Farmers Insurance - Matt Metzger

The Basic Types of Coverage Protecting your  assets  and your health are two of the primary benefits of car insurance. Getting the proper coverage is the first step in the process. These are the basic types of coverage with which most people are familiar: Liability :  This coverage pays for third-party personal injury and death-related claims, as well as any damage to another person's property that occurs as a result of your automobile accident. Liability coverage is required in all but a few states. Collision :  This coverage pays to repair your car after an accident. It is required if you have a loan against your vehicle because the car isn't really yours — it belongs to the bank, which wants to avoid getting stuck with a wrecked car. Comprehensive :  This coverage pays for damage incurred as a result of theft, vandalism, fire, water, etc. If you paid cash for your car or paid off your car loan, you may not need collision or comprehensive coverage, particul

It’s a simple reality that anyone who comes into contact with you or your employees while you’re conducting business can file a claim or lawsuit against you for any number of reasons — from physical injuries to wrongful termination.  That’s why Farmers® offers small business liability insurance, which can help with challenging situations and the associated costs of legal defense and legal damages, up to policy limits selected for covered claims. Because I am  also a small business owner, I have an understanding of some challenges faced by small businesses like yours. I can offer insights and discuss insurance options as you choose customizable coverage options for your company.  Give me a call to save money on your  Business Insurance .  Some of our Commercial insurance coverages include  Business Owners Policy (BOP) ,  Commercial Auto , Commercial Property , Contractors , and  General Liability .

Today, every state requires drivers to carry insurance, and what you pay for insurance over the life of your vehicle can be greater than the cost the car itself. As you probably know, insurance companies base their rates on many factors, including your age, driving record,  marital status  and the type of car you own. What may come as a surprise, though, is that where you live also has a significant effect on your insurance premium. The reason is simple: Your place of residence influences your likelihood of having an accident, as well as how much the mishap might cost. Higher claims translate into higher premiums. Insurance companies are likely to ask a series of questions about your particular area to figure out how big a potential risk you'll be: How densely populated is it?  City drivers almost always pay more than their country cousins. Put simply: More cars mean more fender benders. Rates in Vermont, for example, are among the lowest in the United States. Plenty of