If you own something collectible that is worth quite a lot of value, one thing you may have found is that attaching collectibles to your homeowners insurance as scheduled property provides very lousy coverage as far as what is covered and how much is covered. If you want to get maximum coverage for your collectibles at a minimum premium, you really need to check out American Collectors Insurance (ACI).
As a customer, ACI offers advantages that most companies don't:
What American Collectors Insurance covers:
What ACI DOES NOT INSURE!
How much does collectibles insurance cost?
For coverage of $10,000 or less, yearly premium is usually $75 per year. For coverage over $10,000, yearly premium is usually 0.75% of the coverage. This 0.75% rate includes all of the additional optional coverages that are usually not available on other collectible policies.
Why is collectible insurance with ACI better than other companies?
If you would like to get a quote with American Collectors Insurance, simply click on the link below and I will run your quote, and contact you with rates and answer any questions you have. And as always, I handle all quotes personally and privately, and do not share your information with anyone.
Get a Collectibles Insurance Quote with Lyles Insurance
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If you're looking to shop around for the best auto insurance rate for liability coverage, Dairyland is definitely a company you want to include. For auto insurance policies that only need liability coverage, Dairyland's rates are tough to beat! Here are ten reasons why Dairyland is a great company to get a quote with:
Summary: For those of you who are looking to get the best rate on liability auto insurance, and/or you have dings on your driving record, shopping around is very important. Dairyland is definitely one of the companies that you will want to check out.
For those who live in the states of Ohio, Indiana, Pennsylvania, Virginia and West Virginia, I'll be happy to run a quote for you. Simply click on one of the two links below. And as always, I handle all quotes personally and privately, and do not share or sell your information to anyone.
Get a Dairyland Auto Insurance Quote with Lyles Insurance here if you own a vehicle
Get a Dairyland Named Op. Quote with Lyles Insurance here if you don't own a vehicle
If you are required to carry some type of surety bond in Ohio. You might at first be overwhelmed about knowing where to start. Shopping for, and buying a surety bond is similar to buying insurance in many ways, and also quite different in other ways:
How a surety bond is similar to insurance:
How a surety bond is different from insurance:
Types of Surety Bonds: This is not an all inclusive list because of the wide variety of different types of surety bonds. But most bonds fall in one of the following categories:
How do I start the process of acquiring a surety bond in Ohio?
Before you begin to get a quote for a surety bond, it's very important to know exactly what type of bond you need, and what amount the bond needs to be written for. Once you have that information, you can begin to look for surety bond prices by getting a surety bond quote.
The Next Steps:
Summary: Buying a surety bond can be much more complicated than compared to buying insurance. But if you go through an agent or broker, they can make the process much more simple and much less aggravating as opposed to trying to do it all by yourself. That's what agents/brokers are there for. Take advantage of them!
If you would like to get a surety bond quote through my agency, I will be happy to help you with every step along the way. I currently use two major surety bond brokerage firms to help find you the best rate. Both firms use dozens of surety bond companies to accommodate you as best that they can. And as always, I handle all quotes personally and privately. I never share or sell your information to anyone.
Get a Surety Bond Quote with Lyles Insurance
When you purchase an RV, it is very simple for you to add the RV onto your auto insurance policy. Many auto insurance companies do cover RV's on a regular auto insurance policy. However, even though the coverages seem the same, they're not! There are some very important coverages associated with an exclusive RV policy that are not available when attached to an auto insurance policy.
Here are eight reasons why having specific RV insurance is better than simply attaching your RV to an auto insurance policy. In all of these eight reasons, attaching an RV onto an auto insurance policy falls short in someway. Either that type of coverage is not offered at all, or if it is, it's not offered to an adequate level that an RV insurance policy needs.
If you would like to get an exclusive RV insurance quote, click on the link below and I will run your information through my companies. I will find you the best coverage I can for the lowest rate. And as always, I handle all quotes personally and privately.
Get an RV Insurance Quote with Lyles Insurance
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Where can I find cheap auto insurance in Pennsylvania with a bad driving record?
If you have had accidents, tickets, claims, DUI's etc. you might think it's impossible to find an affordable auto insurance rate. However, I have found several auto insurance companies in PA that go easy on drivers with dings on their driving record. Finding affordable PA auto insurance is doable, you just need to look a little farther.
Where should I start looking for the lowest rate?
Trying to get an auto insurance quote from each auto insurance company at a time is not efficient. It is much easier for you to simply get a quote with an independent agent particularly one who specializes in high-risk insurance. That makes it much more efficient for you as a consumer. It's much easier to simply let an agent do the shopping around for you. That way, you're saving a lot of time.
Why do I seem to be penalized more in auto insurance premium for having a bad driving record, compared to other states?
Without getting into a long explanation, it basically boils down to not having as many companies in PA that go easy on drivers with marks on their driving record (aka "high risk drivers"). Why is that? .... Two reasons:
Thankfully, not all of the auto insurance companies that are high risk friendly have jumped ship. You can still find a decent rate out there if you simply shop around.
What else can I do to keep premiums low?
Once something goes on your driving record, there's not much in your control beyond your control as far as your record is concerned (other than letting time pass). But you can lower the auto insurance coverage you have:
Raise the deductibles on comprehensive and collision coverage.
Drop added optional coverages such as roadside assistance and rental reimbursement.
Trade your vehicle in for an older, less expensive vehicle that doesn't need comprehensive and collision coverage.
**** Warning: By lowering coverages above, you are simply reducing coverage on a controlled basis. By controlled basis, I mean that you know the impact in dollars of what an accident will cost you out of pocket. Lowering this part of your coverage is ok. BUT......
What you DO NOT want to do is drop or lower coverages where the added risk is unknown in terms of dollars. This includes:
Both of those are BAD IDEAS! Because in a serious auto accident, you have no clue what the cost of injuries will be. Therefore, it is an un-controlled risk.
If you would like to get an auto insurance quote with my agency, simply click on the link below. I will run your information through my companies and find you the company with the best rate. And as always, I handle all quotes personally and privately.
Get a Pennsylvania auto insurance quote with Lyles Insurance
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Where can I find the cheapest mobile home insurance rate in West Virginia?
Finding affordable mobile home insurance in West Virginia is easier than you might think. Although there are not too many companies that sell mobile home insurance compared to other insurance products, there are still enough mobile home insurance companies to where you can find a decent rate.
One of the problems of finding an affordable mobile home insurance rate in West Virginia is the fact that most quotes are done one company at a time. You are much better off getting a mobile home insurance quote with an independent agent that can do the shopping around for you.
Can I still find coverage if I have filed a major claim in the past 5 years?
More and more, insurance companies are cancelling mobile home insurance policies simply for filing a single claim. This is especially true if the claim resulted from a fire, or liability was paid out due to a dog bite. Fortunately, I do have companies who go easy on mobile homeowners who have had previous claims. Filing a recent claim will most likely not cause you to be denied coverage with the companies I carry.
What type of mobile home insurance coverages are offered?
This is not an all inclusive list, but here are the basic coverages that any good mobile home policy should offer:
Can I insure my home on a replacement cost basis?
This answer varies from company to company, but with most companies, a mobile home can be insured on a replacement cost basis if the home is 10 years or newer. Once insured on a replacement cost basis, you can keep it that way until the home reaches 16 years old. At that time, your policy will automatically revert to insuring on an actual cash value basis.
If you would like to get a online mobile home insurance quote through my companies, I will be happy to do the shopping around for you. Select the level of coverage that you prefer and I will see which company comes out the cheapest. And as always, all quote information is handled personally and privately by myself. I do not sell or share your information with anyone.
Get a mobile home insurance quote with Lyles Insurance
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Finding snowmobile insurance in Pennsylvania is very easy. Due to the fact that Pennsylvania is one of the few states that require all snowmobile owners to carry liability insurance coverage, many companies are happy to step up and offer coverage.
However, be warned that not all policies are the same. Not even close! Many snowmobile insurance policies are very inadequate as far as what is covered and how much coverage is offered.
So I came up with a checklist for those of you to review your snowmobile insurance policy before you buy.
Look at the policy language closely. You're going to find some shortcomings in your coverage. This is especially true if you attach your snowmobile directly on to a homeowners insurance policy, as opposed to buying stand-alone snowmobile insurance coverage. And as you will notice, most of the shortcomings apply to exactly that.
So before you pay for inadequate coverage, make sure your snowmobile insurance passes this checklist. If not you are severely limiting coverage.
If you would like to get a PA Snowmobile Insurance quote with my agency, simply click on the link below and fill out one short quote form. I will then run your quote through my snowmobile insurance companies and find you the company with the best rate. And as always, I handle all quotes personally and privately.
Get a PA Snowmobile Insurance Quote with Lyles Insurance
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Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..