Too often the topic of insurance gets placed solely on price. It’s easy to get a comparative rate, and no, online rates are not definitely cheaper than working with a local agent. But going simply off price and ignoring the lasting partnerships that you can create within your community, and you may miss out in the long run.
Many of us support shop local, eat local, and buy local campaigns. So why not choose to place your insurance business local?
For over 50 years Dove Insurance Agency has served the Commonwealth of Virginia as an Independent Agency for Home, Auto, Life, Business, and Recreational insurance. Based in Christiansburg, Va, we’ve built partnerships across Virginia. We’re here for you, let us help.
We’ve helped thousands of Virginians save on their insurance, helped individuals and families identify coverage “gaps”, while providing consistent and honest customer service.
Many life insurance policies in Blacksburg, VA require a medical exam. An exam will typically be preformed in your office or home at the expense of the insurance company. It only takes about 30 minutes and there are some ways to make the process go much smoother.
Have your paperwork and answers ready. You’ll be asked for a photo ID, along with the names of any former and current doctors. You will be quizzed about your health, inducing medications, vitamins, whether you drink or smoke, or have dangerous pastimes. Don’t lie during this part of the exam or else your insurance could become invalid.
Start preparing a week in advance. Start drinking a lot of water before your appointment, since it will help clean toxins from your system. Drinking a lot of water also makes it easier to get your blood drawn. Skip the drive thru and focus on a diet with lean proteins, good fats, and leafy vegetables. Avoid stressful situations a few days before the test, since stress can elevate the blood pressure. If you are nervous about the exam, ask to have blood pressure taken last. Explain to the examiner that medical tests make you nervous and can elevate blood pressure. Also be sure to cut out alcohol and caffeine three days before.
The day of your exam, limit any extreme exercise because this can mess with your cholesterol levels and may elevate protein levels in the urine. If there are high levels of protein in the urine, the insurer will want to recheck the levels. Get a good night’s sleep, especially if you are on the borderline for blood pressure.
If you are working with a private insurer, such as Dove Insurance Agency, then there may be plans that don’t require a life insurance test and you can work with an agent to get the best rate.
Contact Dove Insurance Agency, serving Blacksburg, VA, to get a quote on life insurance.
Do you know what your auto insurance deductibles are for comprehensive (other than collision) and collision? When was the last time you updated these amounts?
Simply put, your deductible is the dollar amount you’re responsible for before insurance “kicks in”. For example, let’s say you have a $500 deductible on comprehensive (other than collision) and a deer jumps out and damages your vehicle. The estimated damage is $2,000. In this scenario, your insurance carrier would pay damages after the first $500, so $1,500. If instead the estimated damage was $3,000 your carrier would pay $2,500.
A general rule on policy deductibles is that higher deductibles will lower your premium and lower deductibles will increase your premium. This makes sense because the more you’re willingly to pay out of pocket reduces the range of covered losses for your carrier. It’s a good idea to ask about the premium differences between deductible amounts.
Another aspect to know is that your policy bases the value of your vehicle on ACV (actual cash value). Meaning depreciation is a factor. If you have a new car, many of our carriers offer New Car Replacement and Loan/Lease Coverage to provide additional coverage for new vehicles.
Serving the Commonwealth of Virginia for over 50 years
Working with Our Independent Agents constitutes a promise, from our
family to yours. We are here to educate you on how to keep covered and
secured, no matter what the future may hold.
Whether you drive, ride, or cruise, we can keep you on the path to protection. Ask us today how you can secure your boat, motorcycle, RV and more.
And with multiple carriers, including Progressive insurance, our family of Independent Agents have several options to help you find the right package for your needs.
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No matter where you live in Virginia, we can help.