When it comes to buying insurance, the first step is to figure out whether you want to purchase through an insurance agent or direct from a company. While the two may seem one-and-the-same, the differences between the two can majorly impact your trucking business. This article aims to help you decide which option will work best for you and your trucking company.Coverage.When you choose to buy trucking insurance direct from a company, you are also choosing to buy one of the standard insurance packages. These packages were designed with a “one size fits all” mentality, so you might have to buy a package with coverage you don’t need in order to receive coverage you do need.Contrary to popular belief, insurance agents do not have the ability to negotiate a policy rate. However, the agent will be able to provide you a list of options at different price points. By being independent, agents also have access to other carrier policies and are able to tailor the policy to best suit your needs. Additionally, the agents may reach out to insurance companies most people have never even heard of, or don’t know provide commercial trucking insurance, which allows them to find even more coverage options for the insured (you) to review.Pricing.As mentioned previously, when you choose to buy a standard insurance package direct from an insurance company, there’s a chance you’re overpaying. Since the package is not tailored to your needs, there may be coverages within it that you don’t necessarily want or need. Additionally, when it comes time for renewal these agencies will only show you rates from their employer since it’s their job to keep you insured with that company.Agents own their own business, thus must generate income by charging the insured for the service provided. However, even with the additional fee, going through an agent usually results in a cheaper premium-sometimes up to 25%-due to their ability to price shop. Furthermore, when it comes to renewal, independent agents are able to reevaluate your premium based on new rates from multiple insurance companies. Therefore, the chance for cost savings increases.Experience.One of the biggest differences between buying direct and buying through an agent is the experience. On one hand, when you call an insurance company to talk to someone about your coverage, odds are you’re going to get transferred to someone in a call center. Yes, you will be speaking with an individual who has passed the same exams as personal agents, and therefore can address all of your needs. However, the biggest difference is that the next time you call you most likely will not be speaking to the same individual you spoke to previously.On the other hand, working with an agent allows you to form a personal relationship since you know that when you call you’ll be talking to either the agent or someone on their small team. These individuals will be familiar with your policy, instead of simply reading general information off a database. More importantly, insurance agents will be there to advocate for you during a claim.Time.We’ve all seen the commercials guaranteeing an insurance quote in 15 minutes or less, so for some it seems logical to go online and purchase insurance. If you are shopping for your best price though, it means you are spending 15 minutes on EACH insurance companies’ websites. Not only is this time consuming, but it results in multiple companies gaining your personal information (phone number, email address, etc.).When you work with an independent insurance agent, the agent does the searching for you. So while it may take some time, it’s the agent who puts time into reaching out to all the insurance companies, not you. Agents also realize time plays a significant role in a trucker’s career, which is why they’re oftentimes quicker when it comes to certificate processing and binding.When you’re shopping for trucking insurance, maybe you don’t necessarily care what’s in the package as long as you’re covered. In that case, shopping direct from an insurance company may work for you. However, if you want more insight into your policy and a more personalized experience, then finding an agent to create your optimal insurance coverage plan is your best option.
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Real Estate Market Trends in Asheville
What do you need to know about Asheville real estate? Buying a house in this North Carolina city requires knowing a little bit about many parts of life.What Are House Values Like?Homes tend to retain their value better in this city than in the state as a whole. During the latest housing crash, for example, home prices actually stayed fairly consistent instead of plunging dramatically like many cities around the state and country. What’s more, home prices tend to be tens of thousands of dollars higher than the state median.What Are the Homes Like?And according to one real estate website, the median age of homes is about 15 years older than the national median age of 1974. Similarly, the median square footage for homes there is just over 1,300, roughly 200 square feet less than the U.S. median.That is not to say there isn’t a good selection of newer and larger homes available. Approximately 10 percent of the city’s real estate has been built since the year 2000, so there are still plenty of newer houses within the market.How are the Schools?If you are moving a young family, you will undoubtedly want to know about the school system in town. There are plenty of well-ranked elementary through high schools in Asheville, with many of the private schools receiving the best reviews.What is it Like to Live?The cost of living is less in Asheville than on average in the United States. According to the 2008 cost of living index, Asheville carries a 91.3 reading, while the U.S. average is 100. If you are making a decent income while living there, that can mean life is a little easier to pay for than elsewhere. Be aware though, that as of the 2000 census, the median income was almost $8000 less than the state’s median.One thing to consider is that crime rates tend to be slightly higher than the state average.Outside the crime data, it may be comforting to know that the temperatures in the city stay in a fairly mild range all year long, although it is more humid than the national average. And Asheville’s risk of being hit by a tornado is slightly lower than the state average and 16 percent lower than the U.S. average.Once you have decided that this is the city for you, local real estate agents can be some of your best resources in determining where and when to buy.