3 Tips for Buying Your First Auto Insurance Policy in Bradley, WV

Auto insurance protects you, the driver, from liability should you cause an accident. It also protects you if the other driver is at fault and uninsured or underinsured. There are many reasons to get auto insurance when you buy a new car, especially the fact that it’s mandatory to have before registering your vehicle. If this is your first time purchasing an auto insurance policy and you’re not sure where to start, read on to learn about these tips brought to you by Redden Insurance Agency. 

1. Work with a Reputable Agent

Buying auto insurance can feel like a hassle unless you use a reputable insurance agent to help you. This takes the stress out of buying your first policy in Bradley, WV. We understand that the unknown can be intimidating, but once you are working with an agent by your side, the process is stress-free and even easy.

2. Compare Several Quotes

Once you’ve selected a reputable insurance agent to work with, you can start comparing several quotes. Your agent will ask you a few questions to determine which quotes to look at. Together, you will go over three or more quotes to find the best coverage for a price within your budget.

3. Bundle Your Policies

Do you have any other insurance policies, such as life or home insurance? If so, you can bundle your policies under one insurance carrier and save on your premiums. Talk to your insurance agent about getting this done.

To learn more about purchasing your first auto insurance policy, contact the team at Redden Insurance Agency, serving the Bradley, WV area. Our reputable agents are available right now to take your call. 

3 Winter Maintenance Tips for Your Bradley, WV Home

As the cold months approach in Bradley, WV, it’s time to winterize your home. This has many benefits, including lowering your energy costs. Read on to learn about three easy ways you can start winterizing your home today, brought to you by Redden Insurance Agency. 

1. Clean the Gutters

You’ll want all the dirt and debris out of your gutters to prevent problems this winter season. When debris is stuck in your gutters, this results in ice dams that prevent water from flowing down the gutters. Pooled up water and sopping debris will not let your gutters do their job. 

2. Seal Doors and Windows

Warm air escapes through the little cracks along with your windows and doors. This winter, you’ll want to take the time to seal them off, keeping the warm air where it’s supposed to be – in the house. This will help you save on your heating costs and reduce your carbon footprint. You can pick up a window and door sealer at your local hardware store.

3. Service Your Furnace

It’s a good idea to get your furnace serviced before it gets really cold. A trained technician will come to your home in Bradley WV to inspect your furnace and recommend any services, repairs, or even a replacement. Typically, a furnace should be replaced about every 10 to 15 years, depending on the model.

To truly protect your home, probably the most valuable asset in your life, you need home insurance. The reputable team at Redden Insurance Agency is here to help. Our agents are standing by ready to take your call and get you the home insurance policy you need at a price within your budget. To learn more, call us today. 

Exploring The Benefits of Aviation Insurance

Redden Insurance Agency assists the Bradley, WV community, as well as the surrounding areas through offering multiple types of insurance policies. We strive to make sure that our clients find coverage that fits their lifestyle. As an independent agency, we have established relationships with several insurance companies in the region.

The Benefits Of Aviation Insurance

Redden Insurance Agency supports the role that aircraft fill in society. Whether you are a professional pilot or you enjoy flying as a hobby, it is important that you have protection. Aviation insurance covers you while you are operating an aircraft. You’ll be protected if your aircraft collides with another aircraft or building. The policy will protect you in the event that you are held liable for the collision. You can also add passenger liability coverage so that you will be covered in the event that one of the passengers in your aircraft is seriously injured.

The policy also protects your aircraft during instances where it’s on the ground and you aren’t operating it. Ground risk coverage protects your aircraft in the event that it is stolen or vandalized. The policy also covers your aircraft in the event that it is damaged by a natural disaster such as a fire or tornado. Consider having your aircraft inspected so that you can have a clear assessment of the aircraft’s value. You may also amend your policy to protect your aircraft while it is taxiing. Be aware that your policy may change based on the type of aircraft that you are operating. The type of coverage that you need may differ based on if you are operating a single-engine aircraft, jet, or a hybrid.

Redden Insurance Agency Will Help You Find Coverage

If you are a pilot in the Bradley, WV area and you’d like to learn more information about aviation insurance, visit our website today!

What is the benefit of umbrella insurance?

There are many forms of insurance that the typical person will need to get one important form of insurance to consider getting is umbrella insurance. This is a unique form of insurance that will provide you with personal liability protection. For those that are in the Bradley, WV area, it can be a great addition to any personal insurance plan. There are several benefits that come when you get an umbrella insurance policy.

Coverage Gives Peace of Mind

A key advantage that comes with getting an umbrella insurance policy is that you can receive very valuable peace of mind. There is always going to be a risk that you could be at fault in an accident that could cause significant damages. While these could be covered by insurance, there is a chance that they will not be covered by a current plan that you have. With umbrella coverage, you will greatly expand your insurance plan coverage, which will give you peace of mind.

Covers More Significant Accidents

You should also get a commercial insurance policy because it will give you coverage on top of your current policies. If you are ever at fault in an auto accident, you should receive coverage from your auto insurance policy. However, a very bad accident could come with damages that exceed this. If this occurs, you will want to have an umbrella policy as it will give you coverage on top of the base policies.

When you are looking for an insurance plan in the Bradley, WV area, you should speak with the Redden Insurance Agency. The team at the Redden Insurance Agency can help you to choose an umbrella policy. They are able to do this by assessing your needs and helping you pick the right policy for your situation. 

How can trucking insurance protect me?

The trucking and transportation industry continues to be a very necessary and valuable part of our overall economy. Due to this, there continues to be plenty of opportunities for people that work in this industry to succeed. For those that are in the trucking industry in the Bradley, WV area, it is very important to make sure that you are properly insured. A great way to do this is by getting a trucking insurance policy as it can protect you several ways. 

Insurance Can Protect Assets

One of the advantages of trucking insurance is that it can protect your assets. Those that are in the trucking industry will own a variety of assets including the trucks, equipment, and other assets needed to operate. Further, you will be holding and transporting a car. When you get a trucking insurance policy, you can receive coverage to repair or replace your owned assets and to cover any cargo that you are transporting.

Liability Coverage

Those that are in the industry will also need to get trucking insurance as it can provide valuable liability insurance. Anyone that is operating in this industry will be taking on liability risk during the trucking and shipping process. Due to this, it is important that you get insurance protection. When you get trucking insurance, it will include liability insurance that can protect you and mitigate against this risk.

Ultimately, protecting your business with a trucking insurance policy is a very good idea and investment. As you are looking for a new policy, you should reach out to the team at the Redden Insurance Agency. The insurance team at the Redden Insurance Agency can help those all over the Bradley, WV area determine their risks and then help to build a policy that mitigates these. 

Three common life insurance mistakes to avoid

Life insurance is an essential product for any consumer with dependents who need financial support. Life insurance provides financial support in the event of the untimely death of the policyholder. At Redden Insurance Agency, we provide life insurance in Bradley, WV.

If you’re on the market for life insurance, it’s important for you to avoid the following three common mistakes. 

Having only group life insurance from one’s employer

A lot of jobs include life insurance coverage as a benefit. However, employer-sponsored group life insurance does not typically offer much more coverage than twice the policy holder’s annual salary.

You should invest in your own insurance coverage in addition to your employer-sponsored plan to make sure your dependents will be financially stable if you pass away. 

Not putting enough time into researching policy options

Life insurance is an important product that could have a big impact on the financial future of your family. That’s why it’s important to carefully research the various policy options available to you. Calculate the amount of coverage you need for your dependents, and make sure you’ll be able to afford the monthly premiums. 

Designating a minor as a beneficiary

It’s true that people most often purchase life insurance for the support of their children. However, listing a minor as a beneficiary on a policy can create problems down the road. Money won’t be paid out right away to a minor. Instead, a court will have to designate a guardian to receive the funds.

This can take time and lead to financial complications if the policyholder passes away. That’s why it’s best to determine a guardian- such as a spouse- beforehand and list them as beneficiary. 

Are you interested in learning more about your life insurance options in Bradley, WV? Contact us at Redden Insurance Agency and we’ll assist you with your questions and inquiries. 

Having health insurance means you are more likely to see the doctor

One benefit of having health insurance is that people with it are more likely to seek out healthcare services than people who don’t have it. The Redden Insurance Agency serving Bradley, WV explains why.

Early discovery of the disease, whether it is a heart ailment or cancer, makes it more likely that it can be effectively treated. If you don’t have health insurance, you may be more likely to resist paying the out-of-pocket expense of going to the doctor until it is too late. Also, you are less likely to have annual checkups and scheduled tests that can catch diseases even before symptoms manifest.

People without insurance, therefore, are more likely to get seriously sick and thus more likely to die or become permanently disabled. Regular doctor visits also provide access to the healthcare advice that only a licensed MD can provide. A relationship with a primary care physician will provide the doctor with your medical records and thus a better understanding of your healthcare needs. If you lack insurance and thus see a doctor only when you are seriously sick, a lot of time will be spent taking down your medical history and other information that a regular primary physician will have at his or her fingertips.

A primary care physician will likely have relationships with specialists in an insurance network that will be of great help should you need their services. A healthcare network enables sharing medical data with ease.

If you have any more questions about the benefits of carrying health insurance, feel free to contact the Redden Insurance Agency serving Bradley, WV.

An Introduction to Auto Insurance

Every state in the US requires some form of auto insurance coverage. Redden Insurance Agency of Bradley WV wants West Virginia drivers to understand the minimum coverage requirements and how that modest coverage may not suit your needs.

The Auto Insurance Requirements

In WV, you must carry a policy that provides liability coverage, bodily injury coverage and uninsured motorist coverage. Here are the required amounts of coverage.

  • liability for bodily injury in the amount of $25,000 a person with a per accident cap of $50,000,
  • liability for property damage per accident in the amount of $25,000,
  • uninsured motorist coverage for bodily injury of up to $100,000 a person with a per accident cap of $300,000,
  • uninsured motorist coverage for property damage with a per accident cap of $50,000.

How They Check for Insurance

Any law enforcement officer in WV can pull your car over to conduct an insurance check as long as they have caused. This can be as simple as informing you that you have a broken taillight. You must provide proof of your insurance which the officer will verify electronically. Without proper insurance, you will be subject to a suspension of your driver’s license and/or a fine.

Other Insurance Coverage

You are not limited to only the bodily injury and property damage liability plus uninsured motorist protection required by state law. You can also purchase the following types of insurance coverage:

  • Personal Injury Protection to cover your own medical costs if you sustain accident injuries.
  • Collision to pay for repairs to your vehicle or vehicle replacement if totaled.
  • Comprehensive to repair or replace your vehicle if it gets damaged by severe weather, stolen or vandalized.

Redden Insurance Agency of Bradley WV wants you to have the coverage you need. Call us today to find the auto insurance that protects your vehicle and your finances.

Protect your business with comprehensive commercial insurance

Redden Insurance Agency is a valuable resource for business owners in the greater Bradley WV area. Our team has the knowledge and understanding necessary to help local business owners determine the right commercial policies for their companies. If you are a business owner in our area, please feel free to call upon us for assistance with all of your insurance needs. We are here to help!

Ways that Comprehensive Commercial Insurance Can Protect Your Business

We can all agree that commercial insurance is absolutely essential when owning a business. However, it’s also important to realize that not all policies are created equally. Business owners may find that their protection needs are cyclical, or change from year to year, and they may not always make the necessary changes. Here are a few points to consider as you review your current commercial policy:

  • Protect your inventory — as levels fluctuate throughout the year, be sure you have coverage at the peak of your inventory levels.
  • Plant and equipment values often change as your company grows — many companies invest in specialized equipment as its business expands, be sure to account for the increase in coverage needs as new equipment is purchased.
  • Commercial vehicles should also be considered in insurance coverage decisions — a commercial fleet can have its own policy, or sometimes be included in a comprehensive commercial policy. It makes sense to proactively look into the right approach to protect your vehicles.

Want to learn more about the effective comprehensive commercial insurance options that are available to business owners in the greater Bradley WV area? Call or stop by the offices of Redden Insurance Agency today for a consultation. We can help you determine if your current commercial policy meets all of your company’s insurance needs.

Health Insurance Types and Requirements

Since the passage of the Health Insurance Portability Act, an increased number of individuals have obtained health insurance. Those who are self-employed typically obtain their own insurance.

Health Insurance Coverage Types

Redden Insurance Agency of Bradley WV wants to help you understand the options available to you for health insurance coverage. Not all insurance policies cover the same providers or treatments. You need to consider your family’s health history as well as your own when choosing your level of coverage. Four main types of insurance coverage exist.

  • Exclusive Provider Organization (EPO): This type of plan, referred to as managed care, covers all medical services provided by in-plan doctors and hospitals. The only exception is for emergency treatment.
  • Health Maintenance Organization (HMO): This type of plan provides what people typically think of as traditional health insurance. It pays for medical services provided by HMO physicians within its eligible service area. These may include a prevention and wellness program.
  • Point of Service (POS): This plan type reduces cost of treatment when you use in-plan network doctors and hospitals. To see a specialist, you must obtain a referral.
  • Preferred Provider Organization (PPO): This plan type also reduces the cost of treatment when you use in-plan network doctors and hospitals. You can choose to use outside of network doctors and hospitals, but it will cost more. You can see a specialist without a referral.

Call Redden Today

Learn more about your health insurance options, by talking to Redden Insurance Agency of Bradley WV. Let our insurance representatives help you choose the type of health insurance plan that best fits your budget and health concerns if any.