Windshield Repair or Replacement?

Debris from vehicles, falling branches, or even sudden expanding cracks as you’re driving down the road—yes, glass damage happens all the time and comes in many forms. My favorite is the policyholder who broke their back glass loading wood beams… twice in consecutive weeks.

Glass damage falls under Other Than Collision Coverage (comprehensive) and is subject to a policy deductible depending on the severity of the damage. Often if your glass can be repaired there’s no deductible.

So what’s the difference between a windshield repair and replacement? According to Glass America:

Windshield Repair:  a convenient, cost effective way to fix minor chips and cracks in your car’s front windshield. If your windshield damage is not directly in the driver’s line of vision, chances are good that your auto glass can be repaired. Another good way for you to assess the damage is to see if the crack is NOT longer than your credit card, then it can usually be repaired.

Windshield replacement: If the windshield damage is more severe than a minor chip or crack, or if the crack is in the driver’s line of vision, then most likely your windshield will require replacement. Cracks or holes that go all the way through the glass and cracks that are longer than a credit card usually indicate a replacement is warranted.

Who can fix your glass? Insurance carriers work with a wide number of local shops that are part of their “glass network.” National companies, such as Safelite and Glass America, are also used by most carriers. And you can even use a shop out of a carrier’s glass network, though work may not guaranteed.

Full Glass Coverage On Auto Insurance

Insurance carriers such as Progressive, Grange, and Safeco offer full glass coverage, meaning that there is no deductible for glass damage. This coverage is for glass only, and separates the amount you pay out pocket from your selected Other Than Collision deductible.

Pay Less Often and Save With a Paid In Full Discount

Simply put: the least expensive and most discounted plan available for your insurance policies is to pay them in full. Discount amount vary across carriers, but choosing to pay your policies in full for six months or by the year will save you the most.

This applies not only to home and auto insurance, but also boats, motorcycles, RVs, and renters insurance.

What happens if I need to cancel a policy if I’ve already paid it in full?

Typically you’ll only be charged for the number of days the policy was in force. For example, if you paid for the full calendar year of 365 days but cancelled the policy 120 days in, you’ll only be charged for those 120 days.

Other Discounts

Safe Drive, Accident Forgiveness, Diminishing Deductible, Multi-policy/Multi-car, Homeowner/Renter, EFT/Paperless, Military, Education, Employment, and more!

We’re Here to Help

At Dove Insurance Agency our family of Independent Agents are dedicated to serving you and working with your lifestyle. We’ll educate you on the coverage you need to keep your property and family secure, no matter what the future brings.

Instead of working for one big company, our family of Independent Agents represent multiple insurance providers. This allows us to compare rates and coverages so you’ll get the best coverage-to-value policy available.

We’re here to serve you.

Renting? We can protect your personal property.

Get a quote today: (540) 382 – 4277

How can you keep your belongings safe?

Renters insurance will protect you financially in three ways:

  1. Personal liability protection: Should there be an accidental injury or property damage that occurs in your rented space, renters insurance steps in.
  2. Personal property protection: Renters Insurance will protect your belongings and furniture against losses like fire, vandalism, hailstorms, smoke, lightning, and theft.
  3. Extra living expenses: If you have to relocate from your apartment for repairs to damages and are forced to live in a hotel or other living arrangements, renters insurance can provide coverage for your situation.

We Work for You

Instead of working for one big company, our family of Independent Agents represent multiple insurance providers. This allows us to compare rates and coverages so you’ll get the best coverage-to-value policy available. We’re here to serve you.

Let us help.

What is an SR-22 and FR-44?

If you don’t recognize either of the (2) terms above then odds are you don’t need either one added to your auto insurance.

Both are certificates of financial responsibility that may be required by Virginia DMV. Typically an SR-22 form is required when a driver has had their license suspended due to driving without insurance, failure to pay fines, revoked license, or other relation incidents. An FR-44 is typically required for incidents such as a DUI or other drug related charges.

Neither of these forms are a type of insurance—they’re simply forms that DMV requires you to carry for insurance monitoring. And to guarantee authenticity, SR-22 and FR-44 forms must come straight from your auto insurance provider. The only difference in these forms is that an FR-44 requires double the state minimum liability coverage, or $50,000 each person/$100,000 per accident/$40,000 property damage to others (50/100/40).

Your situation with Virginia DMV determines the length of time each form will be required. An SR-22 is commonly required for a minimum of 3 years and a FR-44 for 5 years.

If there is no vehicle registered under your name Virginia DMV may require either form on your license. In this situation, you can get an auto insurance policy without a vehicle. When you get a vehicle, your SR-22 or FR-44 will need to be added to your insurance policy with the appropriate form filed before you can register the vehicle with Virginia DMV.

Need an SR-22 or FR-44? We can help.

Not every insurance carrier offers these forms. However, our Family of Independent Agents represent multiple carriers instead of working for a single company. This means that we can help with your SR-22 or FR-44 filing.

Contact us today and see how we can help.

Pros and cons of selling your home without a real estate agent

When it comes time to sell your home, choosing to do so on your own means you will directly handle the entire process. That includes setting the price, listing the home, marketing it, conducting home showings, negotiating with a buyer and completing the closing procedures. On the other hand, working with a real estate agent allows you to focus on other activities related to your home sale, like staging your home and preparing to move, while your real estate agent manages the day-to-day process of selling your home on your behalf.

One of the most common reasons individuals decide to sell their home “by owner” is to save money, since using an agent pretty much guarantees you’ll shell out an estimated 4-6% of the sales price to agents as commission for their work – that’s typically the standard total commission, split between the listing agent as well as the buyer’s agent.1

Here are some pros and cons to consider before you decide whether to sell your home “by owner” or with the help of a real estate agent.

Pros of Selling a House by Owner

  • You can save money by not having to pay a real estate agent’s commission. As mentioned above, the standard agent commission on a home sale is typically around 4- 6%, which is then split between the listing agent and buyer’s agent.2 By opting to go without a listing agent, you could hold onto that percentage that you’d otherwise be paying an agent upon selling your home.
  • You’re in control of setting the home sale price. Without a real estate agent providing a pricing recommendation, it’s up to you to determine the listing price – which will ultimately determine how much you’ll make on the sale of your home. Of course, you’ll want to ensure you set a competitive price to sell your home in a timely manner. You may want to consider consulting with a real estate appraiser for assistance with setting an appropriate sales price based on comparable sales in the area.
  • You handle the marketing for your listing. Many real estate agents have a formula they follow when it comes to marketing their property listings, and they do the same thing for all homes. When selling your home by owner, you choose how to publicize your listing. Since you’ll be spending your own money to do so, you may be extra motivated to make the sale happen, and to get the maximum amount of money possible. To enhance your prospects, make sure you’re showing your home in the best light: take high quality photos, write a strong listing description and make your house spotless for showings.
  • You’re in charge of scheduling open houses and showings. If you’ve decided to be your own real estate agent, you will have control over appointments for showings. That’s a good thing, when you think about the prospect of last-minute requests that can arise, requiring you to tidy up at a moment’s notice and be out of your house so the real estate agent can show it to prospective buyers. When selling a house by owner, choosing when to schedule a showing or an open house is entirely up to you and can be worked around your personal schedule.

Cons of Selling A House by Owner

  • You may not make as much on the sale of the home. Yes, you read that right. Even though you may potentially save the money of a commission that a real estate agent would earn, it’s often more challenging to correctly price your home and conduct successful negotiations on your own. The point is, it’s not impossible to sell your home for a nice profit without an agent, but it may take you longer to do so. If you have a target deadline for selling your home and it isn’t flexible, you may want to leave the selling to the professionals.
  • You don’t have access to agent tools. Real estate agents have an extensive network composed of a local Multiple Listing Service (MLS), online portals, professional organizations, social media and more, which means greater exposure for real estate listings. It’s hard to compete with these effective resources when selling a home by owner, although that’s not to say it can’t be done. It just might take longer.
  • You have an emotional connection to the home. It’s natural to be sentimental about your home. After all, it’s the place you’ve lived; it holds many of your personal memories. It’s harder to view the entire home-selling process objectively, and you could wind up making decisions based on emotion rather than logic. Having a real estate agent assist with the ins and outs of selling your home can help you stay on track and keep emotion out of the process.
  • You will have to handle the closing process on your own. This may be the most daunting aspect of selling a home by owner – understanding the legalese and paperwork required to get through closing. If you’re fortunate enough to be a real estate attorney or you know one who can assist you, this may not be as intimidating. On the other hand, you may be required to hire an attorney to handle the closing if you decide not to hire a real estate agent. If you aren’t familiar with the requirements, it’s probably a good idea to consult with a real estate attorney to ensure you’re meeting all legal requirements associated with the sale of the home in your area.

Sources:
1 https://www.zillow.com/sellers-guide/for-sale-by-owner-vs-real-estate-agent/
2 https://www.zillow.com/sellers-guide/for-sale-by-owner-vs-real-estate-agent/

**Content is provided by Travelers Insurance. Dove Insurance Agency is a proud Travelers Insurance licensed independent agency

For Over 50 Years Dove Insurance Has Served Virginia

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.

Dove Insurance is also a proud Dave Ramsey ELP.


A Quick Refresh On Your Auto Insurance Deductible

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.

Home, Auto, Motorcycle, Boat, RV, Business and More!

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.

Our family of Independent Agents will find the best package for your needs. We represent multiple insurance providers and we work for you!

Get your insurance questions answered by experienced, local agents. No call centers. No random employees. Simple one-on-one discussions.

Dove Insurance Agency is also a proud Dave Ramsey Endorsed Local Provider (ELP).

Great Insurance Coverage in Action

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.

Dove Insurance Agency (540) 382-4277

PURCHASING A NEW HOME?

We coordinate around your home closing to make sure everything is properly completed! Homes, Mobile Homes, Manufactured Properties, and Rental locations—Let our Family of Independent Agents compare rates for you investment.

No matter where you live in Virginia, we can help.

Finding Value In Your Policy

When you understand the role insurance plays for your home, auto or business, it’s easy to see how effective certain coverages can be and the immense value they hold.

The good news is that our family of Independent Agents can work with you one-on-one to find the right solution for your insurance needs. When you talk with one of our Independent Agents, you’re giving yourself the best opportunity to find the best value.

Simply put: We Don’t Work For Just One Insurance Carrier.

When you walk inside our doors or call us on the phone, we listen to your needs and help you make the correct choices.

This means you’ll never be forced into a specific company or into a policy that ultimately feels wrong. And unlike an online insurance provider, our family of Independent Agents can give you personalized attention and help whenever you have questions.

At Dove Insurance, we’ve worked with our clients across the Commonwealth of Virginia for over 50 years to help them make the right decisions. By choosing Dove Insurance, you can cover any of your personal and commercials insurance needs, such as:

  • Home
  • Personal Autos
  • Life Insurance
  • Health Insurance
  • Flood Insurance
  • Earthquake Insurance
  • Motorcycles & ATVs
  • Boats
  • RVs
  • Classic Cars
  • Condominiums
  • Renter’s Insurance
  • General & Excess Liability Coverage
  • Businessowners Policy
  • Commercial Package Policies
  • Personal & Commercial Umbrella
  • Commercial Auto
  • Worker’s Compensation
  • Bonds
  • & More!!!

Discover everything an Independent Agent can do for you!

Dove Insurance serves Virginia; including Blacksburg, Carawba, Centreville, Christiansburg, Covington, Floyd, Galax. Harrisonburg, Hopewell, Leesburg, Lynchburg, Pulaski, Radford, Richmond, Riner, Roanoke, Salem, Staunton, Waynesboro, and Wytheville. We help provide home insurance, auto insurance, business insurance, umbrella insurance, commercial auto insurance, life insurance, flood insurance, valuable items insurance and liability insurance.

Purchasing A New Home? Let Us Help Make Your Closing Less Stressful

Moving into a new home is exciting, full of to-dos, and a lot of work. There are loan applications, house showings, and moving logistics; however, one part of the moving in process that shouldn’t be stressful is making sure you’re properly insured.

Purchasing a home is one of the largest and most expensive investments we’ll ever make, and obtaining proper home insurance is absolutely critical.

For starters, your house should be insured for the full Replacement Cost, and not the Market Value. You’ll need to have coverage for your personal property and higher valued items such as jewelry, antiques, or expensive electronics. How much liability coverage you need is important too, and depending on your financial situation, perhaps an Umbrella policy is needed. Do you need other endorsements not included on a standard policy, like water back-up, service line coverage, or refrigerated products coverage?

It also pays to compare policy deductibles. Over the past several months we’ve seen numerous carriers increase their starting deductibles to $2,000 or percentage amounts. Did you know that many insurance providers in Virginia still offer lower deductibles?

There’s also policy eligibility. Liability risks such as pools, wood stoves, the age of your roof, unrepaired damages, and even the breed of your dog can affect the eligibility of your home.

We Help Make Your Home Closing Easier

Instead of working for one big company, our Family of Independent Agents represent multiple insurance providers. This allows us to compare rates and coverages so you’ll get the best coverage-to-value policy available.

After finding the right policy for your needs, we help coordinate with your home closing so everything from the insurance end is ready to go.

Call or stop by today and discover everything our Family of Independent Agents can do for you.

Ph: (540) 382-4277

E-mail: Joshua@Doveinsurance.com