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ACF Insurance Services Inc Blog

View the latest blog posts from ACF Insurance Services Inc.

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An insurance lapse occurs when an auto insurance policy is canceled and an individual has a period of time without insurance coverage. It is important to keep your insurance policy paid and active because if an accident occurs while a policy is canceled, insurance companies can deny claims. READ MORE >>

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There are many unique factors that can affect your auto insurance rates. The most obvious factor that affects your rate is your driving record. Individuals who have points on their license from accidents or traffic violations will have higher rates than those who do not. READ MORE >>

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To best determine which insurance coverages are right for you, it is important to understand what protections they offer. Collision coverage covers the cost of damage to your personal vehicle in the event of an accident. Collision coverage is important for individuals with newer vehicles that hold a high value. READ MORE >>

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Renters insurance protects you and your belongings in case of a natural disaster or other accident, including liability. What some people don’t realize is that the liability side of your renters insurance policy can also cover pets.   READ MORE >>

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While getting your driver’s license can be a fun, new experience, there are many possible dangers associated with it. Here are some tips that new drivers should consider to avoid accidents and tickets. The most dangerous and costly mistake that a new driver could make is driving while under the influence. READ MORE >>

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Hurricanes and tropical storms produce conditions that can be damaging to homes and vehicles. In times where property damage is imminent, insurance companies may put a moratorium in place. When a moratorium is in place, agents may be unable to write certain policies or update certain coverages. READ MORE >>

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When calculating your car insurance premiums, one of the first things an insurance agent reviews is your driving record. Drivers with a history of accidents of claims are considered to have a “bad driving record” and generally pay more for car insurance premiums. READ MORE >>

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With fall quickly approaching, some may be wondering what steps they can take to protect themselves and their car during the colder months. Inclement weather can create situations that make accidents far more likely. In order to prevent accidents, it is recommended that you consider investing in new tires. READ MORE >>

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Many people are surprised to discover that moving can impact your auto insurance premium. In North Carolina, changing your garaging zip code can cause your insurance premium to increase or decrease. Whether your premium will increase or decrease depends on many different factors. READ MORE >>

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Owning a home is an expensive venture, and that doesn't stop when it comes to homeowners insurance. There are many factors that can influence the cost of your home insurance rates beyond yearly increases. The average cost of home insurance is around $2,305 a year. This cost can be influenced by: READ MORE >>

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