There are typically three ways you can purchase insurance coverage:   1)      On the internet 2)      A captive insurance agent 3)      An independent insurance agent   On the internet, you are generally being offered coverage from only one insurance company.  That company is not located in your neighborhood.  It is not part of your community.  … Read more →

It happens all of the time. You’re frustrated with the cost of your home or auto insurance policy and start looking around. Eventually you get a quote either from an agent or on the internet that looks like it will save you money. What exactly did you just buy? How does the policy you found … Read more →