What You Need to Know About Auto Insurance

Young woman making phone call after accident. Wade Insurance AgencyYour car or truck is an investment that needs to be protected.

In the event of an accident or loss, your auto insurance policy is meant to cover everything from damage to your vehicle and/or property, as well as insure the wellbeing of you and any passengers involved.

An auto policy covers your private passenger automobiles, pickups, vans, SUVs and more. Coverage includes but is not limited to:

• Liability
Expenses from damaging a vehicle to injuring a person in an accident.
• Personal injury
Costs from medical bills and lost wages as a result of an accident.
• Collision
Damage to your car after an accident involving another vehicle or object
• Towing and labor
Reimbursement for a tow and the labor costs to get your car up and running again.
• Medical payments
Medical costs related to an accident regardless of who is at fault.
• Comprehensive
Damage to your car from vandalism, weather and accidents involving animals.
• Uninsured/underinsured motorist
Protects you and your vehicle from uninsured drivers, hit-and-run drivers and those who do not have enough auto insurance to cover the costs of an accident.

Ask Us about Discounts on Your Premium

A number of auto insurance discounts that can make a real difference in your  premium may be available. Ask one of our independent insurance agents about discounts for:

  • Anti-theft devices
  • Bundling with your other insurance policies
  • Driver training
  • Electronic fund transfer (EFT)
  • Empty nester
  • Excellent driving record
  • Good student
  • Long-time customer
  • Married professional

Learn More About Auto Insurance >>

Home Inventory — A Get Started Guide

A home inventory list can save you time (and stress!) if you ever have to file a claim, and apps like Know Your Stuff from the Insurance Information Institute make it really easy!

Keep track of your belongings, as well as their value, and easily share that information with your agent to speed up your claims process.

Begin with photos of the outside of your home. Take pictures from all sides and be sure to include any exterior structures—garage, toolshed, swing set, gazebo, etc. The goal is to help you list all the items in your home in the event that you need to file a claim. Begin by taking photos of every room. Don’t forget to include photos of closets and the interior of your garage or off-site storage unit if you have one. Once you’ve set up your rooms, you’ll be ready to add your belongings along with details about what they’re worth.

Read the Get Started Guide >>

Why You Can Trust Neely and Wade

We’re your neighbors.

We’re independent agents, which means we can shop for the best insurance coverage at the best price that meets your needs.

That’s why we’re Trusted Choice.

How 9 Million Homeowners Could Have Prevented Property Crimes

Photo with tips about how to prevent-property-crimes

Are you unknowingly enticing potential thieves to damage your property or break into your home?

While you want your home to be a welcoming environment for family and friends, you might be surprised how common habits might be inviting to criminals, too.

There were more than nine million property crimes in the United States in 2010, according to the FBI. This statistic includes vandalism, arson, larceny and theft.

Fortunately, there are steps you can take to reduce your risk for burglary and property damage with these easy-to-follow tips, from our partners at Trusted Choice.

Make It a Point to Keep Everything Locked Up

While you probably lock your vehicle and the main points of entry into your home, you may overlook locking your fence gates, garage or garden shed from time to time.

Police strongly encourages homeowners and renters to lock all doors, windows, and any point of entry to their property to deter theft:

  • An unlocked gate allows a thief access to your backyard, away from the view of your neighbors. Once inside your yard, a thief has more freedom to peer through windows and patio doors.
  • Access to garages and garden sheds also gives a thief more tools to use to break into your home. For example, a ladder in your back yard could make it much easier for a criminal to enter your home from the second story—where windows are more likely to be unlocked.
  • Tools such as drills, hammers, and crowbars are also kept in many sheds and garages and can be used to break windows and open doors.
  • Even if a thief is unable to get into your home, your back yard likely has valuable items such as a barbeque grill or bicycle.

Get the Full List of Crime Prevention Tips >

Buy a New Home? Share Your Photo for Chance at $500 Gift Card!

About-Us-Family-Home-Ins-Wade-webTwitter users who have purchased a new home between September 1, 2014 and May 31, 2015 can “tweet” a photo of themselves, or family and friends, to the official Trusted Choice Twitter account (@Trusted_Choice) to be eligible to win a $500 Visa gift card.

Trusted Choice will notify the winner via private message on Twitter for confirmation and mailing information.

Our independent insurance agents partner with Trusted Choice and we’re thrilled to share this social media contest with you. Hey new homeowners, start tweeting!

Official Contest Rules >