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Anthony Lancaster Insurance, Inc Blog

# Qualities to Look for In An Insurance Agent When Getting Auto Insurance

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Auto insurance is essential as it helps you when things go wrong. Whether your car insurance policy is a liability-only policy or your car insurance is full coverage, having auto insurance can help you avoid some of the financial liability that comes from driving a car. When you’re in an accident, car insurance is there to relieve some of the burden.

Your insurance agent at Anthony Lancaster Insurance Inc., serving Memphis, TN, and the surrounding area, can help. Finding the right insurance agent is important when shopping for car insurance. The right insurance agent can answer your questions to help you make an informed decision when choosing an insurance policy. Here’s what to know.

Qualities of a Good Auto Insurance Agent

A good auto insurance agent will help you find the right insurance policy. This means that when you call to ask questions and discuss auto insurance policies, your insurance agent will give you their undivided attention. They’ll listen to your concerns, talk about your budget, and take the time to answer all your questions.

Responsiveness of an Auto Insurance Agent

A good auto insurance agent will respond to your inquiries quickly. If you leave a message for your insurance agent, a good one will call you back as soon as possible.

Professionalism in an Auto Insurance Agent

It’s important to work with a professional insurance agent. You can tell when an agent is professional by how they answer the phone and discuss their insurance policies. A professional agent will also be polite and organized.

Knowledgeable Auto Insurance Agent

Hiring an insurance agent knowledgeable about insurance and the policies they sell is very important. This is why many people turn to the professionals at Anthony Lancaster Insurance Inc., serving Memphis, TN, and the surrounding area. We offer car insurance and other types of policies to help our customers. Call today to make an appointment.

Should You Cancel Your Motorcycle Insurance for Winter?

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In the colder months, it’s rare to see a motorcycle on the road in Memphis, TN; it’s stored in the garage. This might persuade you to cancel your motorcycle insurance. Paying premiums for an unused bike may seem useless, but gather information from Anthony Lancaster Insurance Inc. before taking action.

Do You Need Motorcycle Insurance If You Don’t Ride It in the Winter?

Yes, you do. Motorcycle insurance does more than protect you on the road. It protects you against theft, vandalism, fire, and damage when it’s not in use. If you cancel your insurance coverage, you risk losing that protection. Should something happen, you must pay for the incident out of pocket. Whenever you reapply for motorcycle insurance, you’ll pay higher rates.

In addition, winter weather in Memphis, TN is not 100% snow, ice, and chilly winds. It’s not unusual to see winter days reach 70 degrees. If you cancel your policy, you must pay for auto accidents and bike damage until you get a new policy.

Furthermore, this option is for bike owners. Motorcyclists who do not own their motorcycles cannot cancel their policy.

Can You Lower Insurance Premiums Instead?

It depends on the insurance provider. Some allow a rate reduction as long as the motorcycle is in storage. Should you ride it regularly, premiums may return to normal or higher rates. Some suspend, pause, or make the policy inactive until you reactivate it. Others offer a lay-up policy that suspends every type of motorcycle coverage in your policy but comprehensive coverage. You pay a reduced rate for keeping your motorcycle in storage.

Year-round coverage is the best option for motorcycles in the winter. However, one of our insurance agents will examine your policy to see if you are eligible for lower rates while maintaining protection. Call or visit Anthony Lancaster Insurance Inc. for more information about adjusting motorcycle insurance rates.

Navigational Limits and Existing Boat Insurance Policies in Memphis, TN

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Memphis, TN, offers a wealth of natural beauty, making it an ideal location for boating enthusiasts. However, understanding the navigational limits outlined in your boating insurance policy is crucial for those residing in or near Memphis. These limits define the areas where your insurance coverage applies, and comprehending them can prevent financial vulnerability in case of damage or a serious accident.

Navigational Limits Explained

Traditional insurance policies typically specify navigation limits to protect your boat or watercraft. These limits determine the geographical areas where your boat is insured. While some policies may cover local and regional waters, they might not provide protection if your boat is used in international waters.

The Significance of Navigational Limits in Memphis

In Memphis, boating insurance policies enforce navigational limits to specify the locations covered under particular policies. This benefits boaters who wish to insure their boats or watercraft in specific rivers or regions near their residence. Being aware of the exact navigational limits in your boating insurance policy can protect you against unexpected risks, such as accidents occurring outside the active coverage limits.

Whether you’re a novice boat owner or a seasoned mariner, having the right insurance policies can significantly impact your experience and coverage. For more information about navigational limits in boating insurance policies, contact Anthony Lancaster Insurance Inc. in Memphis, TN. To schedule a consultation, contact Anthony Lancaster Insurance Inc. directly today.

Why Aren’t Floods Covered By Standard Home Insurance Policies?

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Home insurance is a necessary part of homeownership and is often required to secure a mortgage. However, it can raise a lot of questions. For instance, why are incidents like theft and fires often covered by home insurance policies while disasters like floods are not? If the goal is to protect your home and ensure it’s covered during an emergency, wouldn’t protecting it against floods be a natural part of that? Let’s explore why standard home insurance policies don’t include flood insurance. When you’re ready to cover your home, the Anthony Lancaster Insurance Inc. team in Memphis, TN, is here to help!

Why Flood Coverage Isn’t Automatically Included in Your Standard Home Policy

So, why aren’t floods covered? The answer is quite straightforward. The damage that floods can cause is quite expensive, requiring more coverage than your standard home insurance typically provides. If insurance providers were to automatically include the costs of flood damages into home insurance policies, it would significantly raise your rates. This wouldn’t be beneficial to anyone, especially new homeowners already grappling with homeownership costs. By making flood insurance an add-on rather than a standard part of your home insurance policy, you save money.

Secure Your Home with Additional Flood Insurance from Anthony Lancaster Insurance Inc.

Home insurance is essential for keeping your home covered in the event of an emergency, but add-ons like flood insurance can further protect your property if you live in an area prone to flooding. Get flood insurance with us at Anthony Lancaster Insurance Inc. in Memphis, TN. Compare quotes now, or contact us if you have any questions!

Just Married! What to do About Life Insurance?

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Congratulations on finding someone you want to share your life with! Do keep in mind that agreeing to share your life with someone means sharing life insurance with them. After all, you are entering a financial partnership on top of personal. After the honeymoon, you are going to need to have a long conversation about life insurance. You will undoubtedly need to have one before you have any little visitors. Death benefits will help the surviving member of the couple be financially supported.

Your Options

You may be able to get supplemental life insurance through your employer. You could name a beneficiary at a group rate. Joint life insurance would cover both of you. First-to-die life insurance provides the surviving policyholder with the death benefit in the event that the other policyholder dies. Second-to-die life insurance, also known as survivorship life insurance, pays a death benefit to the second surviving policyholder who dies, going to their chosen beneficiaries. You may want to discuss if term or permanent life insurance is in your best interests. Term life insurance has a fixed cost, usually for a decade or two. You can renew it, but it may cost more. Permanent life insurance is just what the name suggests. It initially cost a little more, but renewing it is unnecessary. You and your spouse may want to sit down together and discuss what insurance plan would best fit your needs.

Contact Anthony Lancaster Insurance Inc. in Memphis, TN

If you and your spouse live in Memphis, TN, and need someone to help you figure out life insurance, please get in touch with us at Anthony Lancaster Insurance Inc. We’d be happy to help.

Should College Students Take Out Renters Insurance?

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The short answer to the question of whether college students need renters insurance is yes. For a more detailed explanation, read on. If you’re looking for insurance agents that serve Memphis, TN, get in touch with Anthony Lancaster Insurance Inc. We can help you select renters insurance and other policies as well. The right insurance policies can mitigate many risks.

Why College Students Need Renters Insurance

Some people believe that the landlord’s insurance policy will provide enough protection. While a landlord’s insurance policy may help with many things, the coverage for renters is often minimal. It’s wise to speak with landlords when you’re considering renting a unit. It would help to ask them what their policy does and doesn’t cover.

You have to read the fine print to determine what is and is not covered by a specific policy. However, a landlord’s insurance often won’t cover a renter’s private property. If someone breaks in and steals your computer or a storm damages your television set, the landlord’s insurance may not cover your personal property. If you don’t have separate coverage for your personal property, you may have to cover all the replacement costs in case of theft or other issues.

The right renter’s insurance policy will provide protection in the case of theft, weather events, and more. Once again, it would be best to study the policy closely to see what is and is not covered. Selecting insurance policies can be difficult, and what’s right for you might not be suitable for your roommate. The good news for folks living in or near Memphis, TN is that they can contact Anthony Lancaster Insurance Inc for assistance selecting the right insurance policies. The sooner you get in touch, the quicker you can ensure you’re adequately covered.

How an Agent Can Help With Your Auto Insurance

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Review and Update Your Auto Insurance with Us!

If you have an auto insurance policy that needs review and updating, or you’re searching for a policy for a vehicle you intend to buy, Anthony Lancaster Insurance Inc. is here to assist. We are committed to helping drivers in Memphis, TN, secure the policies they need and keep them updated for optimal coverage. Reaching out to us is the best way to ensure protection for yourself, your passengers, your vehicle, and other drivers on the road.

Partnering with one of our dedicated agents allows you to explore policy options from multiple insurers. You can scrutinize several quotes, compare coverage alternatives, and have all your questions answered. We will then assist you in securing the most suitable policy for your vehicle and driving circumstances, offering you peace of mind and the knowledge that you’re comprehensively covered.

Over time, your vehicle insurance needs may change, and we’re ready to adapt with you. Whether you’re moving house, adding another driver, purchasing a new car, or changing the manner in which you use your vehicle, working with an agent simplifies everything. Whether you prefer to call or to drop by in person for policy adjustments or updates, we’re always happy to assist.

Contact us at Anthony Lancaster Insurance Inc today if you’re in the Memphis, TN area and seeking auto insurance. Having an agent to guide you instills confidence in your policy and simplifies modifications to match your evolving needs. With us, you won’t have to worry about having adequate coverage because we’re dedicated to providing quality insurance for a fulfilling client experience.

Top Motorcycle Insurance Add-ons

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Television commercials might lead you to believe that only a few insurance companies provide customizable policies. However, Anthony Lancaster Insurance Inc. offers policyholders in Memphis, TN, the ability to customize their motorcycle insurance policies using various add-ons. While the specific add-ons may vary across different insurance companies and underwriters, nearly all companies offer the most commonly sought options.

Customizing Your Coverage to Meet Your Needs

What purpose does an add-on serve? An insurance add-on, or scheduled coverage, adds coverage to the policy for a specific item. You can enhance your motorcycle insurance coverage by incorporating commonly used add-ons, including:

  • Accessories coverage, which extends to any item not present on the bike during manufacturing, such as saddlebags, light bars, sissy bars, or luggage racks.
  • OEM parts coverage, which pays for original parts from the manufacturer should your bike require repairs.
  • Trailer coverage includes liability, collision, and comprehensive coverage in case you cause or sustain damage while transporting your motorcycle on a trailer.
  • Personal effects coverage compensates for lost or damaged valuables you carry while using your motorcycle.
  • Emergency roadside assistance provides 24/7 emergency response throughout the U.S. Whether you run out of fuel, encounter mechanical problems, require towing, or lose your keys.
  • Trip interruption coverage refunds you if you must return home before completing your planned journey due to an accident, illness, or unexpected event.

Consult with your insurance agent for any other available add-on options.

How to Update Your Policy

At Anthony Lancaster Insurance Inc., we’ve simplified the process of updating your motorcycle insurance. Whether you reside in Nashville, Granville, Gatlinburg, Erwin, or Memphis, TN, give us a call. Provide us with your name and policy number to access your current policy. Inform us what you want to add to your policy, and we’ll update it accordingly. We will also inform you about your new monthly premium. Let your bike policy cater to your unique needs. Call us today!

Benefits of Insuring Multiple Boats Under One Watercraft Policy in Memphis, TN

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If you reside in the Memphis, TN region, investing in watercraft is common if you cherish activities like swimming, boating, or fishing outdoors. For those who own multiple boats, consolidating your insurance policy into a single watercraft policy can be extremely beneficial.

Cost Savings

Bundling your insurance policies for the boats you own can significantly decrease the cost of your insurance premium. Additionally, you’ll cut down on unnecessary administrative fees when consolidating your insurance policies into one watercraft policy.

Regional Risk Protection

Weather conditions can be unpredictable when boating on various Tennessee lakes and rivers. Therefore, regional risk protection is beneficial. A comprehensive multi-boat insurance policy can be tailored to meet your needs based on the type of boats you own, usage frequency, and usage locations throughout the state.

Compliance

Ensure your boats remain in compliance with local and regional regulations in Tennessee. The state has specific boat regulations that must be adhered to in order to prevent potential fees, penalties, and legal issues.

Unified Communication and Billing

Instead of contacting different independent insurance agents about specific policy conditions, you can streamline your boats and watercraft management process with one agent once you bundle your policies. Manage all policies and coordinate changes with a single policy to save time and reduce unnecessary stress.

Understanding the advantages of consolidating boat insurance policies into one watercraft policy can help simplify your insurance management process. To learn more about your options when insuring multiple boats under one watercraft policy in the Memphis, TN, area, contact Anthony Lancaster Insurance Inc. to speak with one of our highly qualified agents today.

What are Some Common and Incorrect Myths about Flood Insurance?

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If you are a property owner in the Memphis, TN area, it is crucial to ensure that you have the appropriate insurance in place at all times. One type of coverage that might be indispensable is flood insurance. In the course of your research, you may stumble upon several myths associated with flood insurance. It’s essential to familiarize yourself with these common misconceptions about flood insurance.

Home Insurance will Cover Flood Damage.

One common myth associated with flood insurance is that it’s unnecessary as their home insurance plan will cover flood damage. However, this belief is often misplaced. While there might be some protection for flood damage in your home insurance, such coverage is typically rather limited and will not suffice in the event of a significant flood. Only a unique flood insurance plan will offer comprehensive coverage in such situations.

Those Outside of High-Risk Areas Don’t Need Coverage

FEMA has detailed flood maps that indicate areas prone to flood risks. While it is essential to have flood insurance if you reside in an area at high risk for floods, there remains a possibility of flooding even in low-risk areas. Consequently, considering your flood coverage options’s always a good idea.

Flood insurance can be a necessity for many people in the Memphis, TN area. Numerous misconceptions related to this coverage need to be debunked for better understanding. A great way to do this is by seeking assistance from our team at Anthony Lancaster Insurance Inc. Our professionals are ready to help build a new plan and answer any questions you might have.

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