The Worst Kept Insurance Secrets… Shhh, don’t tell on us!
Welcome! Here you can find great free tips, tricks, and education on insurance as well as a few things for a better life.
We get that insurance is often like a different language which can leave you with a big bill if you don’t have the right kind of policy. The Agoff Agency is a team of insurance specialists who are always thinking of ways to help and educate others about the ins and outs of insurance. We hope that more people get to learn upfront what their policies cover instead of learning far too late what they do not.
Insurance should be a safety net, letting you breathe easy. We’re here to break down insurance for you so you can have the tools and knowledge at your fingertips.
To the right you can find our two most recent posts so you can always stay up-to-date, as well as a collection of quick tips. Below are all of our other articles sorted by topic. Please leave us a comment if our musings inspire you and, of course, let us know if you have a good idea for a topic that we should touch on!
Meet Amelia Gyde
Amelia Gyde comes to our agency with compliance and customer [...]
Meet our Intern Deiahdeen
My name is Deiahdeen Alhjaj and I am a [...]
Tip #4: Take pictures of your furniture and other belongings in your home and email them to yourself. This way, if any thing is stolen or burned in a fire you have easy proof of items to be replaced during a claim.
Tip #15: Shopping for a new car? ALWAYS have your insurance agent quote what the cost will be before you purchase a new car. The cost to insure that new ride may surprise you depending on the make and model.
Tip #2: An auto policy does NOT cover your belongings in your car. It only covers the vehicle itself.
Tip #13: Rent out part of your home for Airbnb or another similar short term rental service? This is not covered on a typical home policy unless you add such coverage. If your renters do damage or steal and you have not added the coverage, your claim will likely be declined.
Tip #7: Many renters policies will pay for lodging elsewhere during a claim if your place is uninhabitable after an event such as a fire or water damage.
Tip #5: Insurance companies do NOT automatically pay for you to have a rental car. Most often, you must ask for this coverage to be added to your policy.
Tip #9: We say, “Lend your car, lend your insurance.” If a friend borrows your car and is in an accident, yes that accident will go on their record, but because it is your car that was damaged and your insurance that may pay out for the accident, it will affect your claims record too.
Tip #12: Yes, in many states your personal credit does impact your insurance price, so continue improving your credit and you should see a reduction in your pricing. Just ask for a re-rate!
Tip #11: Do you operate as your own business, like a realtor or contractor, and use your car for work purposes, such as going to and from appointments or client houses? This may be seen as business use in the event of an accident! Be sure you have business use coverage on your personal auto policy.
Tip #10: Hate paying steep daily rental car insurance while traveling? You current policy may already cover you. Our policies do! It’s a great way to save, instead of paying that extra $30+ a day.
Tip #19: Worried about your rate skyrocketing after an accident? You may be able to earn or add accident forgiveness to protect against it. Spoiler! We offer both as well as ticket forgiveness.
Tip #8: Not all driving score apps are the same. Some companies will increase your rate if they don’t like your driving. Be sure you know the impacts of trying an app out. Spoiler! Our app only gives a discount as kudos for being aware of your driving.
Tip #17: Don’t want generic parts used to fix your car after an accident? You may have the option for OEM coverage (Original equipment manufacturer) to pay for parts directly from the actual manufacturer, which are often more expensive.
Tip #6: Bought a brand new car but worried about depreciation? We offer new car replacement coverage so it your car is totaled, your payout will be enough to get another brand new car, even if it is a few years old. So you may even get an upgrade!
Tip #18: Customized your car? Maybe with a fancy sound system, an after market fender, or other adjustments? You likely added value to your car, but your car insurance will likely just pay out the original value. Be sure to ask about adding in your customizations.
Tip #3: Not using many perks from your AAA roadside service membership? You may save you $80+ a year by adding towing to your auto policy instead.
Tip #1: “Storage” coverage is a great option to save money if you are not driving a secondary vehicle.
Tip #16: Not a doctor, firefighter, or member of the armed forces? No worries. Ask about an occupational discount! The list of options will surprise you and it never hurts to ask!
Tip #14: Use your car delivering goods for Grubhub, Amazon flex, or another delivery service? Chances are you car insurance does not cover the drives you are making to and from delivery locations. Make sure to add this coverage!
Meet Amelia Gyde
Amelia Gyde comes to our agency with compliance and customer [...]
Meet our Intern Deiahdeen
My name is Deiahdeen Alhjaj and I am a [...]
Tip #6: Bought a brand new car but worried about depreciation? We offer new car replacement coverage so it your car is totaled, your payout will be enough to get another brand new car, even if it is a few years old. So you may even get an upgrade!
Tip #8: Not all driving score apps are the same. Some companies will increase your rate if they don’t like your driving. Be sure you know the impacts of trying an app out. Spoiler! Our app only gives a discount as kudos for being aware of your driving.
Tip #11: Do you operate as your own business, like a realtor or contractor, and use your car for work purposes, such as going to and from appointments or client houses? This may be seen as business use in the event of an accident! Be sure you have business use coverage on your personal auto policy.
Tip #15: Shopping for a new car? ALWAYS have your insurance agent quote what the cost will be before you purchase a new car. The cost to insure that new ride may surprise you depending on the make and model.
Tip #1: “Storage” coverage is a great option to save money if you are not driving a secondary vehicle.
Tip #9: We say, “Lend your car, lend your insurance.” If a friend borrows your car and is in an accident, yes that accident will go on their record, but because it is your car that was damaged and your insurance that may pay out for the accident, it will affect your claims record too.
Tip #4: Take pictures of your furniture and other belongings in your home and email them to yourself. This way, if any thing is stolen or burned in a fire you have easy proof of items to be replaced during a claim.
Tip #10: Hate paying steep daily rental car insurance while traveling? You current policy may already cover you. Our policies do! It’s a great way to save, instead of paying that extra $30+ a day.
Tip #18: Customized your car? Maybe with a fancy sound system, an after market fender, or other adjustments? You likely added value to your car, but your car insurance will likely just pay out the original value. Be sure to ask about adding in your customizations.
Tip #14: Use your car delivering goods for Grubhub, Amazon flex, or another delivery service? Chances are you car insurance does not cover the drives you are making to and from delivery locations. Make sure to add this coverage!
Tip #12: Yes, in many states your personal credit does impact your insurance price, so continue improving your credit and you should see a reduction in your pricing. Just ask for a re-rate!
Tip #3: Not using many perks from your AAA roadside service membership? You may save you $80+ a year by adding towing to your auto policy instead.
Tip #2: An auto policy does NOT cover your belongings in your car. It only covers the vehicle itself.
Tip #16: Not a doctor, firefighter, or member of the armed forces? No worries. Ask about an occupational discount! The list of options will surprise you and it never hurts to ask!
Tip #13: Rent out part of your home for Airbnb or another similar short term rental service? This is not covered on a typical home policy unless you add such coverage. If your renters do damage or steal and you have not added the coverage, your claim will likely be declined.
Tip #5: Insurance companies do NOT automatically pay for you to have a rental car. Most often, you must ask for this coverage to be added to your policy.
Tip #17: Don’t want generic parts used to fix your car after an accident? You may have the option for OEM coverage (Original equipment manufacturer) to pay for parts directly from the actual manufacturer, which are often more expensive.
Tip #19: Worried about your rate skyrocketing after an accident? You may be able to earn or add accident forgiveness to protect against it. Spoiler! We offer both as well as ticket forgiveness.
Tip #7: Many renters policies will pay for lodging elsewhere during a claim if your place is uninhabitable after an event such as a fire or water damage.
Here you can find our musings, thoughts, tips & tricks, and much more regarding all things for homeowners and renters. Take a look, leave us a comment if you find something interesting, and give us a call if you have any questions.
5 Insurance Myths that may Hurt You
When it comes to insurance, you pay a monthly cost [...]
5 Insurance Myths that may Hurt You
When it comes to insurance, you pay a monthly cost [...]
Here you can find all things new from Arcimoto. and their FUVs. Take a look, leave us a comment if you find something interesting, and give us a call if you have any questions.
5 Insurance Myths that may Hurt You
When it comes to insurance, you pay a monthly cost [...]
5 Insurance Myths that may Hurt You
When it comes to insurance, you pay a monthly cost [...]
Why You should be Cautious of Cheap Insurance – There may be Traps
Shopping around for Insurance is great, right? You get [...]
5 New Hobbies to try during self-quarantine & at Home
Whether you like baking bread, painting, or crocheting blankets or [...]
Tips of Peace in Times of Trouble
Feeling stressed, overwhelmed, stuck, bored? The list goes on in [...]
Meet our Intern Deiahdeen
My name is Deiahdeen Alhjaj and I am a [...]
Meet our Intern Ikani
Get to Know Me! Hi everyone my name is [...]
Meet our Intern Luis
Hey everybody! My name is Luis Diaz.I am a senior [...]
We love Arcimotos! They are fun and environmentally responsible. Want one? Friends or family want one? Great! How are they insured?
Agoff Insurance Solutions has put in years of research and collaboration with Arcimoto to ensure your insurance policy is appropriate for this exciting new vehicle type. Arcimotos are unique – they have three wheels, unlike motorcycles or cars. Sharaya realized that policies were being written as motorcycles, which can cause issues if there is a claim. Arcimotos are not motorcycles but they’re not quite cars either. We have tailored a policy just for you and your Arcimoto.
Want full coverage? Liability? Not sure? Let us help you customize a policy that is right for you and your driving habits. We want to be sure you drive away with coverage that will protect you and your specific vehicle. We don’t want you to have a claim and find out it’s not covered because the policy was incorrectly written.
Many decisions you make now will impact how much you pay for your insurance and there are things you can do or keep in mind to help make that cost as low as possible.
Driving Record- Perhaps the most impactful factor is working hard to be a safe and cautious driver.
Earn or Add Forgiveness – Because mistakes happen and insurance prices increase if you get a ticket or are in an accident, and often even if you did not cause the accident, it can be immensely beneficial to be with a company that offers accident forgiveness.
Credit- Yes, credit scores factor into your insurance costs for many states, but not all. It is statistically true that those who have higher credit scores have less claims. Since insurance is paying for the potential of an accident, those with lower credit scores tend to have higher rates.
Re-rate – Been with the same company for a long time and improved your credit? Ask for a re-rate to find out if a better rate applies. In some companies or states, if your credit has decreased, your rate can go up, but some companies or states will only decrease your premium or keep it the same. It’s good to check first just in case.
Deductibles- Increasing your deductibles can reduce your rates. It is important to keep in mind that in the case of an approved claim, you will be responsible for the deductible amount before anything else is paid, so the amount of your deductible should be an amount you can afford. Be sure to go over your deductibles with your agent to find this balance.
Bundle- Bundle, bundle, bundle! Whether it is adding a home or renters policy or bundling items like life insurance, umbrella coverage, travel trailers, etc., often the more you bundle the larger the bundling discount. If you have your auto coverage with one company and your home or renters with another, it is likely you are missing out on savings.
Discounts- Early shopper? Present or past active-duty military? One-payment policy? There are so many discount options – check with us to get them added to your policy!
Keep the following tips in mind while considering your next vehicle purchase.
Early shopper? Got a head-start? If we can set up your policy a week in advance of your purchase, a lifetime discount will be applied.
Potential Insurance Premium Certain vehicle types are more expensive than others to insure. As an example, older trucks and vans might have a lower up-front cost to purchase, but insuring these vehicles may be surprisingly costly. Keep in mind the damage your vehicle can do to another, less sturdy and more expensive vehicle.
Coverages Want towing coverage? Glass replacement? A rideshare endorsement? New Car Replacement (for brand new vehicles)
Discounts Here at Farmers, you’d be surprised at the number of discounts we offer. You better get used to saving money with our occupational, signal, and multiline discounts! Give us a call to learn what savings you qualify for