Auto Insurance premiums may be higher for those living in the city than those of people who live in the suburbs or rural areas, because statistically, you are more likely to have an accident in city traffic. But, that's only one of the factors that can influence your rates.

In some areas, your age, sex, and marital status are important factors. Drivers under the age of 25 are involved in more than one-third of all auto accidents and traffic fatalities. Young females have fewer accidents than young males. And married couples have fewer losses than single people. The way insurance companies price insurance reflects some of these realities.

Additionally, there is also "vehicle use". A car used for personal use  will generally cost less to insure because it is less likely to be involved in an accident than a car driven to work and back.

Expensive, high-end cars usually cost more to repair than economy cars. Certain models are more likely to be stolen, and some models are involved in more accidents and/or more expensive accidents than other models. It is necessary to take all of this into consideration when pricing insurance.

Your driving record also plays an critical role in the cost of auto insurance. A history of "at fault" accidents and moving traffic violations, will result in significantly higher premiums because statistically, you're more likely to have future accidents.

Contact us for more information on how best to insure your automobile or to lower your rates. Meany001@frontiernet.net 

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The major motivation to buy homeowners insurance is because it's a necessary element in the process of purchasing and keeping a mortgage. However, homeowners insurance is much more than a requirement: it's peace of mind, security and protection for your property and possessions.

Homeowners insurance is basically designed to bring your home and possessions back to the same condition they were in before a loss occurred.

What is necessary to consider when shopping for home insurance is proper coverage in the event you are in the unfortunate position of having to replace your home.  By this, we do not mean your home's market value, which may rise and fall, but about the costs necessary to completely replace your home in today's market. Most homeowners would have to admit that they do not have enough coverage for this situation.

Dickerson & Meany will be happy to assist you in assessing your homeowner's insurance as well as Condo, Renter's and other dwelling insurance. Click HERE to go to the Travelers Estimator page. The intent of the Estimator is to give you a general assessment of the cost to replace specific types of construction and to show you if you have enough protection to replace the dwelling structures on your property.  

We are committed to providing the best possible service whenever it is needed.  Some of the many types of coverage available are: 

• Comprehensive General Liability

• Commercial Automobile

• Umbrella

• Employment Practices Liability

• Energy Equipment Liability

• Inland Marine

• Computer Coverage

.  Click HERE to browse a selection of product and service offered through Travelers. Or go to our LINKS page to see a selection of the companies represented by Dickerson & Meany.

Here are other major factors to consider:

• The kind of lifestyle you want to provide for your family.
  
• Your non-working spouse, who wouldn’t have an income if you died.
  
• Your working spouse, who would "retire" to raise your children if you died.
  
• Other sources of household income (such as a second paycheck).
  
• Any debts that you want paid off (such as a mortgage, car loan or credit card).
  
• Your family’s college expenses.
  
• Any special needs, such as a handicapped child or a child who will never be self-supporting.
  
• Your parents, who may eventually become financially dependent on you.

Click HERE to view the different types of Life Insurance Available through Travelers. REMEMBER: IN ORDER TO RETURN TO THE DICKERSON & MEANY WEB PAGE USE YOUR BROWSER'S "BACK" BUTTON ON THE NAVIGATION BAR.