Blog Archives

Rebecca Hovater

Safety Tips For Motorcycle Season

March 31, 2014

The roar of motorcycles is in the air, as baby boomers seek to relive the two-wheel dreams of their youth and drivers of all ages look for lower-cost transportation. According to the Governors Highway Safety Association (GHSA), the number of motorcycle fatalities decreased in 2009, ending 11 years of straight increases. Although things are improving, […]

How Your Spouse’s Driving Record Can Impact You

March 18, 2014

There’s so much to think about when you first get married, and I’m talking about the logistics, not the actual marriage part. There are potential address changes, name changes, status changes…it almost seems endless. I got married last September, and I’m still going through this process. Calling an agent was one of the first steps […]

Auto Insurance Coverage And Deductible Q & A

March 10, 2014

Auto insurance can be confusing, especially since state laws vary and require different kinds of coverage. Below is a general Q&A so that you can familiarize yourself with a few key terms as you make your way through the quote process. Q: Who does my auto insurance policy cover? A: An auto insurance policy typically […]

Replacement Cost vs. Market Value …. Homeowners Insurance

February 27, 2014

When you purchase a homeowners insurance policy, you’ll make a number of decisions about your coverage. One of the most important is whether to insure your home for its replacement cost or its market value. Understanding each option will help you make an informed choice that safeguards your home and your family’s financial future. What […]

Should You Save or Shred?

February 20, 2014

As a State Farm agent, I often am asked what documents are important for a customer to keep or destroy.  People vary in their “savingstyle”.  Do you fall in the category of “pack rat” or “purger” when it comes to your personal documents? The best approach is somewhere in between the two extremes. Try these suggestions […]

Six Factors Affecting Your Auto Insurance Premiums

February 10, 2014

As a State Farm Agent, I am often asked how the insurance premiums are determined.  I ran across this article on State Farm’s Learning Center which you might find helpful.   There are a number of key factors most insurance companies use to calculate how much you’ll end up paying for your auto insurance. What’s important […]

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