Matthews NC

Questions You Should Ask an Insurance Agent Before Purchasing Auto Insurance

Posted on by AgentInsure

It is not easy to find good car insurance as there are many aspects of the coverage to consider. You will most likely deal with insurance agents when shopping for auto insurance.

What Questions Should You Ask an Insurance Agent Before Buying an Auto Policy?

Here is a list of the main questions to ask:

How much will I pay for my insurance?

Your monthly premium depends on an insurance company and specific factors, including the following:

  • Driving history
  • The value of your car
  • Marital status
  • Driving experience
  • Occupation
  • Annual mileage
  • Gender and age

Ask an insurance agent about all these factors, the cost of your insurance, and the options to lower your premium. 

What is my deductible?

A deductible is an amount you have to pay out of pocket before your insurance kicks in. The higher deductible you choose, the lower your premium will be. However, choosing an insurance plan with a high deductible is risky because you may not be able to afford it. You should remember that you have to pay the deductible first before your insurance kicks in. Therefore, make sure to have a deductible you can afford. 

What if I have to file a claim?

Make sure to ask an agent about the process of filing a claim. Will you have to deal directly with an insurance agent or a claims adjuster? It is never fun to file a claim, so it is important to know how exactly the process of filing a claim goes.  

JC Demo Insurance Group – Your Reliable and Trustworthy Insurance Company in Matthews, NC

Suppose you are shopping for auto insurance and need help with finding the perfect auto insurance plan. In that case, you should contact JC Demo Insurance Group serving clients in Matthews, NC, and other surrounding areas. Our company specializes in different types of insurance, and one of them is auto insurance. If you have any questions, feel free to browse our website or give us a call – one of our experienced insurance agents will provide you with the information you need. 

When should I buy life insurance?

Posted on by AgentInsure

Many people put off buying life insurance because they think they don’t need it or don’t have time. But the fact is, everyone needs life insurance, and it’s never too late to buy a policy. It is important to know when you should buy life insurance and how to go about getting a policy. We can offer some tips for reviewing your policy and ensuring it meets your needs.

Different policies at different stages of life

The first step in determining whether you need life insurance is calculating how much coverage you might need. This will depend on several factors, including age, income, debts, and dependents. Some general guidelines suggest that you should aim for at least five to ten times your annual salary in coverage. This may be more if you have a young family and a large mortgage and could be less if you have fewer responsibilities and debts.

Once you have determined how much coverage you need, the next step is to compare rates and choose a policy. Different providers will offer different terms and premiums, so it’s essential to research and find the right fit for your situation.

Once you have enrolled in a life insurance policy, it’s crucial to review it regularly to ensure that it still meets your needs. This might involve updating your beneficiaries or changing the amount of coverage based on changes in your financial situation. With proper care and attention, a life insurance policy can provide peace of mind and financial security for you and your family for many years.

Contact us today!

Call JC Demo Insurance Group today if you have any questions about how much life insurance you should carry. We proudly serve the Matthews, NC area.

Commercial Insurance Protects Your Livelihood

Posted on by AgentInsure

Are you a business owner in the Matthews, NC area? If so, is your business insured? If not, the JC Demo Insurance Group can provide the necessary protection.

Commercial insurance is one of the most vital investments you can make when starting a new company. A good commercial insurance policy protects your company from severe financial loss. It can be the difference between going out of business or staying afloat in the case of a costly lawsuit. It is important to be knowledgeable about the different types of commercial insurance.

There are three main types of commercial insurance.

  • Liability insurance protects your company against damage inflicted on any employee, customer, or client. It covers the cost of the property or personal injury lawsuits that occur in your place of business.
  • Property insurance covers any damage to the business property, such as a fire or flood.
  • Workers’ compensation insurance offers you protection in case any of your employees are hurt or become ill because of their job. This coverage prevents employees from filing a lawsuit for negligence against you.

There are specialized forms of insurance coverage under each of these broad categories that protect you from liabilities related to your business.

Remember that as your business grows, your insurance needs may change. Become knowledgeable about commercial insurance so that you can expand your coverage.

Your insurance agent can discuss specific losses common to your business and present coverage options for your business. Don’t be unclear about terms or conditions; ask questions about specialized information. Open communication with your agent is vital.

The JC Demo Insurance Group professionals can provide a no-obligation quote or answer any questions you may have. Contact our office today. You will be glad you did.

 

The Importance of Regularly Replacing Your Windshield Wipers

Posted on by AgentInsure

Your windshield wipers help remove rain and debris from your windshield while driving. This helps to ensure you can see as you are on the road. Here at JC Demo Insurance Group, serving the greater Matthews, NC area, we know that many drivers know what their windshield wipers are used for but do not often realize why replacing them regularly is so important. Here are a couple of those reasons. 

It helps Increase Your Visibility.

The number one reason why it is so vital that you regularly replace your windshield wipers is that doing so helps to increase your visibility. It helps to ensure that you cannot see due to smudges or smears that can occur when your windshield wipers are worn or damaged. 

It helps Prevent Windshield Damage

The other reason why it is so crucial that you regularly replace your windshield wipers is that worn wipers can damage your windshield, leaving behind scratches. These scratches can be permanent, and the only way to remove them may be to replace your windshield. Your windshield is much more expensive than simply replacing your windshield wipers. 

Having windshield wipers in good condition helps to ensure that moisture and debris can be removed from your windshield while driving, helping to decrease the chances of an accident occurring because you cannot see. While replacing your wipers can help to decrease your chances of an accident for these reasons, it can not prevent an auto accident altogether. This is why having auto insurance that fully covers and protects you is so important. The JC Demo Insurance Group team, serving the greater Matthews, NC area, can help you find the right insurance policy. Call us today to get started. 

The Importance of Regularly Replacing Your Windshield Wipers

Posted on by AgentInsure

Your windshield wipers help remove rain and debris from your windshield while driving. This helps to ensure you can see as you are on the road. Here at JC Demo Insurance Group, serving the greater Matthews, NC area, we know that many drivers know what their windshield wipers are used for but do not often realize why replacing them regularly is so important. Here are a couple of those reasons. 

It helps Increase Your Visibility.

The number one reason why it is so vital that you regularly replace your windshield wipers is that doing so helps to increase your visibility. It helps to ensure that you cannot see due to smudges or smears that can occur when your windshield wipers are worn or damaged. 

It helps Prevent Windshield Damage

The other reason why it is so crucial that you regularly replace your windshield wipers is that worn wipers can damage your windshield, leaving behind scratches. These scratches can be permanent, and the only way to remove them may be to replace your windshield. Your windshield is much more expensive than simply replacing your windshield wipers. 

Having windshield wipers in good condition helps to ensure that moisture and debris can be removed from your windshield while driving, helping to decrease the chances of an accident occurring because you cannot see. While replacing your wipers can help to decrease your chances of an accident for these reasons, it can not prevent an auto accident altogether. This is why having auto insurance that fully covers and protects you is so important. The JC Demo Insurance Group team, serving the greater Matthews, NC area, can help you find the right insurance policy. Call us today to get started. 

Home Insurance for Your Historic Home

Posted on by AgentInsure

Founded during the 1800s, Matthews, NC offers many historic properties, but these require the coverage of a specific home insurance policy – an HO8 policy. The HO8 policy from JC Demo Insurance Group covers any architecturally significant home but most frequently gets purchased locally to cover older properties.

Which Homes Qualify for an HO8 Policy?

While owners of newly built homes typically choose HO3 policies, owners of homes designated for historical preservation purchase HO8 policies. Others qualify for this beneficial policy, though.

  • If you own a home built 50 years ago or more, your home may qualify for a historical policy. Some underwriters allow these policies for homes built as recently as 40 years ago.
  • Suppose you own an architecturally significant home, such as one designed by a world-famous architect or built in a unique style or with imported materials. In that case, your home may qualify for an HO8 policy.

What Makes an HO8 Policy Different?

A historical home policy offers replacement cost value for a historic or architecturally significant home. That means that if something happens to destroy the house you own, your policy would fully cover rebuilding it. 

So, if you import carved wood doors from Italy, and fire damages them, your HO8 policy covers replacing them – not with any old doors, but with new carved wood doors from Italy by the same artisan. An HO3 policy wouldn’t typically cover the replacement of the exact materials originally used.

Contact JC Demo Insurance Group

Contact JC Demo Insurance Group to learn more about protecting your historical home in Matthews, NC with an HO8 policy. Let us help you protect your investment.

What comes with a typical auto insurance plan in North Carolina?

Posted on by AgentInsure

Owning a car in the Matthews, NC area continues to be a good idea. When you are a vehicle owner in this part of the state, you will find it makes it much easier to get around the community. As you are looking for a car, you should also consider your insurance needs. A standard auto insurance plan in this state offers various forms of coverage. 

Protection for Your Car

One of the ways that your auto insurance plan here can protect you is by giving support and protection for your car. If you are a car owner, being able to replace or repair it following an accident or other situation is always a good idea. If you have a full auto insurance plan with comprehensive support, you will have the coverage to protect your car. 

Liability Coverage

Your auto insurance plan will also give valuable liability protection. There is always a risk that you could cause an accident that results in damage. In these situations, your auto liability insurance plan will give you the necessary coverage to offset these damages. Not only is this a helpful form of coverage, but you will be required to carry liability insurance if you want to drive a car on the road throughout the state. 

There are plenty of great reasons to get an auto policy in the Matthews, NC area. When you are ready to start shopping for a plan, you should begin your search by calling the JC Demo Insurance Group. There will always be plenty of choices and options to consider when looking for auto coverage, and the JC Demo Insurance Group can simplify the process for you. This will give you comfort that you are selecting an ideal plan for your situation. 

Four Tips When Shopping For Home Insurance

Posted on by AgentInsure

Home is a whole investment. You’ve probably spent all your savings on building or buying your home. That said, there is a lot to consider about the safety of your home. One of the ways to protect your home is by buying home insurance.

However, when buying home insurance, you need to consider factors besides the price. At JC Demo Insurance Group, we want to give the best tips to have in mind when purchasing home insurance.

Know what the policy covers and the exclusions

The first thing you need to do is read your policy carefully to understand the coverages and the exclusions. Standard home insurance protects against fire, vandalism, and roof leaks but excludes damage from maintenance issues like pest infestations and mold. Floods and earth movements are also not included, and you may require separate coverage.

Decide the coverage you need

Knowing what the policy covers and its exclusions help you decide how much coverage you need to protect your home thoroughly. To guide you on what coverage you need may be the location of your home and the contents inside your house.

Add liability protection

Most people focus on the house and belongings and may overlook liability coverage. Liability insurance covers common accidents that may happen to a third party in your compound. For example, bad falls or dog bites may attract high medical expenses and even lawsuits if you get sued, which gives you enough reasons to purchase liability coverage.

Consider the replacement cost value.

When getting your home insurance, ensure the policy covers you fully in case a catastrophe damages your home completely. Your policy should be adequate to rebuild your house from scratch.

Home insurance in Matthews, NC

The tips above will help you get the proper coverage for your home. Ready to purchase home insurance in Matthews, NC? Please get in touch with JC Demo Insurance Group for a quote.

Protect Your North Carolina Small Business With Commercial Insurance

Posted on by AgentInsure

As a small business owner, you have your hands full with the day-to-day operations of your company. It’s challenging to find time to think about things like commercial insurance. But protecting your business with the right insurance policy is essential. Not only will it give you peace of mind, but it will also give you financial protection if something goes wrong.

Types of Commercial Insurance

There are many types of commercial insurance available, and the type you need will depend on the size and type of business you have. Some common types of commercial insurance include:

Property Insurance

This type of insurance can help cover the cost of repairs or replacement in the event of fire, vandalism, or other covered events that damage your property.

Liability Insurance

This type of insurance can help cover the cost of medical bills, legal fees, and more if an injury occurs on your property or if you’re sued for damages. A JC Demo Insurance Group agent can help you determine the right amount of coverage for your business.

Product Liability Insurance

This type of insurance can help protect your business from financial loss if a product you sell causes injury or damage. 

Commercial Auto Insurance:

If you have company vehicles, this type of insurance can help protect your business from financial loss in an accident. 

As a small business owner, you must ensure you’re adequately protected with commercial insurance. This type of insurance can help cover the cost of property damage, liability, and more. These are only some of the different commercial insurance available to benefit your small business. Contact JC Demo Insurance Group in Matthews, NC today if you have questions about commercial insurance or want a quote.

How to Avoid Leaving Your Loved Ones Unprotected by Purchasing Life Insurance

Posted on by AgentInsure

No one likes to think about their death. It’s a morbid topic that most of us would rather avoid. But the truth is, death is a part of life. And if we don’t plan for it, we could leave our loved ones in a challenging position. One of the best ways to protect your loved ones is to purchase life insurance.

But how does life insurance protect your loved ones? Below are four ways:

1. Life Insurance Can Pay Off Your Debts

If you have any outstanding debts – such as a mortgage, car loan, or credit card debt – life insurance can help your loved ones pay them off. This can be a huge burden lifted off their shoulders, and it can help them avoid financial hardship. The last thing you want is for your loved ones to struggle financially after you’re gone.

2. It Can Replace Your Income

If you are the primary breadwinner in your family, your death could have a significant financial impact on your loved ones. Life insurance can help replace your income and maintain your standard of living. This is especially important if you have young children who depend on you financially.

3. Life Insurance Can Pay for Final Expenses

When you die, some final expenses will need to be paid – such as funeral costs, burial costs, and any outstanding medical bills. These expenses can add up quickly and can be a financial burden on your loved ones. Life insurance can help pay for these expenses, so your loved ones don’t have to worry about it.

4. The Policy Will Help Your Loved Ones Keep Their Home

If you are the primary breadwinner in your family and you have a mortgage, your death could put your loved ones at risk of losing their home. Life insurance can help pay off the mortgage, so they don’t have to worry about it. This can give them peace of mind and security during difficult times.

5. Life Insurance Can Ensure Your Loved Ones Pursue Their Dreams

If you have young children, you might consider purchasing a life insurance policy to help pay for their education. This can be a great way to help your loved ones pursue their dreams and reach their full potential.

Purchase Life Insurance and Protect Your Family Today

Purchasing life insurance is one of the best ways to protect your loved ones. It can help pay off debts, replace your income, pay final expenses, and keep your family in their home. It can also help pay for your children’s education. If you’re looking to purchase life insurance for Matthews, NC, JC Demo Insurance Group can help. We offer a variety of life insurance policies to meet your needs. Contact us today to get started.