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.

Deciding How Much Life Insurance You Need

It’s difficult to think about your final expenses and image your loved ones having to continue without you. You don’t want to leave your family without anyone to support them or have to pay off the cost of your funeral and other final expenses. At Dove Insurance Agency, serving Blacksburg, VA, and the surrounding area, we can determine an ideal policy to fit your needs, wants, and budget. 

Determine Your Living Expenses

The first step to determining how much insurance you require is to assess your current living expenses. We advise you not to guess at this step. You should look at bank statements and truly total up your expenses. Think about how long it is until your mortgage is paid off. You also want to consider if your spouse works. Keep in mind, if your spouse goes back to work, he or she will need to hire someone to take care of the kids. On the other hand, if you are the stay at home parent and you should happen to pass, you have to consider who will take care of the kids.

Take Into Account Your Debt and Savings

You have to consider the amount of debt you have besides your average monthly expenses. Additionally, you have to take into consideration if you have any savings, 401Ks, or any other money that would go to your family. 

Think of Your Extra Expenses 

You want to think about your children going to college or any money that goes toward taking care of a family member. Keep in mind, you may need to get you and your family health insurance. Funeral expenses fit into this category as well. 

Contact Dove Insurance Agency, serving Blacksburg, VA, and the nearby region, to determine how much life insurance you need by calling or visiting our site. 

 

 

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.


Preparing for the Life Insurance Test

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. 

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.