How a DUI affects your car insurance rate isn’t straightforward and can depend on a variety of factors. At Brock and Poole Insurance Agency, serving Collierville, TN and the surrounding area, we understand that you need auto coverage to meet your individual situation. Here’s a look at how a former DUI charge can affect your car insurance premium.
Higher Risk Means Higher Rates
If you have been convicted of a DUI, you are considered to be at a higher risk of being an unsafe driver and therefore will see a rate hike in your auto insurance. The circumstances of your DUI conviction and whether or not you were a minor can play a role in how much your auto insurance rate increases. In the state of Tennessee, the blood alcohol content for those over age 21 is .08% and for minors is .02%.
Length of Time After a DUI Affects Rates
A DUI offense stays on your criminal record for the rest of your life in the state of Tennessee. The point at which you can once again be eligible for a safe driver discount is determined on a case-by-case basis.
However, if you exhibit safe driving, your insurance rates will become less of a reflection of your former DUI with each passing year. Keep in mind that there are other factors that influence your auto insurance rate, such as your credit score. By managing your credit card payments and improving your credit, over time, you are likely to see lower car insurance premiums.
At Brock and Poole Insurance Agency, serving Collierville, TN and the surrounding area, we will help you find a rate to meet your needs. If you would like more information about how your DUI can affect your car insurance premium, give us a call today at 901-854-9775.
Collierville, TN residents love to go out and travel the country in their recreational vehicle. At Brock and Poole Insurance Agency we stress the importance of asking the right questions at the right times. The right time to ask this question is not the Friday before the Saturday you promised your bestie that he could take the RV out for his vacation week. Certain policies stipulate that the vehicle is only covered if it is operated by the owner of the policy. If you ask your agent the question before the lend they can help you structure your policy according to your generous nature.
Park your RV right in front of our beautiful office in Collierville, TN. The agents of Brock and Poole Insurance Agency Work diligently to answer every question you may have about your insurance policy. The time to ask is way before you hit the open road. In addition to RV insurance, we assist our clients with home insurance and auto insurance. Serving the great states of Tennessee and Mississippi we are experts at providing the exact right insurance you need to protect your home and auto. In light of the torrential tornado season that we experience in the late spring and early summer months, we specialize in making sure you have adequate protection for your recreational vehicle as well as your motor vehicle and most importantly your home. Specialized service is something that is lacking in the marketplace today. Let us reassure you we know this area of the country, and we know how to protect you. Call us today or stop in – again take the time to ask us before the situation occurs.
No matter what size your boat is, from a kayak to a multi-million dollar yacht, you want to have it properly insured. A small recreational boat, like a canoe or a kayak, may be covered by a home insurance policy under the limits for personal property when it is stored in a garage. Ask your agent to be sure. Even so, you will still need boat insurance for when it is in transport and when using it in the water.
Work with your agent at Brock and Poole Insurance Agency serving Collierville, TN, and the surrounding communities to figure out the exact coverage you need. You want to have adequate insurance for the boat, anything you carry in it, and the people using it.
Coverage for Storage, Transport, and Use
Be sure to discuss where the boat will be kept when it is not in use. There is a difference between keeping a boat moored at a dock and keeping it inside a locked garage. Also, talk about how the boat will be transported and how often it will be taken on the road.
Let your agent know the type of water the boat will be used in. Different coverage may be needed for boats used in freshwater compared to those used in the ocean. Another example is that using a kayak on a still lake is quite different from using it to go down whitewater rapids.
To have adequate insurance you need to figure out the replacement cost of the boat and for any accessories. Replacement cost is the best way to insure things because if something gets lost or damaged for a reason that is covered by the insurance, the insurance company covers the cost to buy a new one of a similar kind.
For example, imagine that you have a marine radio that would fetch only a few dollars at a garage sale. It works so there is no reason to buy a new one. It is covered with replacement cost insurance. If it gets lost or damaged you will get a new one of the same kind, even if it costs much more than the old one is worth.
Call 901-854-9775 to speak with your agent at Brock and Poole Insurance Agency in Collierville, TN to have a review of any existing boat insurance that you already have or to get a quote for a new boat insurance policy.
Riding a motorcycle has its perks and drawbacks. The fun and excitement of cruising down the highway on a motorcycle can easily be extinguished by an unforeseen accident. Safety is key to enjoying your bike for years to come.
Motorcycle insurance from Brock and Poole Insurance Agency in Collierville, TN will cover you and your bike in the event of an accident. The following safety tips can help prevent accidents or minimize the damage they cause.
Take a Motorcycle Safety Course
Whether you drive your bike in the city or on the highway, you face risks from the elements, road conditions, animals and other drivers. A motorcycle safety course can teach you riding skills and techniques that can help you handle these risks in a safe and effective manner. You also get practice riding your bike in a controlled environment.
Inspect Your Bike
Even if it’s new, have your motorcycle inspected before city or highway riding. Check your brakes, engine, mirrors, suspension, and tires. Don’t hit the road until you get a green light from your mechanic.
Wear Safety Gear
The right safety gear can save your life in a serious accident. A protective helmet, gloves, goggles, riding boots and a sturdy jacket are among the basic gear you should buy. Your gear should coincide with your riding lifestyle and habits.
Know Your Routes for Long Distance Travels
Plan road trips carefully to avoid roads that have construction or excessive traffic as these increase your risk of an accident. Stick to posted speed limits on highways, even if there’s no one around you. Take breaks often to avoid fatigue and find a safe place to stop if you hit a patch of bad weather.
To update your motorcycle insurance coverage, contact Brock and Poole Insurance Agency in Collierville, TN.
Renters insurance is something that many people have little knowledge about or experience with when they should. Renters insurance can help you recover from disaster, even if the accident is not your fault but your unit and items are damaged. For those that live in the Collierville, TN area, the agents with Brock and Poole Insurance Agency can help you find the right renters policy for you.
Renters insurance is something that works to protect renters should their rental unit or property become damaged or destroyed. If you do rent, you are not eligible to have a home owner’s policy and are therefore susceptible to having to pay damages if you do not have some sort of policy in place. Without a renter’s policy, you are going to have to foot the bill to replace your items, may have to pay for damages to your landlord, and will have no help when it comes to finding another place to stay.
Renter’s policies work to help make sure you are going to be covered should your rental property become damaged or destroyed along with your personal belongings. With a renters policy you are going to be able to draw on your policy to help pay damage deposits to your landlord and are going to be able to use it to get a place to stay temporarily as well as having the money to replace the items that were either damaged or destroyed. For those that live in the Collierville, TN area, the agents with Brock and Poole Insurance Agency can help you determine if a renters policy is right for you and what type and level of coverage you need to make sure you are fully covered. A renters policy is certainly beneficial, get yours today to make sure you are covered.
As a renter, you may not own your home, but that won’t prevent a person from suing you if there is an unexpected event or an accident. Insurers offer personal umbrella policies for protecting you against claims of liability. Without personal umbrella insurance, your income is at risk for garnishment should a judge find you liable for any injuries or damages.
What is Personal Umbrella Insurance?
A personal umbrella policy from Brock and Poole Insurance Agency provides liability protection that extends limitations of your property or auto insurance policies. As an example, what if you get involved in an automobile accident and found guilty for causing the injury of the other driver suing you for expensive medical costs? If your insurance cannot cover the judgment against you, a portion of your wages or business income could get garnished or your personal assets could get seized to compensate. With umbrella insurance, however, the policy could cover any legal or court expenses, besides the judgment, up to its limit.
Before you can get personal umbrella insurance in Collierville, TN, it is mandatory to have existing renters or auto policy with specific liability limits. A personal umbrella policy can take care of any additional liability expenses, up to its policy limits, when the limits of your property or auto liability policy get exhausted.
Who Should Get Coverage?
People in Collierville, TN who have personal assets which need protection and also individuals who enjoy risky hobbies, such as hunting or boating should consider buying coverage. However, just about anyone can benefit from purchasing umbrella insurance. Particularly, if you are a renter who would find it a challenge to manage with only a partial income, should your wages get garnished to fulfill a claim against you, a personal umbrella policy could be beneficial.
If you need more information or have a question, you’d like an agent to answer, contact Brock and Poole Insurance Agency today.
Collierville, TN residents who are looking to ensure continued protection for their loved ones will often meet with Brock and Poole Insurance Agency to find out more about their life insurance policies. One of the most common questions that are asked in these instances will have to do with the beneficiaries of the life insurance policy.
How Many Beneficiaries Can We Have?
There are two types of beneficiaries that the policyholder must choose. A primary beneficiary and contingent beneficiary are both included in the policy but there are some key differences to discuss. The primary beneficiary receives the life insurance policy’s proceeds when the person who is insured passes away.
As for the contingent beneficiary, they are also known as a secondary beneficiary. If the primary beneficiary is still alive when the policyholder passes away, the contingent beneficiary does not receive any of the proceeds.
What If I Want To Change My Beneficiaries?
There are certain situations that will arise that cause us to change beneficiaries and these situations tend to arise rather quickly. If one of the aforementioned beneficiaries passes away before they have a chance to receive the proceeds, the policyholder must make changes. Fortunately, this is a relatively simple process that will not take too much of your time and effort.
All you will need to do is contact the company that you purchased your life insurance policy from and request the proper forms. Once you have completed this simple step, you are able to choose the new beneficiaries and the process is handled as rapidly as possible…with minimal stress.
To learn more about your life insurance policy and any potential alterations that need to be made, Brock and Poole Insurance Agency is here to help all Collierville, TN residents who are in need of further assistance.
Purchasing homeowner insurance can be overwhelming especially for first-time buyers. This is due to the complexities involved in the process. Before making the final decision and appending your signature, it is important to understand the dos and don’ts of buying a primary home insurance.
Here are a number of tips that can guide you on the whole process.
1. Do a comparison by contacting at least three companies
Before settling down on a particular insurance company, do comparisons on the coverage if at all it has additional insurance, compare the prices and customer reviews? Ensure to shop for value and not the bottom prices. In addition, choose one with good customer service reviews.
2. Get an adequate level of coverage and extra protection for your high-value items
Ensure you get the right amount of coverage depending on your needs. Always avoid paying more than you need. In case you have specific special and high-value items, ensure they are fully covered.
3. Understand all the details in your policy more so the insurance terms
Understanding the basic terms of your homeowner’s policy will save you much. The most common insurance terms include:
- Deductible- An amount you pay before your insurance kicks in
- Liability coverage which covers for bills of an injured person on your property
- Personal property which is any tangible property in your home
- The premium which is the price you pay for insurance
- Replacement costs which cater for the full cost of replacing your home or property
- Actual cash value which caters for the current cash value inclusive of depreciation for your home and personal property
If you are looking around to purchase a homeowners insurance coverage plan, then look no further. At Collierville, TN, Brock and Poole Insurance Agency, we know which coverage plan is right for you. Visit us today for adept advice on all matters home insurance.
Opening a business is an exciting, yet confusing time in your life. You are excited about your new opportunities, but also confused and overwhelmed by the rules, requirements and regulations that must be followed in order to open and run your business. While we can’t help you with everything, here at Brock and Poole Insurance Agency, we can help you obtain commercial insurance in the greater Collierville, TN area. You may find yourself wondering if you need commercial insurance to obtain a business license. Here is more on that topic.
Do You Have to Have Commercial Insurance to Obtain a Business License?
There are different rules for different types of businesses. However, as a general rule of thumb, you are not required to obtain commercial insurance to obtain a business license.
What Else Do You Need Commercial Insurance For?
While the city or county you are opening up your business in may not require you to obtain a commercial insurance policy, some of the people you are looking to do business with may require it. In order to lease out space in a building, most leasing agencies require you to carry a commercial insurance policy. Additionally, many of the people you do contract work with or for may require you to carry a commercial insurance policy to protect themselves in case you get hurt or injured. As such, it is strongly recommended that you obtain a policy.
Are you looking to purchase commercial insurance for your new business in the greater Collierville, TN area? If so, let Brock and Poole Insurance Agency assist you. Contact us today to discuss your needs and let us put together the right policy for you.
If you don’t have a car, then you probably think to yourself that you don’t need to have auto insurance in Collierville, TN. Without a car, you can get non-owner car insurance with Brock and Poole Insurance Agency, so if you ever have to drive a car you will be covered.
You should have this type of policy if you rent cars frequently, or use car sharing services. It’s also helpful if you are borrowing others peoples’ cars. This would cover you if the costs of any damage caused exceeds the owner’s liability limits, so you aren’t on the hook for the remainder. If you are between cars and want to get car insurance later, having this type of insurance can help you save on premiums since going without coverage can make you look risky. If you will be owning a car soon, then get this policy, and once you get a car call your agent and switch to regular coverage. If you live with the people whose cars you are constantly driving, such as your parents, then this policy wouldn’t make sense and you should be listed as a driver on the other policy.
The cost of the policy is less than you would expect. Its price can depend on how often you plan on driving and how old you are. The plans will typically provide liability coverage and some will include medical coverage for yourself. This type of insurance won’t cover collision or comprehensive costs, so repairs on the vehicle won’t be covered. You may also have the option for uninsured motorist coverage, to help if you are in an accident with a driver who doesn’t have insurance.
Contact an agent at Brock and Poole Insurance Agency serving Collierville, TN to discuss your options for non-owner car insurance, and see if this policy is the best fit for your needs.