Insurance For New Motorcycle Riders

If you’re a new motorcycle rider congratulations! Not only are motorcycles a great way to enjoy the open roads of the Blue Ridge Mountains and view the scenery of Southwest Virginia, but they’re also a convenient and possible cost saving means of transportation.

Besides learning to ride, obtaining proper Motorcycle Insurance is a critical part of the process. Much like protective gear, insuring your bike can help keep your mind clear and focused on the road ahead. So what’s inside a motorcycle policy?

Take a look and familiarize yourself with these terms so you know what to look for:

Liability Coverage

Like an auto insurance policy, liability coverage covers you for personal injury and/or property damage that you’re liable for while operating your motorcycle. Virginia requires a minimum of $25,000 per person/$50,000 per accident/$20,000 property damage per accident. Higher limits are available and differ for each company.

This also covers guests/passengers that you’re liable for.

Uninsured Motorist Coverage and Uninsured Motorist Property Damage

This provides coverage for you if another party damages your bike or injures you in an accident and does not have insurance, carries too little insurance to cover your bills, or you’re involved in a hit or run. UM/UIM pay for damages to your motorcycle, your injuries/medical bills, and lost wages if you can’t work.

Note that available coverage is limited to no more than your liability coverage limits.

Comprehensive and Collision Coverage

Physical damage coverage for your bike. Motorcyclists take note that this also covers your bike if it’s stolen, vandalized, of if you tun the bike over. Deductibles are available in many options and some insurance providers offer a disappearing deductible.

Medical Payments

Pays for your medical bills (or your passengers’) if you’re in an accident, regardless of who is at fault. Do note that your medical insurance is primary.

Total Loss Coverage, Carried Contents Coverage, Enhanced Injury Protection, Transportation Expenses, Towing/Roadside, and More!

Motorcycle Insurance policies are personalized to your coverage needs. There are numerous carriers to choose from and each one looks at you and your bike in a different way. With the help of our Family of Independent Agents, we help you find a policy tailored to your needs at a competitive price. We represent many of the top Motorcycle Insurance companies in the country, and work for you, not them.

Let us help.

Progressive Home, Auto, and Motorcycle Insurance!

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 to bundle and maximize your savings:

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

Call to get start today (540) 382-4277 or TEXT US @ (540) 253-1253

Important Motorcycle Coverages To Know

If you’re looking to compare motorcycle coverages and rates then there’s a few coverage options you should know about.

The least expensive option will always be to purchase basic liability, but there are some optional coverages that may peak your interest.

Carried Contents Coverage. This pays for your owned personal property (such as cell phones, hunting gear or camping gear) that is damaged, destroyed or stolen while using the vehicle.

Custom Parts and Equipment (accessory). Either a separate coverage or included when both Other Than Collision and Collision coverage are purchased, this covers items such as custom paint, plating or exhausts; sidecars, electronic equipment, saddlebags, handlebars, wheels, chrome accessories, and more.

OEM Parts Coverage. Often included in packages such as guaranteed replacement value, this simply replaces damage with original equipment manufacturer parts (OEM). Think Harley parts on Harley bikes, Honda parts on Honda Bikes.

MULTIPLE CARRIERS, MULTIPLE COVERAGE OPTIONS

Coverage for most motorcycles, including cruisers, sport bikes, touring bikes, dirt bikes, mopeds, scooters, ATVs – even custom motorcycles and motorcycles more than 25 years old.

With multiple carriers, our family of Independent Agents can help find the policy for you.

Let us help | (540)-382-4277 | Joshua@Doveinsurance.com

Telematics And The Future Of Auto Insurance

Whether you’re ready to embrace insurance telematic programs or not, they are here and here to stay.

Snapshot | Intellidrive | OnTrack | RightTrak | Smart Drive

For starters, these discount programs are optional. And not participating won’t alter your auto insurance premium.

As technology in this field continues to evolve so too are the program options and discounts. Today most auto insurance telematic programs are app based and entirely accessible through a mobile app and e-mail.

What is looked at for discounts varies by each individual program and discount amounts are tiered differently as well. Below are some of the factors that insurance companies based their discounts on:

  • Miles Driven
  • Driving Duration
  • Time of Day
  • Hard Braking
  • Distracting Driving (In-hand phone use while driving, e.g.)

The simplest explanation for auto insurance telematic programs is this: You can save a lot, in some cases up to 30%, on your auto insurance by providing your insurance company access to your driving habits for a specified length of time.

There’s a lot in that definition to consider. And remember, these programs are 100% optional. So if the idea of a telematic program makes you uneasy don’t enroll.

These programs are just another way insurance carriers are trying to reward better drivers.

For more information on a specific program simply to talk to our Family of Independent Agents today.

Short On Time? Try An Online Insurance Quote

Keeping a schedule these past few weeks has gone out the window. Virginians are amid a global pandemic that ebbs and flows with the latest news and updates.

There’s optimism, and equal parts caution. And while the future isn’t 100% clear yet, life is slowly beginning to normalize.

Dove Insurance Agency, like a lot of Virginia businesses, is local. We’re part of the New River Valley community and have been for over 50 years. We’re family owned and operated, and try to keep insurance simple and personal.

Our office in Christiansburg, VA is still open normal business hours. If you prefer an in-person meeting simply stop by. No appointment needed.

If you’d like to give us a call, text, or e-mail we’re still able to provide full quoting and customer service (including payments over the phone).

If you’re a new customer or an existing one that needs a new insurance product, try our Online Quote Tool.

It’s simple to use and connects your insurance request with our Family of Independent Agents. You can quote personal lines, such as home and auto, or coverage for your Virginia business.

As always, we hope everyone stays safe this summer!

How much life insurance is enough?

Nobody likes to think about life insurance much less talk about it but it should be part of everyone’s long term financial planning. Life insurance is much more than just the death benefit. Knowing that you have enough to take care of any dependents that you may have for as long as they need it is important. At Dove Insurance Agency we have more than 50 years of insurance experience that we are happy to share with our customers.

How much life insurance you need is dependent on several things.

Do you have dependents? Dependents can be your children and spouse but there are others who may be dependent on your income. You may have parents who may need some help as they age, a sibling with a disability, or even a business partner.

How old are your dependents? How many years do you want to provide for them?  If you have young children the number of years may be as much as 20 or more considering they may want to go to college. For a dependent with a disability, it can be for their entire lifetime.

Do you have debt? Most people have some debt but it isn’t just about credit card debt or a car loan. If you have a home, likely you have a mortgage and if it is a recent purchase it can be quite large.

Have you taken care of your final arrangement? These days a funeral can cost upwards of $10,000 and even if you have no other life insurance, having enough to cover your last expenses can save your family trying to gather enough to pay.

Experts recommend that you have at least 8-10 years of your salary in life insurance. This is just a recommendation, your expectations may be much higher or lower. Only you can decide what is enough.

At Dove Insurance Agency in Christiansburg, VA we are here to help you to get the amount of life insurance that is right for you.  Give our office a call for a no-obligation quote or get an online quote instantly!

Progressive Loyalty Rewards Programs

Did you know that Progressive offers a loyalty program with immediate benefits for customers?

Simply put—the longer you stay with Progressive the more benefits are are automatically attached to your policy. These rewards come at no cost to you and there’s no enrollment needed. If you have a Progressive personal lines policy then you start with benefits immediately.

Tiered Benefits

Take a look at the chart below and you can see how Progressive applies the rewards.

The definitions for the above benefits are as followed:

Small Accident Forgiveness. With Small Accident Forgiveness, your rate won’t go up if you need to report a small claim. Generally, a “small claim” is anything under $500, but this varies by state, so be sure to call us to find out what applies in your state.

Continuous Insurance Discount. As your relationship with us grows, so do your opportunities to save! This discount increases with each loyalty level until you reach Diamond level. Plus, your discount may be determined by your prior insurance information, so you could start saving sooner than you’d think.

Teen Driver Discount. You save with a Teen Driver Discount if you have a child under 19 who is licensed and rated on your policy.

Large Accident Forgiveness. With Large Accident Forgiveness, your rate won’t go up even if you cause an accident, regardless of the amount. You’ll earn this benefit when you’ve been with us for five years continuously and your policy has been free from violations and claims for the previous three years.

Emerald Access. Get VIP treatment — whenever you call, we’ll move you to the front of the line.

Lifetime Crown Benefits. When you’ve been with us for 20 years, you’ll receive lifetime insurance renewals — even if there are changes to your driving records.

Note: These definitions are intended only as a guideline. All terms and coverages are defined solely by your policy. Eligibility for this discount may be based on how long you’ve maintained your current Progressive policy.

Dove Insurance offers Home & Auto Bundles w/ Progressive!

Premium Credits For Personal Auto Insurance

As I mentioned in a previous post, numerous personal auto insurance carriers in Virginia are sending out “stay at home” credits or “premium payback” to their customers.

The branding of these credits and the payout details vary and are specific to each carrier. But the basic intention is the same: you’ll receive a credit on a portion (15% to 25%) of your April and May premiums.

Some carriers are applying this credit on a customer’s next bill and others are simple sending out a check in the mail.

These credits are being automatically applied so there is nothing you need to do. even your policy is paid in full you’ll still receive the credit.

If you have questions simply give us a call (540) 382-4277

Here are some examples of what carriers are offering:

Save $$$ On Your Personal Insurance

For over 50 Years Dove Insurance has served the Commonwealth of Virginia to help provide multiple insurance services. We’re family owned and operated, and take pride in reaching all across Virginia.

Let us help with your Home, Auto, Motorcycle, RV, and rental properties today. It’s free to quote and we’ll compare rates with multiples carriers to get you the lowest price without sacrificing your coverage limits.

And it’s easy to switch and you’ll get a refund from your prior carrier as they’ll only charge for the number of days the policy was in force.

Too Busy to Call?

Try our text only line to talk with our Family of Independent Agents:

TEXT US AT (540) 253-1253

No Matter Where You Live In Virginia

We’re located in the heart of the New River Valley and have been since the beginning. Yet each and everyday we speak with residents across our Commonwealth from Bristol to Blacksburg, Roanoke to Lynchburg, Richmond the Virginia Beach, and any location in Virginia.

Let Us Help

And the best part, we’re here for you when needs arise such as policy changes, billing questions, reporting claims, or questions regarding coverage. 

We’re here to serve you.

Will Additional Landscaping Improve Your Home’s Value?

Spring is here! If you could’t tell from the slightly warmer weather then the garden center lines at home improvement stores should tip you off.

There’s a lot going on with the COVID-19 situation, but nature always keeps itself moving. Perhaps it’s because we have some extra time on our hands or that garden centers are one of the few places still open for business, but landscaping has taken a higher priority for most homeowners this year.

As you walk through the aisles of perennials and annuals do you opt for pieces that you personally like or do you choose options that may improve your property value?

First impressions count, and when a buyer sees your home for the first time, curb appeal and the care of the landscaping are the first indicators of how well the home has been cared for.

SFGATE HOMEGUIDE

Before you start planting or removing existing pieces ask yourself about your commitment level. If you have doubts about finishing your project or if it may prove too complicated then look at hiring a local landscaping professional. Most of these local companies provide free estimates and have numerous options available, depending on your needs.

A well-landscaped home has a significant price advantage over a home with no landscaping. This advantage ranges from 5.5 percent to 12.7 percent depending on the type of landscaping and the home’s original value.

SFGATE HOMEGUIDE

Where to start? Remember that a well cared for property doesn’t have to mean an expensively cared for property. Many shrubs and perennials can be purchased very inexpensively. So when deciding between a Japanese maple (beautiful and costly) and the golden arborvitae (beautiful and much cheaper) think about your ROI (return on investment).

Here are a few tips to consider:

  • Shrubs can be purchased in multiple sizes. Smaller containers are cheaper, are easier to plant, and let the shrub grow naturally in your yard.
  • Some shrubs are “forced bloomed” to show you their colors (think azaleas and roses).
  • Always check light exposure and how/if your piece will fit in your garden
  • Flowers, shrubs, and trees grow! Space your choices wisely