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As drivers, humans can sometimes make bad decisions and cause accidents.  


Moving. It can be the best of times. It can be the worst of times. But for better or worse, the average American will change homes 11.4 times during his or her lifetime.  Amid the excitement and stress, it’s easy to forget that moving will affect your home and auto insurance. You'll want to be prepared to avoid any additional stress.


When you’re just starting out, it often seems that a dollar never stretches far enough.  That said, many people overlook the one thing they need more than ever, life insurance.  

sticky notes with auto, home, umbrella illustrations

Before we dive right in, we want to first touch on how rates are determined.  Insurance can be complex and frustrating, so we hope to provide a little bit of clarity.  It’s common to be confused by the following: Homeowner A and his/her neighbor, Homeowner B, both owning similar homes, are paying very different insurance rates.   Driver A, with two teenage drivers, pays much more in premium than Driver B, with two teen drivers.  What gives?  How are insurance rates calculated and what factors are affecting these rates? 


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