Kevin Brunson Daily Mountain Trail Runner and NV Insurance Agent.

Insurance: The One Question Everyone Asks “Am I overpaying?” That’s a question that every consumer asks from time to time. Everyone is curious and concerned as to whether he or she is getting a good value for the money, whether it’s for a candy bar, a car or an airline ticket. It’s a good question to ask about insurance, too. After all, Americans spend a lot of money on insurance for homes, autos and businesses. In 2008, American drivers spent $161 billion for personal automobile insurance, reported the A.M. Best Co., an insurance research and ratings firm. This large market for auto insurance is highly competitive. Consumers play a large part in keeping insurance rates competitive by virtue of shopping—whether online, by telephone or on the World Wide Web. More than one of four (about 28 percent) of auto insurance buyers shopped around for car insurance in 2009, reported J.D. Power & Associates in its 2009 national auto insurance study. But consumers aren’t the only ones shopping ...

Concerned About Uninsured Drivers? There Are Ways to Protect Yourself October 19, 2009 Uninsured and Underinsured Motorist Coverage Is Optional In Most U.S. States INSURANCE INFORMATION INSTITUTE New York Press Office: (212) 346-5500; media@iii.org Washington Press Office: (202) 833-1580 NEW YORK, October 19, 2009 — One driver out of every seven in the U.S. is believed to have no auto insurance and that has broad repercussions for the 86 percent of drivers who do, according to the Insurance Information Institute (I.I.I.) “Most people don’t think about the uninsured or underinsured motorist coverage portion of their auto insurance policy until they are the victim of a hit and run accident, or are involved in a crash with a driver who either does not have auto insurance or has very minimal insurance,” said Jeanne M. Salvatore, senior vice president and consumer spokesperson for the I.I.I. Uninsured motorist (UM) coverage will reimburse you, a member of your family, or a designated dri...