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.

Local Insurance Options, Personal and Commercial

Management is doing things right; leadership is doing the right things.” — Peter Drucker

The above quote has been recited countless times in management and business courses throughout the world. To build better leaders and to improve efficiency in an ever evolving society, we need sound principles to retain our focus. But these words aren’t solely for businesses applications as our daily lives can reap enormous benefits from this wisdom as well.

Being part of a community as a business owner means many things. Yet first and foremost is the simple fact that you, as an individual, represent both your personal and business identities. Our family agency started in Radford, Va over 50 years ago. We’ve been able to grow by building relationships across the Commonwealth and trying our best to provide superior customer service. Now three generations strong our family agency is still growing. So, as simple as it may seem, we’d like to say Thank You—to everyone we’ve had the pleasure to know over the years.

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 meet 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
Rental Properties
Life Insurance
Flood Insurance
Motorcycles
ATVs
Boats
RVs
Classic Cars
Commercial Auto
Personal Umbrella
Condominiums
Renter’s Insurance
General & Excess Liability
Businessowners Policy
Commercial Packages
Commercial Umbrella
Worker’s Compensation

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.

A Quick Look at the Long History of Travelers Insurance

“In 1864, Hartford businessman James G. Batterson met a local banker, James E. Bolter, in the post office. Bolter had heard that Batterson and several fellow townsmen were organizing a company to introduce accident insurance to the United States. He asked Batterson how much he would charge to insure him for his four-block walk home. “Two cents,” Batterson said.”

Between TV, internet, and radio ads it’s rare for an insurance commercial not to be seen or heard every hour. Some are funny, and some not. Interestingly very few tell you anything about their coverage offerings outside a few catch phrases, but that’s another discussion.

My point is that as consumers we only hear from 4 or 5 insurance companies when in fact there’s 100 licensed carriers in Virginia.

One of the oldest and most reliable insurance carriers, Travelers Insurance (A++ by A.M. best), is one of many options you have for personal and commercial insurance lines in Virginia. As an Independent Insurance Agency, our family at Dove Insurance has worked with Travelers Insurance for 50 years.

Our take on this long partnership is simple: you don’t do business with someone this long if they don’t take of people. And Travelers has done an excellent job over the decades.

Interesting Facts About Travelers Insurance

Travelers Insurance has as a history of insurance firsts. Just take a look at this long list of industry milestones:

1864: *Introduced accident insurance.
1897: *Issued an automobile insurance policy.
1889: Offered liability insurance to employers, known today as workers compensation.
1903: *Opened an insurance school.
1904: *Organized a corps of safety engineers.
1919: *Offered aircraft liability insurance, with a full aviation program.
1956: *Established a weather research center.
1958: *Offered life insurance to women at lower rates than men.
1961: *Introduced a new coverage option for electronic data processing.
1968: *Pioneered the “CAT Van,” a specially modified RV used as a mobile claim office to assist policyholders after disasters.
1969: *Issued accident policies for space flight and lunar exploration.
1971: *Established the Office of Consumer Information, providing all consumers, not just Travelers customers, with a toll-free number, to call and comment on insurance issues or ask insurance-related questions.
1980: *Installed an interactive company/insurance agency computer system.
1997: *Launched an insurance policy to protect individuals who use personal computers for online banking.

*Insurance industry first

 

Progressive Home & Auto Insurance with the help of an Independent Agent

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.

Progressive Insurance

One of the many carriers we represent is Progressive. Our family of Independent Agents can look at bundling your home and auto insurance with Progressive to maximize savings. In fact, these are all the insurance products Progressive offers that we can help you with:

  • Auto
  • Home
  • Renters
  • Condo
  • Boat/PWC
  • Motorcycle
  • ATV
  • Dirt Bike
  • Moped/Scooter
  • Snowmobile
  • RV/Trailer
  • Umbrella
  • Golf Cart
  • Segway
  • Commercial Auto

(540) 382-4277 or TEXT US @ (540) 253-1253

 

 

How Is It Determined That A Car Is Totaled?

The agents of Dove Insurance Agency serve residents who live in and near the Roanoke or Blacksburg, VA area. When it comes to automotive insurance, many of their clients rely on them to explain why their car or truck was totaled after an accident. There are times when a vehicle is totaled, but it still runs and looks as if it could be repaired. It’s important to know how the determination is made when it comes to totaling a vehicle.

Repair Cost vs. Resale Value

The cost of making the needed repairs versus the car’s resale or "book" value will play a definite role in whether the car can be repaired. If the car’s total value is listed at $1000 and the repairs to fix it will cost $1500, the car will be totaled simply because it won’t hold its value if you try to sell it after it’s been fixed. In some cases, the value of the car may hold, but the repairs may be so extensive that the labor makes it a poor repair choice.

Buying the Car

There are some cases where the car is totaled, but the owner has the option to repurchase the vehicle from the junkyard and make the repairs on their own. This is often an excellent choice for an older vehicle that has an engine with low miles. Even though the body may be damaged, the engine still has plenty of life left to it.

If you live in the Roanoke or Blacksburg, VA area and have questions about why a car has been totaled and what your options are, call the agents of Dove Insurance Agency and schedule a consultation today!

Save & Be Properly Covered Today | Let Us Help

You see the bumper stickers, signs, and declarations all across Virginia: Buy Local, Eat Local. Some shout Grow Local!

So why not purchase your insurance local? Insurance is in essence a financial product; it’s a contract designed to help protect you, your family, and those you may come in contact with. Your home or auto insurance policy is not a piece of paper or an ID card. And despite endless TV or radio ads clamoring for you attention, and Independent Agent can offer you more options because we’re not employees. We’re independent, small business, and you guessed it, Local.

Serving The Commonwealth of Virginia For Over 50 Years

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.

Let us help.

540.382.4277

 

Help Reduce Distracted Driving

More than 40,000 Americans died on the roads in 2016, the most significant increase in deaths over a two-year period in more than 50 years.1 Whether someone you love has been known to text and drive, or you have found yourself distracted behind the wheel, these tips can help avoid dangerous activity on the road.

  1. Stow your phone. Turning off the phone and putting it in “do not disturb” mode can help remove the temptation to browse online at a red light or respond right away to a text message.
  2. Vow not to multi-task. Anything that occupies your mind or vision can be a distraction behind the wheel. Make time at home to eat meals or put on makeup, so you can focus on the road.
  3. Don’t be a distraction. Avoid calling or texting family members and friends when you know they are driving to avoid distracting them.
  4. Talk to your employer. Responding to texts or taking calls for work while driving can be dangerous. Encourage your employer to have a distracted driving policy that includes waiting to talk with employees until they are safely parked.
  5. Keep kids and pets safe. Make sure kids are in proper car seats and that pets stay secured in their zone in the back of your vehicle. It can also help reduce distractions if pets are not roaming about the car.
  6. Set a good example. Parents can model good behavior for their children by demonstrating attentive driving. Avoid texting, eating, grooming or calling someone while behind the wheel.
  7. Plan your route before you go. Programming your navigation system while you drive can take your eyes off the road. It’s better to ask a passenger to do it or to enter your destination before you leave home.
  8. Speak up. If you see someone texting or otherwise driving while distracted, say something and let them know that you are not comfortable with that behavior. Encourage your children to do the same when they are passengers in a friend’s car. It could save a life.
  9. Set rules of the road. Consider restricting the number of passengers until your teen or new driver gains experience behind the wheel.
  10. Avoiding reaching. Resist the urge to reach for items if they fall while driving.

Taking your eyes off the road to search for an item can make you more likely to have an accident.

Share these tips to help keep others safe. For more on ways to reduce distracted driving, check out Every Second Matters, Travelers’ conversation starter on reducing distracted driving risk.

Source:
1 National Safety Council, NSC Motor Vehicle Fatality Estimates.
www.nsc.org/NewsDocuments/2017/12-month-estimates.pdf
*Content provided by Travelers Insurance. Dove Insurance Agency is proud to offer Travelers Insurance 

Do You Need Physical Damage Coverage On An Older Vehicle?

So you have an older car, let’s say one you’ve had for many years and love too much to part with. It’s still in good condition, but the inevitable question begins to occupy your mind: Is my vehicle worth enough to keep the optional physical damage coverage?

No one can ever say you have too much insurance, but deciding if your situation is worth paying for physical damage coverage is ultimately up to you.

For starters, you’ll want a good estimate on the value of your vehicle, so visit a reputable site like Kelley Blue Book.  Then take a look at your auto insurance policy and premium amounts for other than collision and collision coverage, and make note of your deductible for each coverage too.

Other Than Collision

Also known as comprehensive coverage, your vehicle is covered for damage like theft, fire, vandalism, glass breakage, flood, and hitting an animal (or animal hits you).

Collision Coverage

If you’re at-fault in an accident or collide with an object, like a pole and run into a ditch, then your collision coverage will pay to fix your vehicle.

Serving The Commonwealth of Virginia For Over 50 Years

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.

Dove Insurance is also a Dave Ramsey ELP, for home and auto insurance.

General Tips To Know When Shopping For Auto Insurance

Auto Insurance rates can vary a lot from one person to another. In today’s big data world, just about anything you can imagine can impact your cost.  Things like age, marital status, education, occupation, prior insurance tenure and limits, and zip code to begin.  Then add in other rating factors like number of drivers, home ownership, other policies, vehicle usage, even financial score.

There are still other factors, but it should be easy to see why comparing your policy to what a friend or family member has is not “apples to apples”.  And that is before even looking at the vehicles, coverage needed, and your driving record.

On top of all the rating factors, there are over 100 personal line insurers in Virginia.  Most people can maybe name 5 because of TV commercials.  But each one can have their own niche with a certain customer profile.  Insurance Companies set their rates by giving their best rates to drivers with the characteristics that feel they can insure profitably. You can no longer say that one company is less expensive than another, rather it is where do you fall within their offer.

 

 

So how do you navigate through the choices? 

Your best course is to work with an Independent Insurance Agent that represents many companies.  If an agent is locked into only one company there are no options.  In contrast, an Independent Agent has the ability to look at several offers to find your best combination of price and coverage.

Do you know what it costs to have an Independent Insurance Agent review your policy?  It doesn’t cost anything!

Take the time and contact our family of Independent Agents at Dove Insurance.  Serving the New River Valley for over 50 years, we are Independent Agents for Auto, Home, Life, and Business Insurance as well as special policies for Cyber Liability, Employment Practices, and Workers Compensation.

Michael Dove  |  Joshua Dove

The Official Start of Winter

Winter has officially arrived.

We’ve already received our first snow of the season, and with it the expected hazardous road conditions. Southwest Virginia is particularly vulnerable to the winter conditions because of our landscape and location. Hills that quickly become icy are difficult, if not impossible, to navigate. Deer are a constant problem and so are other drivers.

Though it may be a tad cliche, make sure you take the extra precautions this winter season when winter weather arrives. It not only keeps your family safe, but it may help save you some money along the way.

Preparing Your Vehicle*

As temperatures start to drop, it’s time to make sure your car is stocked with a winter driving survival kit, including an ice scraper, a snow shovel and sand or salt. This way, you’ll be prepared if winter weather arrives while you’re away from home. It’s also a good time to check your tires to determine whether it’s time to replace them or whether you need snow tires.

A few habits to adopt regularly during the winter months can also help prepare you for a wintry drive. Make it a practice to keep your gas tank at least half full so you can run your engine and stay warm if you get stuck or stranded. Keep your windshield wipers in good condition and your windshield fluid reservoir filled so you can clear snow and ice from your windshield.

Watching the Weather

If you plan to travel when inclement weather looms, monitor road and weather conditions by checking local news stations or Internet traffic and weather sites. You can sign up for weather alerts to receive text messages and optional alerts for your area. Do not check your phone while driving, and avoid all unnecessary distractions when you’re behind the wheel.

Driving for Winter Conditions

Before you leave the driveway or parking lot, take time to clear snow and ice off your car, including your windows, mirrors, lights, reflectors, hood, roof and trunk. Drive with your headlights on, and be sure to keep them clean to improve visibility. Use caution when snow banks limit your view of oncoming traffic.

As you get on the road, remember that speed limits are meant for dry roads, not roads covered in snow and ice. You should reduce your speed and increase your following distance as road conditions and visibility worsen. Avoid using cruise control in snowy or icy conditions – you want as much control of your car as possible. Be cautious on bridges and overpasses as they are commonly the first areas to become icy, and avoid passing snow plows and sand trucks. The drivers can have limited visibility, and the road in front of them could be worse than the road behind.

Care driving behind other cars in the winter

* Content provided by Travelers Insurance