

¿Es esta una práctica correcta de basar una tasa de seguro de tales? Muchos creen que no es tan defensores de los consumidores han hablado y algunos estados han aprobado leyes para limitar las compañías de seguros de crédito con las tasas base.

Have the Proper Coverage Auto Insurance Tip

Posted on in Auto Insurance

Having the proper auto insurance protection is vital to protecting your financial situation.  Go over your policy and all the different components of it.  Start by asking yourself if you have enough liability coverage that if you were to cause injuries and or property damage that amounted to large amount of money  would you be protected?  You could be sued and on the hook for much money if that happened and you didn’t have enough liability.

Comprehensive is another important aspect of you car insurance policy that protects in the event of damange from things like theft, fires, hitting animals on the road etc.  Basically objects that could cause damage other than another automobile.  You definately need it if you have a vehicle with a loan on it and or if it has some valuable to it you couldn’t replace out of pocket.

Collision is a key compenant of a policy covering you to repair damage on your car if you hit another auto.  This is another must for those with loans or when your vehicle can’t be easily replaced or repaired with out of pocket funds.

Want to be covered for your medical bills if in an accident then PIP is important.  Consider other parts of the policy like Uninsured/Undermotorist coverage,  work loss, rental reimbursement all of which you find information this site.

The bottom line is that you want to examine you policy closely and understand the options that are available to you.  This will help you make an informed decision.


Car Insurance for Seniors

Posted on in Auto Insurance

When motorists get into their mid sixties and beyond the chance of being in an accident goes up.  This is because some studies have shown that statistically seniors’ perception on the road, reaction times, and hand to eye coordination diminish. Insurance companies know this and believe they are taking on more risk and therefore will increase car insurance rates for senior drivers.  Here are some ideas to help elderly drivers:

  • If you’ve retired make sure that your insurance company knows it as soon as possible.  Let them know the adjusted amount of miles driven which is surely or even significantly less and therefore should help lower your premiums.
  • As a senior looking to lower your auto insurance rates examine your deductible.  Perhaps you’re only driving locally and have a good amount of savings it may be worth it to look at raising your deductible which will in turn lower your rates.  *This is not a good option if you’re cash strapped.
  • Joining AARP is worth a look.  They are an advocate for folks 50+ and offer valuable services like a driver safety program and they can even provide auto insurance through The Hartford (which may or may not be the best choice).
  • When its time to purchase a new vehicle choose one that has excellent visibility, you’re most comfortable in driving, has a good crash record and is reasonable to insure.
  • Another possible factor in car insurance for seniors is health.  Maintaining your health is not only good for feeling great but your insurance company may ask for records like checkups and vision tests etc.
  • Insurance companies value customers with clean driving records no matter how old.  If you find your current company is not being fair then it shouldn’t be hard to find a new insurer when you have a spotless driver record.  Know matter how tempting it is to speed or be aggressive,  avoid being a bad driver and it will pay off.
  • Make sure to be aware of any state requirements to continue driving.  Some require just a vision test while others require further testing.
  • There will come a time when a senior will need to give up their keys and stop driving.  For further reference I’ve provided a link to this excellent article.

Your Job can be a Factor in Your Auto Insurance Rate

Posted on in Auto Insurance

Your car insurance rate can be figured with different variables like driving record, car value, credit, age etc.  Many are not aware that what one does for a living can have a bearing on this as well.  Now not all insurance companies engage in using jobs in figuring auto insurance rates and some states as well as consumer groups do not look kindly upon this practice.

The reasoning that goes into using job as a rate factor comes from a statistical viewpoint.  Its looked at that if you have a highly strenuous job, drive constantly or otherwise others that have your job have a high rate of claims than it should raise your auto insurance premiums.

Some examples of job positions that are looked at as low risk by insurance companies are scientists, librarians and most performers of the arts.  On the other side occupations looked at as higher risk are lawyers, stock brokers and executives.

In New Jersey there was a bill proposed to ban this practice though it never got debated.  Consumer groups have come out against using job to determine rates.  Even so it is at this point legal for insurance companies to use your job as a determinant in your auto insurance.  This doesn’t mean that you can’t shop around to find a companies not using it;  in fact I’ve heard commercials from companies explicitly saying that they don’t engage in this practice.


Comprehensive Car Insurance: A Short Synopsis

Posted on in Auto Insurance

Comprehensive insurance is the component of your car insurance policy that pays you if your car is stolen or catches on file, hits a deer, is in a flood etc.  Its basically for covering an insured for reasons that could cause damage outside of collision like an “Act of God.”  Its important to examine your policy closely to see what the specifics of your coverage are.

Comprehensive insurance like collision has a deductible you’ll have to pay to repair the vehicle before the insurance company contributes the rest.  Its important to consider your deductible very closely.   For instance if you have a high deductible you’ll have to dish out more money if your car or truck is damaged.

If you are going to buy a new or used car that requires a loan you can be sure you’ll be required to get comprehensive insurance to pay the bank if the car is damaged in a fire, stolen etc.  Otherwise states generally don’t force you to buy this type of insurance.  If your vehicle isn’t worth much and you have the funds to replace it easily it may not be worth it to pay for the comprehensive premium.

The Collision Component of Auto Insurance Coverage and Some Recomendations

Posted on in Auto Insurance

Collision car insurance protects the insured if they are in an accident with another motor vehicle (or another object) in that it covers the cost of repairing the insured’s vehicle.  It is paid to the insured regardless of whether the accident was their fault.  This insurance is almost always a requirement if there is a loan on the car because if the automobile lets say is totaled  it protects the creditor.  It does so because the insurance payment to the policy holder is ideally enough to pay off the loan.  Now if the car is worth less than the loan then the insured has to pay the difference unless they have a gap rider (which is recommended).  If there is no loan on the car collision insurance  is not a requirement though the insured may regret not having it if the car has a least some value and  is badly damaged in a accident especially if it was their fault.

An important aspect of collision insurance is the deductible which is how much the policy holder has to pay out of pocket when the insurance company goes to make payment to repair the vehicle.   It would be better for a driver that does not have a lot of spare cash  to choose a lower deductible.  This is another reason why its important to review one’s auto policy at least once a year.   Another variable in the cost of collision insurance coverage is how much the automobile is worth as a more expensive vehicle will cost more to cover.

On a final note when a claims adjuster makes an offer to make a payment to repair or replace the vehicle that was damaged it certainly does not have to be accepted (especially the first time).  Check out my auto insurance claims tips here.  Sometimes you have to play hard ball with an insurance company if they aren’t being fair.

Personal Injury Protection (PIP) Insurance Coverage

Posted on in Auto Insurance

Personal injury protection insurance or PIP protects the policy holder from medical bills if they are injured in an accident.  This part of auto coverage applies even if the insured is at fault.  Just bear in mind that each state has a major influence in the rules surrounding this auto insurance coverage.  For instance some states necessitate drivers to have PIP where others don’t.  Each state has a say in what kind of treatments are covered as well.

PIP insurance can go beyond just the driver’s medical bills.  It can also pay for income lost due to an accident if the driver is unable to work.  If this is available to you its worth the extra cost especially if you don’t have disability insurance.   Its also possible for PIP to pay for funeral expenses if the driver is killed.   PIP can also cover medical expenses of others in the car at the time of  accident or if  you are a pedestrian that is hit and injured.

A couple of final notes.  If you are in a state where PIP is not required, find out what your medical insurance covers in the event of an accident.  Call your health insurance provider and find out if their are any gaps in what they cover  (as far as car accidents are concerned).  Use PIP coverage to fill in any gaps.  If you drive with others often PIP can protect you from their medical expenses if in an accident while riding in your vehicle.

5 Auto Insurance Claim Tips

Posted on in Auto Insurance
  1. If you’re in an accident contact your insurance company right after the police have been contacted.  Its even better if the insurance company comes out to the scene of the accident before the cars are moved.  If they have to be moved take  pictures from multiple angles before movement occurs.  Doing this should speed up the claims process and help your insurance coverage company too especially if the accident wasn’t your fault.  Helping your insurance company should in turn make things easier for you.
  2. Research what your car was worth before it was damaged in the accident.  Look around to see if you find what a comparable car is selling for in classifieds and at dealers.  Check with price guides as well like Kelley Blue Book.  Also utilize online tools like Edmund’s appraiser.  If you believe your car insurance company is providing less for your claim than what is fair provide your own research to them for review.  Ask them to adjust your claim upwards accordingly.
  3. If you are going to keep the car use a shop you trust.  Your insurance company may advise you to use a certain shop but keep in mind they may be doing this in their own best interest.  They may have some  deal set up with that shop to keep cost down.  Why would they pay more than they have to?  With that said choose an auto shop that is trustworthy that you know can properly fix the automobile with quality parts.
  4. Your state insurance department is on your side protecting you from being under compensated for a claim.  Log onto their website or call them to fully understand the protection they provide you.
  5. As a last resort if the insurance company refuses to cooperate with a fair claim legal arbitration is an option.  If they refuse to arbitrate you may need to call a lawyer for legal action.  Only use this if these is not other way to work with the company.

Car Insurance Ideas for Bad Drivers

Posted on in Auto Insurance

Getting a few black marks on your driving record can be shocking when your insurance company raises your rate substantially.  Even worse they may decide to drop you as customers altogether.  Below are some ideas/suggestions for those without a perfect driving record:

  • Its important to realize that it may take sometime to repair a blemished driving record.  Reflect on your driving record. What can you do to improve your driving habits?  Too many speeding tickets?  Perhaps you’re not giving yourself enough time for your commute or to drive to your other responsibilities.  Too many accidents?  It may be worth considering a defensive driving course which could save you some money and improve your standing with the car insurance company.
  • Risk is the key when an insurance company figures out what your premiums are or even whether or not to provide you with auto  insurance.  Some companies have a higher appetite for risk (for insuring imperfect drivers)  and this be discovered by shopping around.  This is especially true if you’ve lost your insurance as some companies may look at it like gaining your business is your former company’s loss.  In any case shop around, you never know if another company is able to take you  with an imperfect record for less money.
  • If your driving record has left you with no insurance and you can’t get coverage with another company turn to your state insurance commission.  Each state has a program to help uninsured motorists get coverage.  This should be a last resort because the rates are often off the chart.
  • Is your car worth having full coverage on it?  If you own it without any loan and its not worth much perhaps the collision or comprehensive coverage could be dropped.    This is especially true if your driving record is making your premiums insane.  Its pertinent to have proper liability insurance because its the law but also it protects you when you cause damage with your car.

Covington Kentucky Insurance

Posted on in Kentucky Insurance

The following are  insurance agents that offer multiple lines of coverage in Covington, KY:


  • Bilz  - (859)431-1235 -  412 Madison Avenue Covington, Kentucky 41011 – is an independent agency.  They work along with the following carriers in offering coverage: Travelers, KEMI, Safeco, Assurant, Chartis, Acuity, Anthem, Grange and many more.  This broker can help with quotes on health insurance, homeowners, auto, life, umbrella, condo, boat, flood, commercial liability, inland marine, employment practices and more.
  • Burkhart  Agency – (859) 292-8080 – 803 Scott Street Covington, KY 41011 -  is an independent agency.  They use companies like: American Modern, Foremost, Safeco, Anthem, Humana, Hallmark, Progressive etc.  The lines of coverage offered include: homeowners insurance, life, business, workers compensation, auto & more.
  • Christopher Whitehead -  (859) 344-8588 – 1671 Park Road Suite 10 Ft Wright, Kentuck 41011 – is an agent with Allstate.  He can lend a hand with quotes on auto insurance, homeowners, flood, condo, renters, umbrella, landlord, recreational vehicle etc.  He has been with Allstate for a number of years.
  • Hatfield - (859) 261-0761 – 17 West Southern Avenue PO Box 15339 Covington, Kentucky 41015 -  is an independent agency.  They have been around since the 1920s and utilize carriers like: EMC, Safeco, Grange, Farmers, Progressive, Ohio Casualty, KEMI, American Collectors etc.  Their lines of coverage are: Preferred as well as high risk auto insurance, life, homeowners, motorcycle, health, flood, livestock, boat, RV, aviation and others.
  • Thompson-Boerger – (859) 291 3914 – 1514 Dixie Highway, Park Hills, KY 41011 – is a family operation that started in the 1940s.  They are an independent agency that can help and offer assistance with quotes on  life insurance coverage as well as homeowners, business and auto.  They have a staff exceeding five people.

Franklin TN Insurance

Posted on in Tennessee Insurance

These are Franklin, Tennessee agents listed below.  Their contact information is there as well as other useful notes about them like what coverage they may be able to help with.  We are not related for affiliated with them.


  • A2Z - (615) 595-7632- 109 Holiday Court Suite D7, Franklin, Tennessee 37067 – is independent.  They may use carriers including: American Modern, Foremost, Safeco, Donegal, Progressive and others.  The lines of coverage they can assist with are: homeowners insurance, renters, auto, business/commercial lines, motorcycle, earthquake, flood, recreational vehicle etc.
  • Chappell Smith and Associates – (615) 435-8300 – 1006 Merylinger Court, Franklin, TN 37067 -is an independent broker and has been around for over 100 years.   They can be contacted for quotes on car insurance, homeowners, life, health, aviation, workers compensation, inland marine, umbrella, construction and any other lines.
  • Full Service  - (615) 790-0990 – 903 Murfreesboro Road  Franklin, Tennessee 37064 – is an independent agency and has been around for decades.  As far as the types of coverage they can offer: auto insurance, health, life, homeowners, group benefits, business owners, general liability, flood, workers compensation and many more.
  • Holt - (615) 221-7094- 1894 General George Patton Drive Suite 700, Franklin, TN 37067 – was started in 1946.  A few of their carriers are: Donegal, Met Life, Safeco, Travelers etc.  They are available to help with life insurance and more.  This is a family operation.
  • Irvin-Dyal and Brown – (615) 791-5555 – 3326 Aspen Grove Drive Suite 100, Franklin, Tennessee 37067- is an independent agency.  Some of the provider they may use are: Progressive, Hanover, Travelers, Alfa, Zurich etc.  They can be contacted for a hand with: life insurance, fine art, homeowners, health as well as other coverage types.
  • Keith Wainauski – (615) 595-9850- 428 Lewisburg Avenue, Franklin, Tennessee 37064 – is an agent with the company Farmers.  He is available for assistance with homeowners insurance, life, car,  business, motorcycle, land lord, flood, recreational vehicle, renters, general liability and more.
  • Universal – (615) 472-8252 – 504 Autumn Springs Court Suite 29, Franklin, Tennessee 37067 – has been around since 2005 and they are independent.  They use Metlife, Safeco, The Hartford, Chubb as well as other carriers not mentioned.  They will be able to be of use in getting quotes on lines including: auto insurance, health, life, boat, homeowners etc.

Standard Risk, Preferred and Sub-Standard Risk Life Insurance Definitions

With life insurance policies the term standard risk pertains to when an insured doesn’t have any ailment, special condition or otherwise that the company providing coverage would deem riskier than the average (hence the word standard).  This of course is determined in the carrier’s underwriting rules or standards to whom would qualify as standard risk.  The average person without any major health problems but isn’t in athletic condition either would fit into this category.

An individual that is in very good health, considered above the average in their condition health wise and considered low risk as per the insurance company is known a preferred risk.  The factors used to calculated this vary but some things can help an individual get life insurance as preferred risk.  A couple examples would be not to smoke and too have the right blood pressure readings.  There are other factors though that a person cannot not do anything about that may matter to the company, for instance a history of cancer in the family.

Now to the sub-standard risk which is an individual that would be looked at as high risk to give a life insurance policy to.  This would pertain to a person that has a a poor medical history but it can go beyond just that.   A dangerous occupation can play a role as well as other things such as harsh living environment,  family history of disease and more.

Jackson Tennessee Insurance

Posted on in Tennessee Insurance

Jackson Tennessee Insurance brokers are listed below.  This website does not endorse or affiliate with them.

  • Able Agency LLC started in the year 1992 and they use carriers including: Progressive, Travelers, 21st Century and more.  Able can assist with coverage types like: motorcycle, special events, rec vehicle, business owners, auto insurance etc.  Get in touch with them at (731)660-2111 or by going to their location of: 147 Old Hickory Blvd Jackson, TN 38305.
  • A+ Plus can help with a variety of coverage types including: motorcycle, car, boat, renters, vacation home, umbrella, rv, homeowners, flood, workman’s compensation, contractors and other commercial insurance lines.  They are available on the phone by calling: (731) 427-3696 or visiting them at 111 South Liberty Street Jackson, Tennessee 38301.
  • Brandon Jones is an agent working with the carrier State Farm.  He can help with lines including: auto insurance, health, renters, disability, life, homeowners etc.  Get him on the phone by calling: (731) 660-6800 or his business is situated at 2152 North Highland Avenue Jackson, Tennessee 38305.
  • Jeremy Little is an agent with the company Shelter.   He can be of assistance with car insurance, motorcycle, atv, farm, renters, umbrella, personal articles, homeowners, business owners, general liability, commercial fire coverage and more.  His office can be reached at (731) 664-5457 or is located at 180 West University Parkway Jackson, TN 38305.
  • Raymond Wiggins works with company Nationwide.   His phone # is (731) 668-8090 and location is 188 Carriage House Dr Jackson, Tennessee.
  • White and Associates has an office locally and they offer a range of coverage products some of which are: auto, farm, crop, health, life, business  interruption, workers compensation, employment practices, umbrella, homeowners insurance and more.  They use companies like GuideOne, Safeco, Allstate, Foremost etc.  Get in contact with them on the phone at (731) 664-2700 or their local office is at: 18 Conrad Drive Jackson, TN 38305.

Albuquerque New Mexico Insurance Agents

Posted on in New Mexico Insurance

Below is a directory of Albuquerque, New Mexico insurance agents.  Their contact information is listed as well as the lines of coverage offered.  We have no relation or affiliation to them.



Advanced American is an independent agency

Their address is: 6211 4th Street NW Suite 16, Albuquerque, New Mexico 87107

Phone them at (505) 345-8757

Carriers: American Modern, Gainsco, Dairyland, The Hartford and others

Lines of coverage include auto insurance, homeowners, renters, motorcycle etc.



AIP does business in a few states

Call them at (505) 836-5511

Local Location: 139 Old Coors Drive SW Suite C, Albuquerque, New Mexico 87121c

Progessive and more

Car insurance, boat, disability, homeowners, life, motorcycle, business, worker comp, industry specific etc.



Berger-Briggs has been in operation since 1937

Available on the phone at (505) 247-0444

They are found at 4333 Pan American Freeway NE, Albuquerque, New Mexico 87107

Offers insurance as well as real estate assistance



Cohn Agency Company 

Reach them by phone at: (505) 899-0456

Find them at: 5101 Coors Boulevard NW Suite D, Albuquerque, NM 87120

Carriers: Titan, Safeco, Progressive, Dairyland, Hartford

Life insurance, homeowners, auto and business



Downey & Company was started in 1985 and they are independent

Address: 6565 Americas Parkway NE Suite 750, Albuquerque, NM 87110

Can be reached at: (505) 881-0300

Commercial auto insurance, builders risk, employment practices,  umbrella etc.



George Gandy is independent

Located at: 5505 Lomas Blvd NE, Albuquerque, New Mexico 87110

(505) 256-8158 for assistance

Homeowners insurance, car, motorcycle, renters, life, health, rec vehicle and more



Karla Ludi Agency

Address: 500 San Mateo Boulevard NE, Albuquerque, NM 87108

(505) 268-7777 for quotes

Fidelity National, Allstate, Bristol West, GMAC, Liberty Mutual, Mercury, Safeco, Travelers

Auto insurance, homeowners, auto, renters, flood, umbrella, earthquake, boat



Manuel Lujan was started in 1926

4801 Indian School Rd NE, Albuquerque, NM 87110

Phone number: (505) 266-7771

Large private agency representing many companies

Specializes in business insurance



Northernwas started in the year 1972 and are independent

Office location: 6565 Americas Parkway NE Suite 200, Albuquerque, New Mexico 87110

Call them at (866) 350-6686

Carriers include: Acuity, American Modern, Blue Cross, Travelers, Encompass, Safeco, Zurich, Progressive, Titan, Phiadelphia, United Healthcare, Foremost, CNA and more

Lines of coverage include:  life insurance, builders risk, commercial, group benefits, long term care, homeowners, auto, trucking, employment practices, business owners etc.



Sunset is an independent agency

Find them at: 2701 San Pedro Drive NE Ste 21, Albuquerque, NM 87110

Call (505) 247-2578

Homeowners insurance, health, workers comp, auto etc.


Its important to shop around when looking to purchase coverage and ask for serveral quotes and compare options thoroughly.  Doing this may get one the most competitive rates though getting the correct protection is vital as well.  Check an agents credentials in depth before doing business.


Rio Rancho NM Insurance Agents

Posted on in New Mexico Insurance

The following is a list of insurance agents in Rio Rancho, New Mexico.  He do not endorse nor are we affiliated with them.


Anthony J Delgado is an agent with the Company Allstate

Address: 1015 Golf Course Road SE, Rio Rancho, New Mexico 87124

Reach him by telephone at (505) 896-0790

He can assist with auto insurance, homeowner, business lines and more


Andrew Abeyta is affiliated with the company know as State Farm

1751 Rio Rancho Dr SE Ste 102, Rio Rancho, NM 87124

He can be Contact at number:: (505) 892-1810

Offer help with car insurance, renters, life coverage homeowners etc.

Chris P Anderson is associated with  carrier Allstate

He is located at 2003 Southern Blvd SE, Rio Rancho, NM 87124

Reach him on the telephone by calling: (505) 994-1955

Can assist with life insurance, homeowners, auto etc.


Christy Page works with the company Farmers

Location: 4351 Jager Drive NE Suite F, Rio Rancho, New Mexico 87144

Reach her by phone at (505) 771-3035

Homeowners, business property, general liability, workers compensation, rec vehicle, car, life coverage, business auto plus more.


Christine Espinosa is a Broker with Farmers

Her office is at 1700 Southern Blvd SE, Rio Rancho, NM 87124

Contact her at (505) 891-2200

Homeowners insurance, life, motorcycle, auto, business lines etc.


Gabe Ortega is associated with State Farm

This agent with found at 7820 Enchanted Hills Boulevd NE Suite F, Rio Rancho, NM 87144

Give him a call at the number of (505) 771-8872

Car, renters, life, homeowners coverage etc.


Holcey Wilkins is with Farmers

Find her at :2740 Northern Blvd NE Ste 101, Rio Rancho, NM 87124

Call (505) 896-5566 for help with various lines of coverage.


Raymond McKinne is an agent with the carrier Farmers.

His office can visited at: 2105 Golf Course Rd SE Ste A, Rio Rancho, NM 87124

Reach him by telephone at (505) 892-4313

Can get quotes on auto insurance, homeowners, business lines and more.


Route 66is a local independent agency

They are found at the address 4015 Peggy Road SE, Rio Rancho, New Mexico 87124

Get them on the phone at (505) 892-7400

They use carriers like Safeco and can assist Spanish speakers


Streamline specializes in commercial truck coverage

Found at the address of: 750 Broadmoor Blvd NE, Rio Rancho, NM 87124

Can be reached on the phone at (505) 896-1118

Offers help with personal and commercial auto insurance, workers comp, homeowners, umbrella, motorcycle, boat etc.

The Hartford, Victoria and more carriers

Auto Insurance in New Jersey NJ

Here you’ll find important information about auto insurance in the state of New Jersey.

New Jersey Auto Insurance Companies

  • New Jersey Manufacturers (NJM):  formed in Trenton in 1913 this local insurance company is headquartered in West Trenton and employs about 2500 people.  AM Best has given NJM a superior financial strength score of A++.  NJM currently insures roughly 400,000.  They are a mutual insurance company (owned by those that have policies) and have paid policy holders dividends back at the end of each year for several years.   There is some eligibility requirements to be aware of before applying which can be viewed here or if you want to call here is the phone number: 1-800-232-6600.
  • Citizens United Reciprocal Exchange (CURE):  started in 1990 to address the car insurance underwriting problems in New Jersey.  Cure is a non-profit company that prides itself in not being owned by outside investors and not using credit or occupation when determining premiums.  They can be contacted at 800-535-CURE (2873).
  • Palisades :  created in 1992 this New Jersey car insurance company received in 2010 very high marks (only 2nd to NJM) in having the lowest complaint ratio which is measured by New Jersey Department of Banking and Insurance.  Palisades phone number is 877.PAL.NICE (877.725.6423).
  • Selective Group:  founded in the 1920s in Branchville, NJ and today still has their corporate office located there.  They insured 52,942 motor vehicles in the garden state in 2010.  Selective sells insurance through agents which can be searched for on their website  Their telephone contact # is 1-800-777-9656.

New Jersey Insurance Coverage Standards

  • The minimum auto liability coverage for the standard type policy  is $15,000 for bodily injury per person for each accident /30,000 total bodily injury per accident /5,000 property damage.  The basic policy (beware of this bar bones policy) only requires $5000 of property damage insurance. 
  • On the other side of the spectrum the maximums for the liability coverages are 250,000/500,000/100,000.  If more coverage than that is desired than a personal umbrella policy can provide additional protection.
  • Uninsured/Underinsured Motorist Coverage in NJ: It is required to have at least $5000 for UM/UIM  property damage .  As for uninsured bodily injury protection it can be purchased with the standard policy but not with the basic.
  • In NJ there are 2 options as far as being able to sue another party that causes injury.  With the standard type of policy there is an option of unlimited right to sue which will allow litigation for pain and suffering from any injury.  The limited right to sue if chosen will prevent one from suing unless the injury is permanent and severe like losing a limb.  The basic policy automatically only has the limited right to sue option.
  • Personal Injury Protection (PIP) minimums for both policy types are 15,000 per person per accident.  Both the standard and basic policy allow for more coverage to be purchased often up to $250,000 though there may be restrictions.

New Jersey Car Insurance Statistics and State Contact

  • New Jerseyans pay the 3rd highest auto insurance rates in the nation currently.
  • There are 5.3 million motorists with car insurance in NJ.
  • The latest stats available form the New Jersey Department of Transportation indicate that there were 301,233 total accidents in 2009 (statewide)and 303,013 total in 2008.  In 2009, 549 of those accidents were fatal and 555 in 2008.  More related data is available here.
  • The Department of Banking and Insurance is located at 20 West State St. Trenton, NJ.  Their contact number is 609-292-7272 or 1-800-446-7467 (hotline for complaints).  More valuable information about insurance and very helpful consumer information can be found here.  They also provide a useful buyer’s guide on their site that makes some suggestions on what to think about when looking to purchase coverage.  For instance it mentions how its important to understand your needs, options and consumer protections.   There is a state program for those that can’t find auto insurance because of bad driving records, it is know at PAIP.   Another useful tool on the NJDOBI’s site is there is a search by county of PAIP producers; these are agents that can assist the high risk market.



New Jersey Auto Insurance Quote Search

To help find auto insurance in New Jersey quotes with ease I’ve provided links, phone numbers and addresses below.  Remember its usually worth the time to shop around when shopping for car insurance in order to save money.  By the way the companies below all had 0 valid complaints against them in 2010 (according to the New Jersey Department of Banking & Insurance).


  • New Jersey Manufacturers (NJM):  Online quote, the contact phone number is 1-800-232-6600.  Their mailing address is NJM Insurance Group 301 Sullivan Way PO Box 428 West Trenton, NJ 08628-0227.
  • Palisades Group:  For a quote click here, if you wish email them its  Their contact phone number is 866-669-6447 and corporate address is: Palisades Connell Corporate Park 200 Connell Drive Suite 3000 Berkeley Heights, NJ 07922.  They offer a live chat on the website as well at
  • Esurance Insurance Company of New Jersey:  Get a quote, call them at 1-800-378-7262 and the address is 131 Morristown Rd. Bernardsville, NJ 07924.
  • IDS Property and Casualty Insurance Company:  Request a quote online or call them at 1-800-535-2001.  The address for IDS: 3500 Packerland Dr. De Pere, WI 54115.
  • Farm Family Casualty Insurance Co:  Find an agent or contact at the following number 1-800-843-3276.
  • Chubb Insurance Co. of New Jersey:  Ask for quote, Chubb’s marketing phone number is 1-866-324-8222.
  • Founders Insurance Company (part of Penn National Insurance): Search for an agent, they can be called as well at 1-800-388-4764.
  • Electric Insurance Company: Online quote, call them on the phone at 1-800-342-5342 or for questions send an email
  • Banker Standard Ins Company Co:  Their phone number is 1-800-444-6161 (website or online quote not found).



Las Cruces New Mexico Insurance

Posted on in New Mexico Insurance

The following are insurance agents in the city of Las Cruces, New Mexico.  We’ve listed their contact info and what lines they offer plus more.  This website has no affilition with any of these brokers.


Betty Solis is an agent with the company Farmers.  She is located at 3850 Foothills Road Suite 13, Las Cruces, New Mexico 88011 and can be reached on the phone at (575) 525-3106.  Her office staff can assist Spanish speakers.  Coverage lines offered include: auto insurance, motorcycle, life, homeowners, rec vehicle etc.


Bob Gomez is a broker associated with the company State Farm.  He can be contacted at phone number: (575) 524-0237 for quotes on homeowners insurance, life, renters, car etc.  His office is at:1615 N Solano Dr Ste B, Las Cruces, New Mexico 88001.


David Patterson is associated with the entity Farmers Get him on the phone by dialing # (575) 525-0540 or he is available at the location of 1510 South Solano Drive Suite East, Las Cruces, NM 88001.  He can be of use with help with life insurance, homeowners, car, motorcycle plus more.


Dawna Vince works with the carrier Allstate.  She can be contacted the following telephone number: (575) 523-5500.  This broker’s address is 280 E Foster Road, Las Cruces, New Mexico 88005.  Her office can assist with auto insurance, homeowners, condo, renter, business, boat, flood coverage and more.


Gregg Martin is a broker with the company Farmers.  Gregg Martin’s contact phone # is the following: (575) 525-3107.  He can furnish quotes on life insurance, homeowners, auto, motorcycle, buiness property, general liability, crime coverage, rec vehicle etc.  He is found at:250 West Amador Avenue  Las Cruces, New Mexico 88005.


HUB International is a large brokerage firm with a local office at530 North Telshor Blvd Ste D, Las Cruces, NM 88011.  They can be called on the telephone at (505) 524-8686 for a hand with auto insurance, homeowners, boat, valuable articles, aviation, health, renters, condo, collector car, rec vehicles, traveler coverage and more.


Kelly Gonzales is a local Allstate Personal Financial Representative who can be phoned at (575) 526-6082 for assistance with several lines of coverage.  To see her in person go to 455 North Valley Drive Suite 5, Las Cruces, New Mexico 88005.


Kenneth Miyagishima works with the company Farmers and can be of use with several coverage types like: homeowners insurance, car, life, motorcycle, umbrella, business property, liability, work compensation etc.  He is available at: 1510 South Solano Drive, Las Cruces, NM 88001 or on the phone by calling (575) 521-4444.


Kent Byers is associated with the carrier State Farm.  His office staff can speak Spanish and the address is found at 3201 South Main Street Suite B, Las Cruces, New Mexico 88005.  The phone number is (575) 523-7881 and they can lend a hand with renter insurance, homeowners, auto, life etc.


Kimberly Zepeda is with the entity Farmers and can be reached at phone # (575) 525-1511.  Her office can assist Spanish speakers.  They offer a hand with life insurance, business, car, recreational and more.  The address is: 250 West Amador Avenue Suite 101, Las Cruces, NM 88005.


Martha Sanchez is with Farmers and can be called at the phone number of: (575) 527-9889.   Their office will be able to help Spanish speakers and is at: 100 Wyatt Drive Suite C, Las Cruces, NM 88005.  Products they office include:  auto, homeowners, life + others.


Mary Iadicicco is an agent with the entity Allstate.  She can dialed at number: (575) 522-4350 or can be seen in person at 3850 Foothills Road Suite 2 Las Cruces, New Mexico 88011.


Mike Apodaca is a broker with State Farm and offers their products.  To reach him on the phone for quotes call (575) 526-2409 or other he is available at the location: 1100 South Main Street Suite 103, Las Cruces, NM 88005.


Pat Campbell is a local independent agency that has been in business since the year 1946.  They have a large product line which include coverage on: auto, homeowners, life, health insurance, umbrella, commercial general liability, workers compensation, professional liability and more.  This agency uses many carriers like: Acadia, Assurant, Blue Cross Blue Shield, Dairyland, Firemans Fund, Foremost, Liberty Mutual, Ohio Casualty, Zurich plus more.  They are found at the location of 141 South Roadrunner Parkway Suite 109, Las Cruces, New Mexico 88011 or can be dialed at  (575) 524-8642.


Phil Karnes works with the carrier Farmers and is available at 900 North Main Street Ste C, Las Cruces, New Mexico 88001.  This broker can be called at (575) 524-8525.


Randolph Castillo is with Allstate & situated at  3201 S Main St Ste A, Las Cruces, NM 88005.  Call him at  (575) 527-2931 for a hand with homeowners insurance, condo, auto, motorcycle, flood coverage etc.


Ray Edward Holguin is a personal financial representative with the company Allstate.  His office is at the address of: 324 West Amador Avenue, Las Cruces, New Mexico 88005 or otherwise reach out to him at (575) 525-9645.


Richard Griego works along with the carrier State Farm and has been with them since 1994.  Call him at the number: (575) 523-2451 for quotes on life insurance, renters, auto, homeowners etc.  Otherwise he is available at: 2001 East Lohman Avenue Suite 112, Las Cruces, NM 88001.


Rio Grande Insurance does business in more than 3 states.  The utilize several carriers including: Acuity, AARP, Allied, American Modern, ACIC, AllState, Arrow Head Exchange, American Reliable, Blue Cross Blue Shield, Burns & Wilcox, Bristol West, Capitol, CNA, Cbic, Dairyland, Colonial General, Commerce West, Delta Dental, Encompass, Foremost, Progressive, Travelers, Victoria and several others.  They can help with lines like: health insurance, homeowners, auto, commercial etc.  Their local address is at 1675 East Lohman Avenue Las Cruces, New Mexico 88001 or they can be phoned at # (575) 524-1677.


Samuel Garcia is a broker associated with the entity Farmers and can help with their products.  His office can be seen at 100 Wyatt Drive Suite C, Las Cruces, NM 88005 or telephone number is (575) 525-6703.


Tourtillott Insurance Agency is available at the # (575) 647-1920 and their office is at 2263 South Main Street, Las Cruces, New Mexico 88005.


Western States – Insurance Center of the Southwest is independent  and offers assistance with many coverage types like auto, homeowners, life,  commercial, group coverage and more.  They use a number of insurers like: CNA, Sentry, Encompass, Hole in One USA, Mutual of Omaha, Ohio Casualty, Progressive, Safeco etc.  There office is at 1065 South Main St Ste C, Las Cruces, NM 88005 or they can be called at their phone number which is the following: (575) 647-4475.