Mabel Ray

About Me
Insurance 101: Tips and Tricks to Choosing the Right Policy

Since my parents always added me to their auto insurance policy when I was a teenager, I never learned how to make educated insurance policy decisions. When I moved out of my parents house at the age of 25 and it was time to get my own policy, I was overwhelmed with all of the decisions I had to make. Thankfully, my parents were eager to teach me what each insurance coverage option meant and what the best choices were for me. I learned a lot about insurance during this experience, and I am eager to share what I learned with others on my new blog. I also plan to include many tips on choosing health and homeowners insurance policies, so check back often if you want to learn a little more about insurance!

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The Role of Deductibles in Your Car Insurance Plan

3 January 2024
 Categories: Insurance, Blog

When it comes to car insurance, there are many factors to consider. One key aspect that can greatly affect your policy and premiums is the deductible. Understanding what a deductible is and how it works is essential for making informed decisions about your car insurance. What Is a Deductible? A deductible refers to the predetermined sum of money that you are responsible for paying before your insurance coverage takes effect. It is a set amount that you are responsible for paying in the event of a claim. Read More …

When Do You Need SR22 Insurance?

17 November 2023
 Categories: Insurance, Blog

If you're unsure about what SR22 insurance is or when you need it, you're not alone. Many people are unaware of this type of insurance, which can create some confusion when it's required. This blog post will discuss what SR22 insurance is, why you might need it, and how to obtain this type of insurance. What Is SR22 Insurance? Simply put, SR22 insurance is a type of car insurance that's required by law. Read More …

Navigating Temporary Housing: How Insurance Steps In After A House Fire

13 September 2023
 Categories: Insurance, Blog

The devastating aftermath of a house fire is a trying experience for homeowners. Aside from the emotional toll, the practical realities like finding a temporary place to live can be overwhelming. Thankfully, if you have homeowners insurance, you can find solace in the fact that temporary housing might be covered. Here's a breakdown of how insurance typically handles this aspect. The Essence of Additional Living Expenses Many homeowners insurance policies include what's known as additional living expenses (ALE) or Loss of Use coverage. Read More …

3 Ways To Save On Car Insurance After A DUI

20 July 2023
 Categories: Insurance, Blog

Did you recently get a DUI? If so, this is probably a stressful time. You may face fines, a license suspension, and even a jail sentence. Another long-term consequence is an increase in your car insurance premiums. Any traffic violation often increases premiums. However, a DUI is a significant violation, so you could see a large premium increase after your conviction. The good news is there are steps you can take to reduce your premiums and save some money. Read More …

Exploring Essential Coverage Options Offered By Commercial Insurance Agencies

30 May 2023
 Categories: Insurance, Blog

Commercial insurance plays a vital role in protecting businesses from financial risks and liabilities. With various coverage options available, it is crucial for business owners to understand the types of insurance that best suit their needs. Here are four essential coverage options offered by a commercial insurance agency, providing insights into the protection they provide and their significance for businesses. General Liability Insurance General liability insurance is a fundamental coverage option for businesses, safeguarding against common risks and potential lawsuits. Read More …