May 2019 - Udell Family Insurance

Why Driving Experience Matters for Your Insurance Rates

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Here’s how the driver’s experience and age influence their insurance rates.

When your auto insurance provider calculates your premiums, they will look at various personal factors.  Two of the things that they will consider is your driving experience and age.  But how do these factors influence the cost of your car coverage?  Here’s what you need to know.

Inexperienced Drivers

Auto insurers assume that the more driving experience you have, the less likely you are to get into a car crash.  Unfortunately, this means that inexperienced drivers are considered higher risk […]

The Problem with Too Much Car Insurance

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The importance of securing the right amount of car coverage.

If you are currently trying to get car insurance, then you know how confusing the process can be.  Because many car owners are scared of what will happen if they carry too little insurance, they often go overboard on coverage instead.  However, having too little insurance and too much insurance are both problematic.  Here’s why you need to focus on securing the right car coverage to meet your needs.

The Problem with Insufficient Insurance

Obviously, the big risk of not carrying enough auto […]

How Your Credit Affects Your Life Insurance Costs

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Can bad credit influence your life insurance rates?

You know that your life insurance provider will consider things like your lifestyle, age, and health when calculating your insurance rates.  However, did you know that your insurer may also look at your credit?  In some cases, insurance companies will factor in your credit score when setting your premiums.  But how exactly does your credit score affect your insurance costs?  Here’s what you need to know.

How does my insurer use my credit history?

Insurers use your credit history to see a connection between how […]

Top 5 Reasons to Buy Life Insurance

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Why life insurance is an essential coverage.

While you might hate to think about it, life insurance is the best way to offer your loved ones the financial protection that they will need in the wake of your death.  Don’t drag your feet when it comes to getting a policy; here are the top reasons why you need life insurance today.

1) It Pays your Debts

Your life insurance benefit can be used to pay for all of the debts and financial obligations that you leave behind.  For instance, your insurance will pay […]