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4 months ago · by · 0 comments

School is out, and and pools are open for the summer. Be sure to take these extra steps to make sure your kids are safe in your backyard.

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1 year ago · by · 0 comments

Gap Insurance

Do You Need Gap Insurance For Your New Car?

If you have just purchased a new car you have probably already obtained car insurance, but is your current coverage enough? New cars are a considerable financial investment, and in most cases your car insurance will not cover the full replacement cost of your vehicle should you be involved in an auto accident. Gap Insurance can make the difference in ensuring that your car is protected and will be replaced if involved in an accident, but is it right for you? Here are some facts about Gap Insurance and whether it is an option that you should be considering.

What Is Gap Insurance?

Gap Insurance is auto insurance that covers the costs that are not covered by your regular auto insurance policy; namely, it covers the difference between the market value of your car and the outstanding loan amount on your new vehicle. The moment you drive your car off the lot it loses value, and if you are concerned that you are not able to cover the difference between the amount your insurance company will give you and the amount you owe, Gap Insurance may be right for you.

When Should I Get Gap Insurance?

Gap Insurance is always a good idea if you purchase a luxury or very costly vehicle. Most cars depreciate in value up to 20% the moment you drive them, so the more your car is worth and the more you owe on your vehicle, the more sense it makes to get Gap Insurance.

Finding The Gap Insurance Policy That Is Right For You

Like all insurance policies, not all Gap Insurance is created equal. Before purchasing a Gap policy it is important to know what to look for and how it compares to your existing policy. Most car dealerships offer Gap Insurance as part of their up-sell package, but in most cases this policy will cost you considerably more than if you were to get it from an insurance company. Also, be sure that your existing policy does not already offer Gap Insurance. Another important consideration is making sure that your Gap coverage covers not only the difference between your car’s value and loan amount in the case of an accident, but covers theft and damages due to vandalism and natural disaster as well.

For most car owners, Gap Insurance is not necessary. But if you own an expensive car or are concerned about paying an outstanding loan amount should the worst happen, Gap Insurance is probably right for you.


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1 year ago · by · 0 comments

Common Auto Insurance Discounts and How to Qualify

Common Auto Insurance Discounts and How to Qualify


You probably hear a lot about discounts on auto insurance; television commercials for various companies strongly advertise all the discounts they have available.  Most insurance companies do have many ways you can qualify for better rates, and some of them are better known than others.  Although you won’t qualify for all of the discounts, you can make certain you are getting all the appropriate discounts on your premium.


Multi-policy Discounts


Insurance companies want to get as much of your business as they possibly can, so they offer good discounts when you add more policies to your account.  Multi-policy discounts can include options such as multi-car, auto/home, auto/life, and many other combinations of policies.  Some companies even offer a discount if they insure your boat or RV.  Qualifying for these discounts is easy; simply start a second policy with your insurance company, and the discount should apply.


Advanced quote Discount


Meaning just getting your quote a week ahead of time.

Not many people know this, but some carriers will give you a meaningful discount for buying your policy more than a week before your coverage kicks in.



Good Driver And Longevity Discounts


These discounts are easy to qualify for as well.  If you have a good driving record, you should be getting the discount automatically.  The same usually goes for a longevity discount.  This is a discount that applies to your policies after you have been with a company for a certain period of time.  Often the longer you continue to renew the policy, the larger the discount will become.  The key to longevity discounts is to stay with one company long enough.  Skipping from company to company for lower rates may not save you as much in the end as staying in one place.


Discounts For Younger Drivers


There is no question that adding a young driver to your policy can be an expensive proposition.  If you have a teenager new to driving, inquire about a good student discount that can alleviate some of the cost.  You will likely be required to provide a transcript proving your child has the required grade point average to qualify.  Some companies also offer a new driver training course, and your young driver can qualify for a discount just by taking the course.  It can usually be done right in your agent’s office.  Not only will you save money, but you will help put safer young drivers on the road.


These are just a few of the discounts you may qualify for with your insurance company.  Each company is different, so be sure to ask so that you don’t miss out on potentially big savings on your premiums.


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1 year ago · by · 0 comments

Auto Insurance Agent

Do You Need An Auto Insurance Agent?


Many insurance companies today don’t sell their policies through agents, but directly from the company either online or over the phone.  It might seem that having an agent to help you purchase auto insurance is a thing of the past, but don’t discount the insurance agent just yet.  There are some very good reasons to consider using an insurance agent for your auto policy purchase.


Agents Know Their Products


Many of the customer service representatives who handle the phones at large insurance companies know the basics of auto insurance policies, enough to help you select and purchase one.  But insurance agents, especially those who have been around for a while, understand a lot more about coverage and policy limits.  They can share with you a wealth of knowledge that will ensure you not only get the right policy, but the best rate and a good understanding of what you are paying for.  An agent will help you select the best possible coverage limits to fit your needs.


Agents Are On Your Side


If the day comes when you need to file a claim, it’s always good to have someone who is truly on your side.  Especially in a complicated claim, your agent can walk you through the process and be there to answer all your questions.  An agent is also there to step in when there are disagreements with the adjuster or other involved parties at the insurance company.  Because your agent knows all about the policy and how the claims process works, they will better be able to negotiate and discuss claims issues with your adjuster.


Agents Keep Your Policy Accurate


A good agent will take the time to review your policy regularly and make sure that everything is accurate and you are still carrying the coverage you need.  An agent knows when changes in your life might affect your insurance coverage needs, such as a marriage or a child reaching driving age.  Large insurance companies simply can’t provide that level of personal attention.


Are Agents More Expensive?


There is a general view that an insurance policy purchased through an agent will cost more than one purchased directly.  That isn’t necessarily true.  The best rate for you may well be one from an agency, so don’t discount quotes from agents when you are shopping for car insurance.  You might get the best rate along with the service an agent can provide.


You might not feel that you need an agent for your auto insurance, but there are certainly some very good reasons to take the time to meet with a few and see if it turns out to be right for you.


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2 years ago · by · 0 comments

US Independent Insurancy Agency Site Launched

December 28, 2015 – Charlottesville, Virginia. Today US Independent Insurance Agency launched our official website. We are here to serve you finding the best insurance protection to fit your personal needs and budget. We will help you decide how much insurance is right for you and your family and we will make sure you receive all possible discounts and get the best possible price without putting you and your family at risk.

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Company informations

USI Insurance Agency
Pratap Rai

4750 Mechunk Road
Keswick, VA 22947

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(+1) 434 249 7978