E-Bikes and E-Scooters: You’re Probably Not Covered
Transcript: Why hello there, I’m David Harriman, home and auto insurance broker extraordinaire, insuring people from Whitefish, MT, to Lone Tree, CO! Oh how I wish I were a normal person. Then, during summer, when I watch everyone riding around on their cool new e-bikes (electric bikes) or those little e-scooters (electric scooters) that […]
Uninsured and Underinsured Motorists Coverage – Do You Need It?
Transcript: Uninsured and underinsured motorist coverage: do you need it and why? Okay so uninsured and underinsured motorist coverage kicks in at the person who hit you was at fault for the accident and either had no insurance or not enough insurance to cover yours or your passengers’ injuries and injury-related damages. So a lot […]
Liability Coverage is THE MOST IMPORTANT Coverage on Your Auto Policy
Insuring against financial ruin is far more important to your financial success in life, than insuring against financial inconvenience. If you have equity in your home, money in the bank, or a solid income, you’re a much more attractive risk for a potential lawsuit than someone without those things. Carrying a lot of liability coverage […]
The Number One Mistake Drivers Make on Coverage
Stop Prioritizing Financial Inconvenience. Prioritize Financial Ruin. The most common mistake consumers make when buying auto insurance is focusing on insuring against potential financial inconvenience, rather than insuring against potential financial ruin. It’s an easy fix, and it’s not that expensive. Bottom line: if you have assets, even if you’re not wealthy, carry A LOT […]
How Auto Insurance Works When You’re Borrowing a Friend’s Car
Transcript: Hey I’m Dave Harriman home and auto insurance broker extraordinaire, insuring drivers from Whitefish, MT, to Lone Tree, CO! A Lone Tree client recently asked “what happens when I borrow a friend’s car?” I don’t know about you, but I like to see how much air I can get when I go across an […]
Why is auto insurance so expensive?
Whether you’re in Whitefish, Montana, Lone Tree, Colorado, or Tustin, California, the answer to this question’s going to be the same. Transcript: Hey there I’m Dave Harriman home and auto insurance broker extraordinaire! Alright I am going to address a question I’m asked all the time, which is: why am I getting older, not […]
Answer to: What is Uninsured/Underinsured Motorist Coverage?
Transcript: Hey, just when you thought life couldn’t get any better, we can talk about uninsured and underinsured motorist coverage. Excited? Me too. Alright, look at this. Here is my own auto insurance policy. I am paying $310 per year to have uninsured and underinsured motorist coverage on my policy. That’s crazy! Why am I […]
Why Auto Insurance is Getting So Expensive
WHY DO MY AUTO INSURANCE RATES KEEP GOING UP? If you have car insurance and pay attention to how much you pay for it every year, odds are good that you’re pretty fed up with your auto insurance rates going up every six to eighteen months. I assure you, you’re not alone. No matter what […]
Why Does Your Auto Insurance Rate Keep Going Up?
Paying for auto insurance is a serious bummer. Much like home gyms, most people go years without ever using theirs. Nonetheless, their insurance rates continue to rise. What the heck!? Whether it’s fair, or not, understand that just because you haven’t had an accident recently, doesn’t mean you’re not going to have an accident in […]
What is full coverage auto insurance?
What the heck is with “full coverage” being an accepted term in the auto insurance industry? I have news for you: There’s absolutely no such thing as full coverage. What do you think of when you’re told you have full coverage? It would be reasonable for you to think you have a policy that covers […]
