Tag: auto insurance
COVID 19 Consumer Insurance Tips
These days you can’t go online without seeing dozens of opinions, speculation and, at times, misinformation about how COVID 19 will affect our lives. Every industry has seen some kind of change; some have seen an uptick in sales, while many more have seen varying levels of income loss. Insurance is no different, though admittedly, […]
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How the Safe Driver Insurance Plan Point System Effects Car Insurance Rates
We all know that an at-fault accident or moving violation will most likely increase your car insurance rates. These are called surchargeable events, but not all are created equal.
read more »How Do Insurance Deductibles Work?
Insurance deductibles are something our agents mention quite often. You most likely have heard of this term, know what it means, but are confused about how the amount of your deductible impacts your insurance.
read more »Hitting a Pothole: Winter Weather Woes
Ouch! You’re driving along when all of the sudden you encounter a huge bump in the road. Hitting a pothole is never fun. When water freezes, pavement expands, causing potholes to appear left and right when temperatures are below freezing.
read more »Top 5 Questions to Ask Your Independent Auto Agent
Shopping around for auto insurance? If so, making contact with an independent auto agent can be a great resource in finding a comprehensive policy at an affordable price. Working with an independent agency means that they represent multiple companies and do not have a bias towards any particular carrier. They are a confidential informant and […]
read more »Dangers of Distracted Driving
We see it almost every day. The masses are stopped at stop lights, checking their phones, putting on makeup, eating food, or daydreaming about some beach they much rather be on. In 2015 alone, distracted driving accounted for 391,000 injuries and 3,477 deaths. Per day, approximately 660,000 people use their cell phones while driving. These […]
read more »Do You Need to Insure Your Food Delivery Driver?
As a delivery driver, your mission is simple—deliver the food while it’s hot, and do it fast. Drivers who are trying to earn a big tip may not always be the safest drivers, which creates liability concerns for the business owner. Driver-sales jobs, including pizza delivery, are categorized among the most dangerous in the country; […]
read more »Four Reasons Why People Drive Uninsured
According to a study by the Insurance Information Institute, 1 in 8 drivers on the road are uninsured. When you do the math, that’s a huge number! Why does it seem like more and more drivers on the road are deciding to forego car insurance? Today, H&K Insurance is going to look at why people […]
read more »Car Water Damage and Insurance
Recently, we covered how damaging a flood can be. In this article, we are going to look at how specifically it can damage your car. You probably don’t think of water as a leading threat to your car, but it can actually wreak a shocking amount of havoc in your car. Rain can get inside […]
read more »Car Safety for Children and Pets
When it comes to car design, everyone seems to be expected to spring forth from birth as fully formed adults. While many drivers take that for granted, for a lucky some of us our most precious passengers don’t fit into this car design’s dream of what a passenger should be. Babies, children, and pets: while […]
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