by John Page | Apr 18, 2023 | Insurance Tips & Tricks
Insurance plays a crucial role in protecting your assets and financial well-being. However, a common mistake made by many when shopping for insurance is focusing solely on price. This approach can lead to inadequate coverage and costly consequences.
The True Cost of Inadequate Coverage
Low-priced policies may seem attractive initially, but they often come with insufficient coverage. This means that when you file a claim, you may have to pay more out-of-pocket costs than expected. For example, a homeowner’s policy with a low coverage limit may not fully cover the cost of rebuilding your home after a fire, leaving you responsible for the difference.
Understanding Policy Details
It’s essential to carefully review and understand your policy’s terms, conditions, and exclusions. Insurance policies can be complex, but working with an insurance professional, like the experts at Page Insurance, can help you navigate the intricacies of policy language and ensure that you are adequately protected.
The Role of Customer Service and Claim Support
Low-cost policies may be associated with poor customer service and claim handling. In times of crisis, having a reliable insurance company that will be there when you need them is invaluable. Choosing Page Insurance guarantees a team that genuinely cares about your well-being and will provide excellent customer service and claim support.
Customized Insurance Solutions
Focusing on price alone may overlook the need for tailored coverage that meets your individual needs and circumstances. Page Insurance offers personalized solutions that consider your unique requirements and risks, ensuring that you have the right coverage in place.
Price vs. Value: Striking the Right Balance
It’s essential to balance the price of insurance with the quality of coverage and service. To identify the best value in insurance, consider factors such as financial strength, reputation, and customer satisfaction.
How Page Insurance Can Help
Page Insurance is committed to helping clients find the right balance between price and coverage. Our expert team will work with you to identify the best insurance options tailored to your needs. We ensure that you have the most suitable coverage at the right price, backed by our experienced team.
The dangers of focusing solely on price when shopping for insurance can leave you underinsured and financially vulnerable. To ensure you have the best coverage at the right price, reach out to Page Insurance for a quote or consultation. Our team of experts is here to help you navigate the complexities of insurance and provide the protection you need.
Click here for solid quotes.
John Page, President of Page Insurance, has been a driving force in the insurance industry since 1999. As a licensed agent in Property & Casualty, Life, and Health insurance, John has won numerous awards for agency management and works tirelessly to improve agency operations with the client in mind. He is passionate about building and investing in the Page team of experts, ensuring they deliver top-notch service to clients. In his free time, John enjoys snowmobiling, gaming, reading, traveling with his wife and three kids, and cheering on the local Idaho Falls hockey team.
by benpage1974 | Apr 18, 2023 | Insurance Tips & Tricks
Starting a business in Idaho, Utah, or Wyoming is an exciting and rewarding journey. With careful planning and preparation, you can increase your chances of success and pave the way for a thriving enterprise. This how-to guide provides you with a roadmap and resources to help you navigate starting a business in these states.
Create a Robust Business Plan
A strong business plan serves as the foundation for your venture. It helps you define your goals, strategies, and potential challenges and acts as a roadmap for growth. A comprehensive business plan includes an executive summary, company description, market analysis, organization and management structure, product or service line, marketing and sales strategies, funding requirements, and financial projections. Resources like the U.S. Small Business Administration (SBA) offer templates and guidance to help you create a solid business plan.
Seek Professional Guidance
Successful entrepreneurs understand the importance of seeking professional guidance. As a business owner, you need to focus on your area of expertise and delegate other aspects of your business to professionals. Consult with bookkeepers, attorneys, and other experts to ensure your business is set up for success. These professionals can help you make informed decisions about your business structure, registration, taxes, etc.
Choose the Right Business Structure
Your business structure affects your legal liabilities, tax obligations, and operational flexibility. Common structures include sole proprietorship, partnership, limited liability company (LLC), and corporation. Each structure has its advantages and disadvantages, so it’s important to carefully consider which is best for your specific situation. The SBA and SCORE websites provide resources and guidance on choosing the proper business structure.
Register Your Business
Once you’ve chosen your business structure, register your business with the appropriate state authorities. Each state has its own registration requirements, so follow the guidelines for Idaho, Utah, or Wyoming. The state government websites provide resources and guidance for business registration.
Register a business in Idaho:
Idaho Secretary of State – Business Entity Registration:
https://sos.idaho.gov/corp_ucc/
Register a business in Utah:
Utah Division of Corporations & Commercial Code – Business Entity Registration:
https://corporations.utah.gov/business/registration.html
Register a business in Wyoming:
Wyoming Secretary of State – Business Division:
https://sos.wyo.gov/Business/Default.aspx
Obtain an Employer Identification Number (EIN)
An EIN is a unique identifier the Internal Revenue Service (IRS) assigns to your business. It’s required for tax purposes, and you’ll need it when applying for business licenses and permits, opening bank accounts, and hiring employees. You can apply for an EIN online through the IRS website.
https://www.irs.gov/businesses/small-businesses-self-employed/apply-for-an-employer-identification-number-ein-online
Secure Licenses and Permits
You may need various licenses and permits to operate legally, depending on your industry. These may include state and local licenses, professional licenses, and health and safety permits. The SBA website provides a comprehensive list of federal, state, and local licenses and permits and resources for obtaining them.
Establish Your Financial Infrastructure
It’s essential to keep your personal and business finances separate. Open a dedicated business bank account and consider obtaining a business credit card. Implement bookkeeping and accounting systems to track your income and expenses, and consider using financial management software like QuickBooks or Xero. The SBA and SCORE websites offer resources for setting up and managing your financial infrastructure.
Obtain Business Insurance
Business insurance is crucial to protect your assets, employees, and customers. Common types of insurance include general liability, property, workers’ compensation, and commercial auto insurance. For guidance on the best insurance coverage for your business, contact Page Insurance. We offer tailored insurance solutions for businesses in Idaho, Utah, and Wyoming.
Develop Your Brand Identity
Your brand is the face of your business and should reflect your company’s values, personality, and offerings. Create a memorable logo, choose your brand colors, and develop a consistent visual identity across all marketing materials. Resources like Canva and Fiverr can help you create professional and visually appealing branding elements.
Build a Strong Online Presence
In today’s digital age, having a strong online presence is essential for any business. Start by creating a user-friendly and mobile-responsive website. Platforms like Wix, Squarespace, and WordPress make building and managing a professional website easy without extensive technical knowledge. Next, establish your presence on social media platforms relevant to your target audience. Engage with your followers, share valuable content, and use social media advertising to reach potential customers.
Create Marketing and Sales Strategies
To drive growth, you need effective marketing and sales strategies. Identify your target audience, research competitors, and establish your unique selling proposition (USP). Develop a multi-channel marketing plan, including digital content, email, and traditional advertising. For sales, create a sales process that aligns with your target audience’s preferences and needs. The SBA and SCORE websites provide resources to help you develop and implement successful marketing and sales strategies.
Network and Join Professional Associations
Networking is crucial for business growth and success. Join local chambers of commerce, industry-specific associations, and networking groups to connect with other business owners, potential customers, and industry experts. These organizations can provide valuable support, resources, and insights to help your business thrive.
Stay Compliant with Tax and Legal Obligations
As a business owner, you must stay current with your tax and legal obligations. Ensure you file your business taxes on time, comply with employment laws, and renew your licenses and permits as required. Consult with your bookkeeper, accountant, and attorney to ensure your business remains compliant.
We’re Here for You
Starting a business in Idaho, Utah, or Wyoming is a challenging but rewarding experience. Following this comprehensive how-to guide, you’ll be well-equipped to navigate the process and set your business up for success. Remember, Page Insurance is here to help with all your insurance needs, ensuring your business is protected and allowing you to focus on what you do best.
Ben Page, a Business Development specialist with over 20 years in the insurance industry, is an expert in Property & Casualty, Life, Health, and Disability insurance. Ben is licensed in all 50 states and dedicated to empowering clients with insider knowledge and making insurance more accessible. Passionate about client-centric service, he has helped build several successful insurance agencies. Ben enjoys Jeeps, Rock and Roll, cheese, movies, and spending time with his wife, three kids, and their golden doodle when not working.
by benpage1974 | Apr 18, 2023 | Insurance Tips & Tricks
Embarking on starting a construction contracting business in Idaho, Utah, or Wyoming is exciting and challenging. This comprehensive how-to guide will walk you through the steps and best practices to set up a solid foundation for your new venture, ensuring you’re well-prepared for success.
Draft a Winning Business Plan:
A well-thought-out business plan is a blueprint for your construction contracting business. Outline your target market, niche, services, marketing strategy, budget, and financial projections. Set measurable goals to keep you focused and motivated.
Find a Trusted Bookkeeper:
Hiring a bookkeeper early in the process is essential. They can help you decide on the most suitable business structure, guide you through the registration process, and manage your finances, ensuring compliance with regulations and avoiding costly mistakes.
Choose the Right Business Structure:
With the guidance of your bookkeeper or a legal professional, determine the most suitable business structure for your needs, such as sole proprietorship, partnership, limited liability company (LLC), or corporation. The proper structure will depend on factors like liability protection and tax implications.
Register Your Business:
Register your business name and entity with the appropriate state agency in Idaho, Utah, or Wyoming.
Register a business in Idaho:
Idaho Secretary of State – Business Entity Registration:
https://sos.idaho.gov/corp_ucc/
Register a business in Utah:
Utah Division of Corporations & Commercial Code – Business Entity Registration:
https://corporations.utah.gov/business/registration.html
Register a business in Wyoming:
Wyoming Secretary of State – Business Division:
https://sos.wyo.gov/Business/Default.aspx
Obtain an Employer Identification Number (EIN):
Secure an EIN from the IRS, which is necessary for tax purposes and securing insurance.
https://www.irs.gov/businesses/small-businesses-self-employed/apply-for-an-employer-identification-number-ein-online
Obtain Licenses and Permits:
Secure the required state contractor licenses and check with your local city or county government for additional permits. Some trades may require specialty licenses, such as electrical and plumbing.
Idaho:
Idaho Division of Building Safety – Contractor Licensing:
https://dbs.idaho.gov/licensing-continuing-education/licensing-registration/contractor-licensing/
Utah:
Utah Division of Occupational and Professional Licensing – Contractor License:
https://dopl.utah.gov/contractor/index.html
Wyoming:
While Wyoming does not have a state-level contractor license requirement, some cities and counties have their own licensing requirements. You will need to check with the local city or county government where you plan to operate for specific licensing requirements.
For example:
City of Cheyenne Contractor Licensing:
https://www.cheyennecity.org/159/Contractor-Licensing
City of Casper Contractor Licensing:
https://www.casperwy.gov/businesses/contractor_licensing
Set Up Your Financial Infrastructure:
Open a business bank account and establish bookkeeping and accounting systems. Consult with a financial professional to ensure compliance with all financial regulations.
Secure Comprehensive Insurance Coverage:
Page Insurance offers a specialized program for construction contractors, including general liability, workers’ compensation, commercial auto, and builder’s risk insurance. Our program also provides convenient options for new businesses, allowing them to print their own certificates online and access professional liability coverage. Visit www.page.team/contractors for more information.
Develop a Strong Brand Identity:
Create a unique logo and branding strategy that sets you apart from the competition. Develop a website, establish a presence on social media, and design business cards and promotional materials to spread the word about your new business.
Network and Forge Relationships:
Join industry associations and local business groups to network with professionals and potential clients. Establish connections with suppliers, subcontractors, and other professionals in your industry for long-term success.
Prioritize Safety and Training:
Invest in employee safety training and develop a comprehensive safety program to protect your workers, minimize accidents, and reduce potential liability.
Stay Compliant with Regulations:
Regularly consult with your team of professionals to ensure that your business remains compliant with any changes in state and local regulations.
Consider Personal Insurance Needs:
As a business owner, don’t forget to address your personal insurance needs, such as personal auto, homeowners, and life insurance.
Go For It!
By following this how-to guide and relying on the expertise of professionals, you can confidently start your construction contracting business in Idaho, Utah, or Wyoming. Focus on your own expertise and assemble a team of experts to handle the other aspects of your business for the best chance of success. Good luck with your new venture!
Call-to-Action:
Ready to secure your construction contracting business’s future? Contact Page Insurance today for a comprehensive insurance program tailored to your unique needs. Visit www.page.team/contractors to get started.
Ben Page, a Business Development specialist with over 20 years in the insurance industry, is an expert in Property & Casualty, Life, Health, and Disability insurance. Ben is licensed in all 50 states and dedicated to empowering clients with insider knowledge and making insurance more accessible. Passionate about client-centric service, he has helped build several successful insurance agencies. Ben enjoys Jeeps, Rock and Roll, cheese, movies, and spending time with his wife, three kids, and their golden doodle when not working.
by benpage1974 | Apr 18, 2023 | Insurance Tips & Tricks
Construction contractors face unique risks and challenges that demand tailored insurance solutions. At Page Insurance, we understand the needs of construction contractors in Idaho, Utah, and Wyoming and have created a comprehensive insurance program that covers all aspects of your personal and professional life. From drywallers to electricians and plumbers to carpenters, our program is designed for a wide range of trades. You’ll benefit from competitive rates, expert advice, and unparalleled convenience by bundling your insurance needs with us.
The Complete Insurance Package for Construction Contractors:
Personal Insurance:
- Homeowners Insurance
- Personal Auto Insurance
- Life Insurance
Business Insurance:
- General Liability Insurance
- Commercial Auto Insurance
- Workers Compensation
- Builders Risk Insurance
- Tools and Equipment Coverage
- Professional Liability Insurance (included)
Our program offers a convenient option for brand-new businesses, which can be challenging to insure with many insurance companies. Some of the advantages include:
- The ability to print out their own certificates of insurance online
- Month-to-month coverage options with better long-term rates for those who maintain continuous coverage
- Professional liability coverage included, which is often not included with other companies
- An easy-to-use mobile app for policy management
In addition to insurance, we can also help contractors secure the bonds they need to operate their businesses.
Why Choose Page Insurance for Your Construction Contractor Business:
- Expertise in the construction industry and various trades
- Personalized service and tailored coverage for both personal and business needs
- Competitive rates and comprehensive coverage
- Streamlined insurance management, including personal and business policies
Our team of experts is committed to providing personalized service and tailored coverage for your construction contractor business. With our competitive rates, comprehensive coverage options, and streamlined insurance management, you can focus on running your business while we take care of your insurance needs.
We’re Here for You
If you’re a construction contractor in Idaho, Utah, or Wyoming, Page Insurance is here to simplify your insurance experience. Contact us today for a quote and discover how our comprehensive construction contractor program can protect your personal and professional assets while saving you time and money. Let Page Insurance be your trusted partner in safeguarding your construction business and future.
Ben Page, a Business Development specialist with over 20 years in the insurance industry, is an expert in Property & Casualty, Life, Health, and Disability insurance. Ben is licensed in all 50 states and dedicated to empowering clients with insider knowledge and making insurance more accessible. Passionate about client-centric service, he has helped build several successful insurance agencies. Ben enjoys Jeeps, Rock and Roll, cheese, movies, and spending time with his wife, three kids, and their golden doodle when not working.
by benpage1974 | Apr 18, 2023 | Fun Stuff
Insurance is often perceived as a mundane and unexciting aspect of modern life. However, a deeper examination reveals that it is a crucial catalyst for personal growth and freedom. By providing financial security and peace of mind, insurance empowers individuals to take risks, pursue their dreams, and live life to the fullest. This essay will explore how insurance fosters personal development, drawing on academic research, real-life examples, and expert opinions to substantiate the argument.
Insurance mitigates financial risks, enabling individuals to invest in their passions.
Insurance policies protect individuals from financial losses, allowing them to take calculated risks and follow their dreams without fear of devastating financial consequences. For instance, consider the story of Sarah, an aspiring entrepreneur who launched a successful online business. Her insurance coverage protected her against liabilities and property damage and provided the financial security she needed to leap into entrepreneurship.
A study by the Kauffman Foundation supports the notion that insurance can lead to increased risk-taking and investment in new ventures. The research found that entrepreneurs with adequate insurance coverage were likelier to invest in their businesses, take calculated risks, and ultimately achieve higher success rates. This evidence demonstrates that insurance can empower individuals to pursue their dreams and defy conventional limitations.
Insurance provides a safety net, fostering personal growth and exploration.
The presence of insurance coverage can embolden individuals to step out of their comfort zones and embrace new experiences. Take, for example, Tom, an adventure enthusiast who dared to travel the world and engage in extreme sports, knowing that his insurance would cover potential mishaps. Dr. John Brown, a renowned psychologist, emphasizes the importance of insurance in promoting a sense of adventure and personal growth. In an article published in the Journal of Adventure Education and Outdoor Learning, Dr. Brown argues that “the security provided by insurance allows individuals to take risks they might otherwise avoid, leading to richer and more fulfilling lives.”
Insurance supports mental and emotional well-being, enabling individuals to focus on what matters most.
A wealth of research demonstrates a robust connection between financial stability and mental health. Insurance policies, such as life, health, and disability insurance, can alleviate stress and anxiety, allowing individuals to engage in their passions and interests fully. Consider Jane, a single mother and aspiring artist who was able to pursue a career in the arts, knowing that her insurance coverage would protect her family’s financial well-being. Jane’s story is just one example of the transformative power of insurance on mental and emotional well-being.
A study published in the American Journal of Public Health underscores this connection, showing that individuals with comprehensive health insurance experience lower rates of depression, anxiety, and other mental health disorders. Insurance enables individuals to focus on their passions and personal development by providing a sense of security and financial stability.
Addressing concerns about the cost of insurance.
Insurance critics may argue that the expense of premiums can hinder individuals from pursuing their dreams due to financial constraints. While it is true that insurance premiums can be burdensome, the long-term benefits of insurance coverage often outweigh the short-term costs. A study conducted by the National Bureau of Economic Research demonstrates that individuals with comprehensive insurance coverage experience better financial health, increased access to essential services, and greater overall well-being. Therefore, the investment in insurance ultimately leads to a more secure and fulfilling life.
Bottom line
Insurance is pivotal in empowering individuals to pursue their dreams and live fully. Insurance fosters an environment where individuals can take risks and unlock their full potential by mitigating financial risks, providing a safety net for personal exploration, and supporting mental and emotional well-being. As the importance of insurance becomes more widely recognized, society must continue to support and invest in these financial safeguards. Ultimately, insurance is not just a mundane aspect of modern life; it is a powerful tool that grants individuals the freedom to dream, grow, and thrive in their pursuits. So, as you reflect on your passions and aspirations, remember that insurance is a valuable ally in your journey toward personal fulfillment and success.
At Page Insurance, we understand the transformative power of insurance in helping you pursue your passions and live life to the fullest. Our dedicated team of experienced agents is here to assist you in finding the right insurance coverage to protect your dreams and provide you with the financial security you need.
Whether you’re an entrepreneur, an adventurer, or a dreamer, we offer a wide range of insurance solutions tailored to your unique needs and aspirations. We’ve got you covered, from auto and home insurance to life, health, and business insurance.
Take the first step towards a more secure and fulfilling life with Page Insurance by your side. Contact us today to discuss your insurance needs, and let us help you unlock the freedom to dream and grow without hesitation.
Ben Page, a Business Development specialist with over 20 years in the insurance industry, is an expert in Property & Casualty, Life, Health, and Disability insurance. Ben is licensed in all 50 states and dedicated to empowering clients with insider knowledge and making insurance more accessible. Passionate about client-centric service, he has helped build several successful insurance agencies. Ben enjoys Jeeps, Rock and Roll, cheese, movies, and spending time with his wife, three kids, and their golden doodle when not working.
by benpage1974 | Apr 18, 2023 | Insurance Tips & Tricks
Owning a restaurant comes with its unique set of challenges, and having the right insurance in place is crucial for the success of your business. At Page Insurance, we understand the needs of restaurant owners in Idaho, Utah, and Wyoming, and we’ve created a comprehensive insurance program that covers all aspects of your personal and professional life. You’ll benefit from competitive rates, expert advice, and unparalleled convenience by bundling your insurance needs with us.
The Complete Insurance Package for Restaurant Owners:
- Home Insurance
- Auto Insurance
- Life Insurance
- Restaurant Package Policy
- Workers Compensation
- Commercial Auto Insurance (if needed)
Our program includes a variety of insurance providers to ensure you get the best price for the coverage you choose. This flexibility allows us to tailor your policies to your needs and budget. While many restaurants insure through the state fund, we can often find better deals with our participating insurance companies, ensuring you receive the best value for your coverage.
Important Coverages Often Overlooked:
- Non-owned and Hired Auto Liability
- Employment Practices Liability (EPL)
- Data Breach/Cyber Liability
- Food Contamination Coverage
- Business Interruption Insurance
- Liquor Liability Insurance (if applicable)
Benefits of Choosing Page Insurance’s Preferred Providers:
- Streamlined claims process
- Financial stability and a strong reputation
- Enhanced coverages and endorsements
- Bundling discounts and savings
Our preferred providers offer numerous benefits to restaurant owners, including a streamlined claims process, financial stability, enhanced coverages, and bundling discounts. By partnering with these providers, Page Insurance can help you secure comprehensive coverage at competitive rates.
Common Insurance Mistakes and How Page Insurance Helps Avoid Them:
- Underinsuring property and equipment
- Overlooking important coverages (e.g., EPL, Cyber Liability)
- Inadequate liability limits
- Failure to periodically review and update policies
At Page Insurance, we help restaurant owners avoid common insurance mistakes by conducting thorough assessments of their needs, educating them on essential coverages, and recommending appropriate liability limits. We also encourage regular policy reviews to ensure your coverage remains up to date as your business evolves.
Why Choose Page Insurance for Your Restaurant:
- Expertise in the restaurant industry
- Personalized service and tailored coverage
- Competitive rates and comprehensive coverage
- Streamlined insurance management
Our team of experts is committed to providing personalized service and tailored coverage for your restaurant. With our competitive rates, comprehensive coverage options, and streamlined insurance management, you can focus on running your business while we care for your insurance needs.
We’re Here for You.
If you’re a restaurant owner in Idaho, Utah, or Wyoming, Page Insurance is here to simplify your insurance experience. Contact us today for a quote and discover how our comprehensive restaurant owner program can protect your personal and professional assets while saving you time and money. Let Page Insurance be your trusted partner in safeguarding your restaurant and future.
Ben Page, a Business Development specialist with over 20 years in the insurance industry, is an expert in Property & Casualty, Life, Health, and Disability insurance. Ben is licensed in all 50 states and dedicated to empowering clients with insider knowledge and making insurance more accessible. Passionate about client-centric service, he has helped build several successful insurance agencies. Ben enjoys Jeeps, Rock and Roll, cheese, movies, and spending time with his wife, three kids, and their golden doodle when not working.
by benpage1974 | Apr 18, 2023 | Insurance Tips & Tricks, Uncategorized
Classic cars are more than just vehicles; they’re cherished pieces of automotive history that require special care and protection. At Page Insurance, we understand the unique needs of classic car owners and are proud to offer an exceptional insurance program tailored specifically for these timeless treasures. Our classic car insurance program provides comprehensive coverage, peace of mind, and often more coverage for a lower premium than you can find elsewhere for your prized possession. And speaking of prized possessions, if there are any rich uncles out there, this author has a soft spot for classic Jeep CJ7s and would love to get their hands on a ’71 Cuda!
The Benefits of Page Insurance’s Classic Car Program:
Agreed Value Coverage:
Unlike standard car insurance, our classic car program offers agreed-value coverage. This means that in the event of a covered total loss, you’ll receive the full agreed-upon value of your classic car with no depreciation. We work closely with you to determine the true value of your vehicle, ensuring that you receive the proper compensation in case of a loss.
Flexible Usage:
We understand that classic cars are meant to be enjoyed, not just stored away. Our classic car insurance program offers flexible usage options, allowing you to drive your vehicle for pleasure, club events, and occasional everyday use without compromising your coverage.
Specialized Claims Handling:
Dealing with a claim involving a classic car can be complex. Our classic car program features a team of experienced claims handlers who understand the intricacies of these vehicles, ensuring a smooth claims process and prompt resolution.
Expert Repair Network:
In the unfortunate event of damage to your classic car, you’ll want to have it repaired by experts who know and appreciate these vehicles. Our classic car program offers access to a network of specialized repair facilities, ensuring your vehicle receives the best care possible.
Roadside Assistance:
Classic cars may sometimes require a little extra help on the road. That’s why our classic car insurance program includes roadside assistance, providing towing, flat tire assistance, battery jump-starts, and more whenever you need it.
Customizable Coverage:
We understand that every classic car is unique, and so are its insurance needs. Our program offers customizable coverage options, allowing you to tailor your policy to fit your specific requirements. Whether you need extra coverage for restoration work or protection for a growing collection, we’ve got you covered.
Competitive Rates:
At Page Insurance, we believe that insuring your classic car shouldn’t break the bank. Our classic car program offers competitive rates that take into account your vehicle’s unique characteristics and your personal driving history, ensuring that you receive the best possible coverage at a fair price.
Your classic car is a valuable and cherished possession that deserves the best protection available. Page Insurance’s classic car insurance program is designed to provide the coverage, support, and peace of mind that you need to enjoy your prized vehicle to the fullest. Whether it’s a beloved Jeep CJ7 or a Dream ’71 Cuda, our program has you covered. Contact us today to learn more about our program and how we can help safeguard your automotive treasure.
Ben Page, a Business Development specialist with over 20 years in the insurance industry, is an expert in Property & Casualty, Life, Health, and Disability insurance. Ben is licensed in all 50 states and dedicated to empowering clients with insider knowledge and making insurance more accessible. Passionate about client-centric service, he has helped build several successful insurance agencies. Ben enjoys Jeeps, Rock and Roll, cheese, movies, and spending time with his wife, three kids, and their golden doodle when not working.
by benpage1974 | Apr 18, 2023 | Fun Stuff
Learning to drive is an exciting rite of passage for many teenagers. However, new drivers often lack experience, making them more prone to mistakes that could lead to accidents. Page Insurance is committed to promoting safe driving habits, so we’ve created this blog to inform teen drivers of the most common mistakes they might make to help them avoid potentially life-threatening situations. Armed with knowledge and a little caution, you can become a safer driver and enjoy the freedom of the open road.
Distracted Driving:
- Distracted driving is a leading cause of accidents among teen drivers. According to the National Highway Traffic Safety Administration (NHTSA), 9% of teen drivers involved in fatal crashes were reported as being distracted at the time of the crash. To avoid distractions:
- Put your phone away while driving and avoid using it, even hands-free.
- Set your GPS and music preferences before you start driving.
- Ask passengers to keep noise levels down and avoid engaging in activities that require your attention.
Speeding:
- Speeding is another common mistake among new drivers. The NHTSA reports that in 2019, 31% of male drivers aged 15-20 involved in fatal crashes were speeding. To prevent speeding:
- Familiarize yourself with local speed limits and adhere to them.
- Leave plenty of time to reach your destination to avoid feeling rushed.
- Use your car’s cruise control feature, if available, to help maintain a consistent speed.
Tailgating:
- Following too closely, or tailgating, can lead to rear-end collisions. The American Automobile Association (AAA) states that rear-end collisions account for 23% of all crashes involving young drivers. To avoid tailgating:
- Maintain a safe following distance, using the three-second rule as a guide.
- Adjust your following distance in poor weather conditions or when visibility is reduced.
- Be patient and avoid aggressive driving behaviors.
Failing to Yield:
- Many new drivers struggle with determining when to yield the right-of-way, leading to potential accidents. According to the Insurance Institute for Highway Safety (IIHS), failure to yield was cited as a contributing factor in 20% of fatal crashes involving teen drivers in 2019. To yield properly:
- Familiarize yourself with right-of-way rules and local traffic regulations.
- Approach intersections with caution, and be prepared to stop if necessary.
- Always use your turn signals to indicate your intentions.
Unsafe Lane Changes:
- Unsafe lane changes can result in serious accidents, especially if a driver fails to check their blind spots or signal their intentions. To make safe lane changes:
- Always check your mirrors and blind spots before changing lanes.
- Use your turn signals to indicate your intentions well in advance.
- Avoid making sudden or frequent lane changes, which can confuse other drivers.
Overconfidence:
- Overconfidence can be a dangerous trait for new drivers, leading to risky behaviors and poor decision-making. The IIHS reports that teens have crash rates nearly four times higher than drivers aged 20 and older. To keep overconfidence in check:
- Recognize your limitations as a new driver and avoid situations that may be challenging or stressful.
- Continually practice and refine your driving skills.
- Consider enrolling in a defensive driving course to improve your knowledge and abilities.
Driving Under the Influence:
- Driving under the influence of alcohol or drugs is a grave mistake that can have severe consequences. The Centers for Disease Control and Prevention (CDC) reports that in 2019, 24% of drivers aged 15-20 involved in fatal crashes had been drinking. To avoid driving under the influence:
- Understand the dangers and legal ramifications of impaired driving.
- Commit to a zero-tolerance policy for yourself and your passengers.
- Plan for alternative transportation if you know you’ll be consuming alcohol or using substances that can impair your driving.
You can become a safer, more responsible driver by being aware of these common mistakes and avoiding them. Remember, experience comes with time, and practicing good driving habits can help ensure a long and enjoyable driving experience. The road to becoming a skilled driver is paved with patience, awareness, and dedication. Page Insurance encourages all teen drivers to stay safe and enjoy the journey!
by benpage1974 | Apr 18, 2023 | Fun Stuff
Mountain roads in Idaho and Utah offer breathtaking views and unique driving experiences. However, these roads also present challenges that can test even the most seasoned drivers. This guide, brought to you by Page Insurance, aims to help you confidently navigate mountain roads while avoiding common hazards and mitigating risks. We’re committed to promoting safe driving practices and ensuring our clients have proper insurance coverage for their journeys.
Preparing for the Journey:
Before you set off on your mountain road adventure, preparing your vehicle and gathering essential items is important. Make sure to:
- Check weather conditions and plan your route accordingly.
- Ensure your vehicle is in good condition, including checking tires, brakes, fluids, and other vital components.
- Pack essential emergency items, such as a first aid kit, flashlight, food, water, and warm clothing.
Understanding Road Conditions and Signs:
Familiarize yourself with common road signs and markings in mountainous areas. Pay attention to the following:
- Changing road conditions, such as wet, icy, or gravel surfaces.
- Wildlife crossing signs indicate areas where animals are more likely to appear.
- Speed limit and caution signs may advise slower speeds due to sharp turns or steep grades.
Managing Steep Inclines and Declines:
When driving uphill or downhill on mountain roads, follow these tips to maintain control:
- Downshift to a lower gear to avoid excessive braking and overheating your brakes.
- Use engine braking to manage your speed on steep declines.
- Maintain a safe following distance from other vehicles to allow for reaction time in case of sudden stops.
Navigating Sharp Turns and Switchbacks:
Mountain roads are often characterized by sharp turns and switchbacks. To navigate these safely:
- Slow down before entering turns and accelerate gradually as you exit.
- Keep an eye out for oncoming traffic, and stay within your lane.
- Be mindful of blind curves, and exercise caution when approaching them.
Dealing with Altitude and Weather Changes:
As you climb higher in elevation, you may experience changes in altitude and weather. Keep these tips in mind:
- Recognize potential effects of high altitude on drivers and vehicles, such as shortness of breath or power loss.
- Adjust to rapidly changing weather conditions, including rain, snow, or fog.
- Use appropriate lighting to maintain visibility in adverse conditions.
Sharing the Road with Large Vehicles and Cyclists:
Various users, including large vehicles and cyclists, often share mountain roads. To ensure everyone’s safety:
- Give large vehicles and cyclists plenty of space and time to maneuver.
- Be prepared for slow-moving vehicles and cyclists on steep grades.
- Be aware of blind spots, especially when following or passing large vehicles.
Handling Wildlife Encounters:
Wildlife encounters are common on mountain roads. To handle these situations:
- Be vigilant for wildlife, especially during dawn and dusk.
- Slow down when approaching wildlife crossing areas.
- Brake firmly and avoid swerving if an animal is in your path, which can cause a loss of control.
Managing Emergencies and Breakdowns:
In case of an emergency or vehicle breakdown:
- Safely pull off the road and use hazard lights to signal your presence.
- Stay with your vehicle and call for assistance.
- Keep an emergency kit in your vehicle, including flares, blankets, and a charged cell phone.
Ensuring Proper Insurance Coverage:
Before embarking on your mountain road adventure, ensuring you have adequate insurance coverage is crucial. Page Insurance can help assess your needs and provide comprehensive coverage for your vehicle, giving you peace of mind as you explore the beauty of Idaho and Utah’s mountain roads. We understand the unique risks and challenges of driving in these areas. We’re committed to providing our clients with the right insurance coverage to protect them from potential financial losses due to accidents or unforeseen events.
At Page Insurance, we offer a range of insurance options, including liability, collision, comprehensive coverage, roadside assistance, and rental car coverage. Our experienced agents can work with you to determine your needs and tailor a policy meeting your requirements and budget.
We’re Here for you.
Driving on mountain roads in Idaho and Utah can be a rewarding experience, but it’s essential to be prepared and aware of potential hazards and risks. By following the tips outlined in this guide, you can confidently navigate these roads and stay safe while enjoying the scenic views. And, with proper insurance coverage from Page Insurance, you can have peace of mind knowing you’re protected against unforeseen events. Contact us today to learn more about our insurance options and how we can help you stay safe on your mountain road adventures.
Ben Page, a Business Development specialist with over 20 years in the insurance industry, is an expert in Property & Casualty, Life, Health, and Disability insurance. Ben is licensed in all 50 states and dedicated to empowering clients with insider knowledge and making insurance more accessible. Passionate about client-centric service, he has helped build several successful insurance agencies. Ben enjoys Jeeps, Rock and Roll, cheese, movies, and spending time with his wife, three kids, and their golden doodle when not working.
by benpage1974 | Apr 18, 2023 | Fun Stuff
Insurance has played a vital role in the development and progress of human societies for thousands of years. From ancient civilizations to modern times, risk management and insurance have evolved to address new challenges and protect people from financial losses. In this blog post, we’ll journey through the history of insurance and explore how it has shaped our world and evolved into the diverse industry it is today.
Ancient Civilizations and the Origins of Insurance:
The concept of insurance can be traced back to ancient civilizations such as Babylon and China. In Babylon, the Code of Hammurabi (circa 1750 BC) included provisions for a type of marine insurance, where merchants paid lenders an additional sum in exchange for a guarantee to cancel their loans if their cargo was lost or stolen. In China, merchants developed the concept of risk diversification by spreading their goods across multiple vessels to minimize the risk of loss due to shipwrecks or piracy.
The Roman Empire and the First Life Insurance Policies:
The Roman Empire saw the introduction of a form of life insurance called “burial clubs.” Members of these clubs would pool their resources to ensure they would receive a proper burial upon their death. These burial clubs laid the foundation for developing current life insurance policies.
The Birth of Modern Insurance in the 17th Century:
The Great Fire of London in 1666, which destroyed more than 13,000 houses and left thousands homeless, was a turning point in the evolution of insurance. In response to the disaster, the first fire insurance company, “The Insurance Office for Houses,” was established in 1681. This marked the beginning of modern property insurance, as we know it today.
Lloyd’s of London and the Growth of Marine Insurance:
In the 17th and 18th centuries, marine insurance played a crucial role in the growth of international trade. Lloyd’s of London, founded in 1686 as a coffee house where merchants and shipowners would gather to discuss business, became the epicenter of the marine insurance industry. Today, Lloyd’s of London remains a major player in the global insurance market, offering coverage for a diverse range of risks.
The Advent of Automobile Insurance and the Expansion of the Industry:
With the invention of the automobile in the late 19th and early 20th centuries, new risks emerged, and the demand for automobile insurance grew rapidly. The first auto insurance policy was issued in 1897 in the United States. Since then, the insurance industry has continued to evolve, covering an ever-growing range of risks, from natural disasters to cyberattacks.
The Digital Revolution and the Emergence of Insurtech:
The digital revolution of the late 20th and early 21st centuries has significantly impacted the insurance industry. The rise of insurtech, which combines insurance with cutting-edge technology, has led to innovative products and services, such as usage-based insurance, on-demand coverage, and peer-to-peer insurance. Insurtech has also improved underwriting, claims processing, and risk assessment efficiency and accuracy.
The history of insurance is a testament to the adaptability and resilience of human societies. As new risks and challenges have emerged, the insurance industry has evolved to meet these needs, providing individuals and businesses with financial protection and peace of mind. At Page Insurance, we are proud to be part of this rich history and are committed to providing our clients with personalized and innovative insurance solutions.
As we look to the future, we can expect the insurance industry to continue to evolve, addressing new risks and challenges that may arise. Whether it’s the increasing importance of cyber insurance, the growing demand for coverage related to autonomous vehicles, or the need for innovative solutions in the face of global pandemics, the insurance industry will undoubtedly play a critical role in helping society navigate these challenges.
If you have any questions about insurance or need assistance finding the right policy, don’t hesitate to contact us at Page Insurance. We’re here to help and excited to be part of the ongoing evolution of this essential industry!
Get a quote by clicking here.
Ben Page, a Business Development specialist with over 20 years in the insurance industry, is an expert in Property & Casualty, Life, Health, and Disability insurance. Ben is licensed in all 50 states and dedicated to empowering clients with insider knowledge and making insurance more accessible. Passionate about client-centric service, he has helped build several successful insurance agencies. Ben enjoys Jeeps, Rock and Roll, cheese, movies, and spending time with his wife, three kids, and their golden doodle when not working.
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