Are Auto Insurance Rates Negotiable? (West Chester, PA)

Are auto insurance rates negotiable. Well, the short answer is no auto insurance rates are generally not negotiable. However, there is more to this question than my short answer that I just gave you. So in truth, uh what most people want to know is how they can lower their auto insurance rates. Now, while the premiums, a carrier offers aren’t negotiable, there are actually other ways that you can knock that rate down. Auto insurance carriers determine their fees based on this really complex set of variables that include, you know, uh your driving record and um your age where you live. Uh how many miles you drive in a month? Things like that, which means if you want uh lower insurance rates, then there are several things that you can do. Uh for starters, you can drive fewer miles, which might mean, you know, carpooling or taking public transportation. And let’s see what else? Um Another great idea that you could do to um lower those rates is to improve your driving record by going to driving school. As a matter of fact, some carriers will encourage you to take a defensive driving class in exchange for lower premiums, I gotta say, uh a knowledgeable insurance agent can help you find ways to lower your premiums. So even though rates aren’t directly negotiable, there are definitely plenty of ways to save money on auto insurance.

We’d be happy to review your insurance coverage options with you! Give us a call at 800-337-8556 or visit https://ferulloinsuranceagencies.com.

Can I Cancel My Auto Insurance At Any Time? (West Chester, PA)

Have you ever wondered if you can cancel your auto insurance policy at any time? The simple answer is yes, you can.

You’re not under any obligation to keep your insurance for any length of time. However, canceling your insurance can be a tricky business. If you plan on continuing to drive your car, you’ll need to have another auto policy ready to go once the cancellation goes through.

Also, if you’ve paid your insurance for six months or a year ahead of time, it may take some time before your policy is prorated and the unused funds are returned before making a final decision to cancel your policy.

Make sure your new policy is ready, and be prepared to wait for any prorated premiums, in our opinion.

The best way to make sure you never have to cancel your policy is to find a knowledgeable insurance agent you can trust and have them help you set up your auto policy.

We’d be happy to review your insurance coverage options with you! Give us a call at 800-337-8556 or visit https://ferulloinsuranceagencies.com.

Get your pet ready for game day!

When your pets go out of bounds at the snack table, the main event can turn into a trip to the emergency vet.

Thankfully, you can keep your pet safe with a little game day preparation.

 

Game day safety for pet owners

Don’t drop the ball when it comes to pet safety on game day.

Be the referee when it comes to snacks

Tailgating treats can be irresistible for your pets. Make sure to keep food in sight and out of paw’s reach.

Know the playbook

Prevent accidental pet poisoning before the game starts so you can watch with less worry.

Keep a lid on trash cans and keep your pet out of trouble

• Don’t leave food on low tables where pets can reach

• Keep any snack displays in sight if possible

Walk pets early so they’re less inclined to cause mischief

 

Stay safe all year round with Ferullo Insurance Agencies LLC (Agency Channel) and Nationwide®

Nationwide offers coverage on game day and every day, plus 24/7 access to vethelpline® for all pet insurance members.

See why most choose Nationwide pet insurance to protect their pets. Click on the link for a free quote! CLICK HERE
URL: https://agency.petinsurance.com/ferulloinsurance

Enrollment line for customers: 1-844-397-8939; mention discount Code N14322 for 5% client discount.

Business Insurance Coverages – Cases #5 and #6 – West Chester, PA



The final segment in our video series about what insurance a small business actually needs.

Bad Luck Case #5
We review the need for Employment Practices Liability Insurance.

Bad Luck Case #6
A Key Man Life Insurance Policy would have been very helpful, giving the business valuable time to recover from the loss.

Call Ferullo Insurance Agencies in West Chester, PA at (800) 337-8556

Business Insurance Coverages – Cases #3 and #4 – West Chester, PA



As we continue our series of business insurance examples…

See how Bad Luck Case #3 might have been improved with a Property Insurance Policy that included Debris Removal Coverage, along with Business Income Insurance.

Bad Luck Case #4 reveals a very real need for Cyber Liability Insurance with Data Ransom Coverage

Call Ferullo Insurance Agencies in West Chester, PA at (800) 337-8556

Business Insurance Coverages – Cases #1 and #2 – West Chester, PA



What insurance does a small business actually need?
Much of a business’s success depends on how well it can overcome obstacles.

Ferullo Insurance Agencies is here to help guide you through the perils that you likely don’t anticipate.

Bad Luck Case #1
In this example, the hefty legal and judgment costs would have been covered by Hired and Non-Owned Auto Liability Insurance, up to purchased policy limits.

Bad Luck Case #2
ACME had Worker’s Compensation Insurance that covered Julie’s expenses, but not Colleen’s. The state identified that ACME had misclassified Colleen, which led to hefty penalties and judgments for medical costs and damages.

Call Ferullo Insurance Agencies in West Chester, PA at (800) 337-8556