Charlottesville Auto Insurance blog - Quotes for Car Insurance in Virginia - Homeowners

Press Release: 4/21/2016:    Charlottesville Allstate agent, Steve Harper, earned the Allstate Premier Agency Designation for 2015. The award recognizes Steve's leadership in the insurance industry and his involvement with the local Charlottesville community. The Premier Agency designation is awarded to Allstate agency owners that achieve outstanding results through an outstanding commitment to accessible, knowledgeable and personal customer experiences. Of the nearly 10,000 Allstate agency owners in the country, 48 percent of agency owners receive the award. Local Charlottesville Allstate agent Steve Harper earned premier status for his exceptional performance and his commitment to putting customers at the center of his work.  Harper's Insurance is an independently owned and operated Allstate insurance agency in Charlottesville, VA. Steve & his agency offer a variety of quality and affordable insurance products, including auto, home, renters, life and umbrella ...

It's commonplace now to be able to get an auto insurance quote and establish a policy in 15 minutes or less. But is that what we should really be doing? Is it sound advise to recommend only dedicating 15 minutes to protecting your assets and family from unfortunate circumstances? As an insurance professional, I have the opportunity to review many of my clients previous coverage, or proposals encouraging them to switch. Often it seems like even the "apples to apples" comparisons aren't quite what they seem. It's very common that I uncover other things like accident forgiveness, guaranteed renewal, vanishing deductibles, that aren't quite represented fairly. Trusted advisors are few and far between. Replaced by automated systems, telemarketers, and strategic advertising. Some of the uneven comparisons I'm sure happen unintentionally, but there is also something to be said for a knowledgeable professional that can look for these things & present your...

Auto insurance liability is something that almost everyone has, but yet so few truly understand. Those who have been involved in a serious car accident resulting in injury have often learned about it the hard way. In the state of Virginia- bodily injury liability requirements are $25,000 per person and $50,000 per accident. To legally operate a motor vehicle registered in VA- that is the required coverage you are suppose to carry. Often potential customers ask us to just "give me a quote on the minimum that I need" . My questions is why? Often it is a matter of a few more dollars a month to obtain the higher coverage limits. If you choose to under-insure yourself, ask yourself this: "What would happen if either by mechanical failure (tires,brakes etc.) or by operator error I am at fault for someone's injuries involving my car?" "Is it possible that they might sue me for more than $25,000 in medical bills and pain & suffering?" likely the a...

I remember the day I was legally able to receive the rights to my driver's license at the DMV.  It was a landmark that allowed some freedom, but also opened brand new doors to a lot of responsibility for myself and parents. I grew up in an insurance household with an experienced Allstate agent as a father. As a teen I can remember him being nervous about me driving in the beginning without any supervision. Now as an adult and insurance agent myself, I can relate to him and understand why it was such a “big deal” at the time. Not only was I taking responsibility for myself and the vehicle every time I ventured down the road, but at the same time I was sharing risk with my mother & father. If I was to cause an accident or have any type of mishap the blame did not only fall on my shoulders. The burden of responsibility was also carried by my folks because I was driving their vehicle. If someone was to be injured it could have put their assets, and hard earned livelihood...

Visit our Allstate agency website to get a free auto or home insurance comparison. Local Allstate office in Charlottesville Virginia.

Not sure if you have the insurance coverage you need? You’re not alone. But, as an Allstate Agent, I can help you choose affordable policies and coverage’s that best fit your needs—helping you to select a custom-fit insurance program that’s just as affordable as one-size-fits-all. Allstate offers a range of policies and coverage levels that can help you protect yourself and your family right now. I can help you make sure you take into account your income, assets, and responsibilities, as well as your plans for the future—giving you confidence to help you decide what policies and coverage levels best fit your needs. Whatever your insurance questions are, please remember your local Allstate Agent can get you answers.

Why 20-30 year old's NEED life insurance:  written by Daniel Harper : 4/30/12 I took a lot of time when creating this blog article. (My first by the way).  I have learned a lot in my journey towards bettering my knowledge of insurance & the products that I deliver & work with on a daily basis. Let’s stop right here and just get it out there… Insurance is NOT the most fun topic around the dinner table. A lot of insurance can be considered to be a lot like the boogeyman . I talk daily about the “what if’s” and all of the different possibilities that COULD happen to us. In most cases, we will hopefully never experience any of the purposed situations, but what if… it DID happen? I wish I could say that I have never experienced a client calling me back and letting me know about an unfortunate situation while being an Allstate agent. The truth is , it does happen. I know first hand the financial hardship that it can cause. (Small example:  I hit a deer last...