Month: June 2025

Do I Need to Carry Full Coverage Insurance on My Old Car?

Posted on by AgentInsure

While new cars are released every year, many drivers prefer to keep their older vehicles to save money and avoid car payments. Some individuals in Matthews, NC, also find that they don’t drive as often as they used to, making a new car unnecessary. Whatever your reason for sticking with your older car, JC Demo Insurance Group is here to meet your insurance needs.

Reasons to Consider Dropping or Keeping Full Coverage

The general consensus is that full coverage is most beneficial for cars less than 10 years old. For vehicles older than 10 years, there are several factors to consider when deciding whether full coverage is still worthwhile:

  • Your insurance bill may decrease significantly if you drop full coverage.
  • Maintaining full coverage provides peace of mind, whether you drive your car daily or only occasionally.
  • Comprehensive and collision insurance can cover costly repairs, saving you from paying out-of-pocket.
  • As your car ages, its value depreciates. This means the cost of full coverage may no longer align with the car’s reduced value.
  • If your older car is involved in an at-fault accident, your insurance premium may increase, potentially exceeding the car’s value, especially for vehicles over 15 years old.
  • Without full coverage, you will be responsible for any damages, which could create a financial burden.

Contact JC Demo Insurance Group

If you’re driving an older car in Matthews, NC, let the team at JC Demo Insurance Group help you determine whether full coverage is still the right choice for your vehicle. We’ll walk you through the pros and cons so you can make an informed decision. Contact us today to learn more!

How Home Insurance Addresses Theft and Vandalism

Posted on by AgentInsure

When your home is your sanctuary, the thought of theft or vandalism can be unsettling. At JC Demo Insurance Group in Matthews, NC, we understand how important it is to feel secure in your space. That’s why home insurance isn’t just about protecting the structure—it’s about ensuring you feel safe and protected.

What Happens When Theft Occurs?

If someone breaks into your home and steals belongings, your home insurance policy can help cover the cost of replacing those items. Items like electronics, jewelry, and furniture are typically included under personal property coverage. Keeping a home inventory is essential, as it provides a record of what you own and what might be missing. Filing a police report is usually the first step, followed by notifying your insurance company to start the claims process.

Dealing with Vandalism

Vandalism can be just as distressing as theft. Whether it’s broken windows, graffiti, or other forms of damage, most standard home insurance policies include coverage for these acts. Your policy may help pay for repairs or replacement of damaged property, depending on your deductible and coverage limits. Acting quickly is key—document the damage, contact the authorities, and contact your insurance provider.

Why Having the Right Policy Matters

Not all home insurance policies are created equal. Coverage amounts, deductibles, and exclusions can vary widely. It’s important to review your policy regularly to ensure it still fits your needs, especially if you’ve recently made upgrades or large purchases.

If you’re unsure whether your current policy offers enough protection, let us help. Contact JC Demo Insurance Group in Matthews, NC today to get a free quote or schedule a policy review. We’re here to help you protect what matters most.