View All Articles

Articles Showing articles related to: Seth Zaremba, Zinc Insurance

Premium vs. Commission: It’s no contest

How exactly do insurance agents make money? The answer is simple: commission. So is commission part of the price you pay? A number of factors determine cost, but your agent’s commission isn’t one of them. Keep in mind, when you shop for a lower rate, you’ll get a different quality coverage. Pay attention to how a less...

Read More

Spoiler alert on insurance claims

Many people are afraid to use their insurance because they think their rates will skyrocket. Others lean on their policy often, like a crutch. What both groups of people have in common is they’re probably not leaning on their insurance agent to help them decide if they should submit a claim—or not. Because we’re on the...

Read More

What's your insurance limit?

Do you know what your insurance limit is? That’s okay, most people don’t. An insurance limit is the amount of money an insurance company will pay out on your auto insurance if you get into an accident. It’s their limit of liability. When people shop for auto insurance, what they’re really buying is a limit. Typically, the...

Read More

The lure of a low deductible is tempting, but should you bite?

A quick note on low or vanishing deductibles…don’t bite. Many insurance companies market low deductibles as a benefit to you. The truth is, the insurance companies benefit.  With a low deductible, you pay a higher rate for something that may never happen. I’d like to suggest you instead have a deductible strategy, one that benefits you...

Read More

Is Big Brother at the wheel?

When some people hear the word telematics, it immediately brings to mind the idea that Big Brother is watching. Others have no idea what telematics is—or how it can help them save money. By installing a device on your vehicle, or downloading an app, you allow your insurance company access to your driving habits. Things like speed, braking...

Read More