CMR Insurance & Services Blog

What to Consider Before Renovating Your Commercial Space

Wed, 26 Aug 2026 04:00:00 GMT

Renovating a commercial space can improve functionality, update the appearance of your business, and create a better environment for employees and customers. Whether you are making a few targeted improvements or completing a major remodel, careful planning can help keep the project on track.

Before construction begins, consider how the renovation will affect your budget, operations, property, and long-term plans for the space.

Define the Purpose of the Renovation

Start by identifying what you want the renovation to accomplish. You may need additional work areas, more efficient storage, an updated customer-facing space, or a layout that better supports your current operations.

Having clear priorities can make it easier to evaluate design decisions and determine which improvements are worth the investment. It can also help prevent the scope of the project from expanding unnecessarily.

Establish a Realistic Budget

Construction costs can include much more than materials and contractor labor. Design services, permits, inspections, new equipment, furniture, technology, and temporary operating arrangements may all contribute to the total cost.

Consider including room in your budget for unexpected expenses. Older buildings in particular may reveal electrical, plumbing, structural, or other issues once work begins.

Review Permits and Building Requirements

Depending on the project, renovations may require permits, inspections, or approval from local authorities. Accessibility requirements, fire codes, zoning rules, and other building regulations may also affect your plans.

If you lease your space, review your lease and obtain any required approval from the property owner before beginning work. The lease may also specify who is responsible for certain improvements and repairs.

Plan Around Business Operations

Consider how construction will affect employees, customers, inventory, and everyday operations. Noise, dust, blocked entrances, limited parking, and unavailable work areas can all create temporary challenges.

Some businesses may be able to complete renovations in phases or schedule disruptive work outside normal operating hours. Larger projects may require temporary workspaces or changes to how customers are served.

Choose Contractors Carefully

Before hiring a contractor, review experience, references, licensing requirements, and the proposed scope of work. Make sure responsibilities, costs, timelines, and expectations are clearly documented.

It is also important to confirm that contractors carry appropriate insurance for the work they will be performing.

Think About Long-Term Needs

A renovation should address current needs while also considering where your business may be headed. Future staffing, equipment, storage, technology, and customer needs can all influence how useful the renovated space remains over time.

Planning for reasonable growth now may help you avoid having to make additional major changes sooner than expected.

Review Your Business Insurance

Renovations can change the value, layout, features, and use of a commercial space. New equipment, fixtures, improvements, or changes to business operations may also affect your insurance needs.

Before beginning a significant renovation, contact us to review your business insurance coverage and discuss whether any changes should be made before, during, or after the project.

How to Protect Your Home During a Power Outage

Mon, 24 Aug 2026 04:00:00 GMT

Power outages can happen with little or no warning and may last anywhere from a few minutes to several hours or longer. While most outages are temporary inconveniences, they can also create risks for appliances, electronics, food, plumbing, and other parts of your home.

A little preparation can help you reduce potential damage and make it easier to manage an outage safely.

Protect Electronics and Appliances

Power surges can sometimes occur when electricity is restored. Unplugging sensitive electronics such as televisions, computers, gaming systems, and other devices can help protect them from potential damage.

For equipment that needs to stay connected, consider using quality surge protectors or a whole-home surge protection system. Once power returns, wait a few minutes before turning major appliances back on to avoid placing additional demand on the electrical system all at once.

Keep Refrigerators and Freezers Closed

A refrigerator or freezer can maintain a safe temperature for a limited period if the doors remain closed. Opening them frequently allows cold air to escape and can cause food to warm more quickly.

Keep refrigerator and freezer doors closed as much as possible during an outage. If outages are common in your area, a refrigerator thermometer can also make it easier to determine whether food has remained at a safe temperature.

Use Generators Safely

A portable or standby generator can help keep essential equipment operating during an extended outage, but generators must be used properly.

Portable generators should always be operated outdoors and away from windows, doors, and vents because they produce carbon monoxide. Never operate one inside a garage, basement, or enclosed area. Follow the manufacturer's instructions for placement, fueling, and electrical connections.

Consider Plumbing and Temperature Risks

During cold weather, a long outage can allow indoor temperatures to fall enough to create a risk of frozen pipes. Keep doors closed to retain heat, open cabinet doors around plumbing when appropriate, and monitor indoor temperatures if possible.

Homes with sump pumps, well pumps, or other electrically powered systems may also need backup power during longer outages. Understanding which systems depend on electricity can help you decide where backup power is most important.

Prepare for Extended Outages

Keep flashlights, batteries, portable chargers, and other basic supplies in an easy-to-find location. Charging phones and battery packs ahead of severe weather can also help you stay connected if power is lost.

It is also useful to know how to manually operate garage doors, security systems, and other equipment that normally relies on electricity.

Review Your Home Protection

Preparation can help reduce the impact of a power outage, but unexpected damage can still occur. Equipment failures, spoiled food, electrical damage, and weather-related losses may all raise questions about what your homeowners insurance covers.

Contact us today to review your homeowners insurance coverage and make sure your policy reflects your current home and protection needs.

How Smart Home Technology Can Help Detect Problems Early

Fri, 21 Aug 2026 22:12:10 GMT

Smart home technology is often associated with security cameras and smart locks, but many of today's most useful devices are designed to help homeowners identify potential problems before they become major repairs.

From water leaks to temperature fluctuations, smart home tools can provide early warnings that allow homeowners to respond more quickly. While no technology can prevent every issue, these devices can offer greater visibility into what is happening around your property, whether you are at home or away.

Smart Water Leak Detectors

Water damage is one of the most common and costly issues homeowners face. Even a small leak can cause significant damage if it goes unnoticed for an extended period.

Smart water leak detectors are designed to monitor areas where leaks commonly occur, including around water heaters, washing machines, dishwashers, sinks, and sump pumps. If moisture is detected, many systems can send an alert directly to your smartphone, allowing you to investigate the issue before it worsens.

Automatic Water Shutoff Systems

Some smart home systems take water protection a step further by automatically shutting off a home's water supply when a significant leak is detected.

These systems can help reduce damage from burst pipes, appliance failures, and other plumbing issues. For homeowners who travel frequently or own seasonal properties, automatic shutoff technology can provide an added layer of protection.

Smart Smoke and Carbon Monoxide Detectors

Traditional smoke and carbon monoxide detectors play an important role in home safety, but smart versions can provide additional awareness when you are not at home.

Many smart detectors can send notifications directly to your mobile device if smoke or carbon monoxide is detected. This allows homeowners to stay informed and take action even when they are away from the property.

Smart Thermostats and Freeze Monitoring

Temperature-related issues can create unexpected property damage, especially during colder months. Frozen pipes can burst and lead to extensive water damage if problems are not identified quickly.

Smart thermostats allow homeowners to monitor indoor temperatures remotely and receive alerts if temperatures fall outside a designated range. This can be particularly helpful for vacation homes, rental properties, or homes left vacant for extended periods.

In addition to temperature monitoring, some smart home devices can track humidity levels, air quality, and other environmental conditions.

Technology and Insurance Working Together

Many smart home devices can work together through a single app or platform, making it easier to monitor multiple aspects of your property from one place. Homeowners can choose the devices that fit their needs and gradually build a system that provides greater visibility and convenience.

While smart home technology is not a substitute for insurance, it can help homeowners stay informed and respond quickly when problems arise. Contact us today to review your homeowner insurance coverage and discuss ways to help protect your property.

Signs Your Business Has Outgrown Its Current Space

Tue, 21 Jul 2026 21:46:23 GMT

As businesses grow, their space needs often change. A location that once felt like the perfect fit can eventually become crowded, inefficient, or limiting. While moving to a larger facility is a significant decision, recognizing the signs early can help business owners plan ahead and avoid unnecessary operational challenges.

Whether you own, lease, or manage a commercial property, understanding when your space is no longer meeting your needs can support better long-term planning.

Employees Are Running Out of Room

One of the most obvious signs of an overcrowded workspace is a lack of room for employees. Workstations may feel cramped, meeting rooms may always be occupied, and common areas may struggle to accommodate staff comfortably.

As headcount increases, businesses often find that the original layout no longer supports productivity or collaboration as effectively as it once did.

Storage Areas Are Overflowing

Many growing businesses accumulate inventory, equipment, supplies, and records over time. When storage rooms begin overflowing into offices, hallways, or work areas, it may indicate that your current space is no longer keeping up with operational demands.

Insufficient storage can create inefficiencies and make it more difficult to keep workspaces organized.

You Are Turning Away Opportunities

Growth can create opportunities that require additional space. Whether it is hiring new employees, expanding inventory, purchasing equipment, or adding new services, a lack of physical space can become a barrier to progress.

If business decisions are regularly being influenced by space limitations, it may be worth evaluating whether your current location still supports your goals.

Operational Efficiency Is Declining

Many businesses evolve over time. New technology, additional equipment, expanded product lines, and changing operational needs can all place new demands on a facility.

An undersized workspace can impact workflow in ways that are not always obvious. Employees may spend more time navigating crowded work areas, locating supplies, or working around space constraints.

A space that worked well several years ago may no longer align with how your business operates today. Over time, these small inefficiencies can affect productivity and create frustration for both employees and customers.

Customer Experience Is Being Affected

For businesses that interact directly with customers, limited space can influence the customer experience. Crowded waiting areas, limited parking, insufficient seating, or cramped retail spaces can make it more difficult to serve customers effectively.

As your customer base grows, your physical location should be able to support the level of service you want to provide.

Planning for Future Growth

Outgrowing a space is often a positive sign that a business is moving in the right direction. Whether you are considering a larger lease, purchasing a commercial property, or reconfiguring your current facility, planning ahead can help make the transition smoother.

As your business grows, it is also important to review your business insurance coverage to make sure it reflects your current operations, property, equipment, and staffing levels. Contact us today to review your coverage and discuss how recent changes to your business may impact your insurance needs.

Mistakes Small Businesses Make When Trying to Grow Too Quickly

Fri, 03 Jul 2026 14:39:58 GMT

Growth is exciting for any small business. More customers, new employees, and expanding operations are all signs that hard work is paying off. However, growing too quickly without the right planning can create serious challenges that impact long-term success.

Taking on Too Much Overhead Too Soon

One common mistake is expanding expenses too quickly. Leasing larger office space, purchasing costly equipment, or rapidly increasing payroll before revenue is fully stable can create unnecessary financial pressure. Growth should be strategic and sustainable rather than rushed.

Growth often increases expenses before profits fully catch up. Some business owners assume future sales will automatically solve current financial strain, but rapid growth can quickly create cash flow issues without careful budgeting and planning.

Failing to Build Strong Processes

As businesses grow, communication, scheduling, customer service, and project management become more complex. Systems that worked for a small team may no longer be effective as operations expand. Without organized processes in place, inefficiencies and mistakes are likely to increase.

Many businesses grow because they provide excellent service and strong customer relationships. During periods of fast expansion, it can become difficult to maintain the same level of responsiveness and consistency. Customers often notice when service quality changes.

Hiring Faster Than You Can Train

Adding employees too quickly without proper onboarding or clearly defined responsibilities can create confusion and inconsistent service. Strong hiring and training practices become increasingly important during periods of rapid growth.

Overlooking Insurance and Risk Management

Growth can also change your insurance needs. Adding employees, vehicles, equipment, locations, or services may require updates to your business insurance coverage. Reviewing your policies regularly can help ensure your business remains properly protected as operations expand.

Planning for Sustainable Growth

Growing your business is an exciting milestone, but sustainable growth is often more successful than expanding too quickly. Taking the time to strengthen operations, finances, and long-term planning can help position your company for continued success.

Common Insurance Mistakes Young Families Make

Sun, 21 Jun 2026 21:42:14 GMT

Starting and growing a family comes with many exciting milestones, but it also brings new responsibilities and financial risks. Between busy schedules, growing expenses, and changing priorities, insurance coverage is often overlooked. Unfortunately, small gaps in coverage can create major problems when the unexpected happens.

Keeping the Same Coverage for Too Long

Many young families continue using the same insurance policies they had before getting married, buying a home, or having children. As life changes, insurance needs often change as well. Coverage that worked a few years ago may no longer provide enough protection today.

Underinsuring Personal Property

Families tend to accumulate furniture, electronics, appliances, toys, and other belongings quickly. Many people underestimate the total value of their personal property until they experience a major loss. Creating a home inventory can make it easier to understand how much coverage may be needed.

Choosing Coverage Based Only on Price

It is natural to want affordable insurance, especially with the expenses that come with raising children. However, choosing the lowest-priced policy without understanding the coverage can lead to unexpected out-of-pocket costs later. Deductibles, liability limits, exclusions, and coverage options all matter.

Not Updating Beneficiaries

Life insurance and other financial accounts often require beneficiary updates after major life events such as marriage or the birth of a child. Forgetting to review this information can create complications later and may not reflect your current wishes.

Many young families delay purchasing life insurance because they assume it is too expensive or unnecessary. In reality, life insurance can help provide financial stability for a spouse or children if something unexpected happens. Policies are often more affordable when purchased at a younger age.

Ignoring Liability Protection

As families grow, liability risks can increase as well. Owning a home, hosting guests, having pets, or adding teenage drivers can all increase exposure to liability claims. Reviewing liability limits and discussing umbrella insurance may be worthwhile for some families.

Forgetting to Review Coverage Regularly

Insurance should not be treated as a one-time purchase. Families often experience changes in vehicles, income, home value, and lifestyle over time. Regular policy reviews can help identify gaps and ensure coverage continues to match current needs.

Insurance may not always be top of mind during busy stages of life, but having the right coverage in place can help provide peace of mind and financial protection for your family. Taking a little time to review your policies now can help prevent larger problems later.

Home and Office Pest Control Options

Wed, 29 May 2024 16:35:45 GMT

If you’ve noticed unwanted bugs or rodents around your home or office, you’re not alone. This is a common problem throughout the United States, but there are steps you can take to make your environment pest-free.

Make Sure Your Home or Office Isn’t Attracting Pests

First, you’ll want to ensure your home or office building isn’t attracting undesirable visitors with obvious lures, like open food and waste. Practice these tips to get rid of the most basic causes of infestations:

Get in the habit of cleaning up right away after preparing a meal or snack. Put food away, and wash dishes of food remains.
Don’t leave food where rodents can get it. Remove it from countertops, and place it in secure cabinets or the refrigerator. Use metal canisters to house foods that are especially attractive to pests, such as pet foods, grains, seeds, and nuts.
Wipe counters and chopping blocks frequently to remove crumbs and spilled liquids.
Take out the trash frequently. Make sure it’s covered to prevent four-legged dumpster divers.
Use screen doors and fill any small holes, including those around pipes and drains, with steel wool or foam to block rodents.

Weigh the Pros and Cons of Professional Pest Control vs. Natural Methods

If you have a continual pest problem, you may think about calling a professional rather than dealing with it yourself. In some cases, such as when tackling dangerous fire ants or hornets, this is a smart move. You may not have the equipment or products to deal with the issue, and crawling under your home may not be in your wheelhouse.

However, professional pest control does have its disadvantages. Cost is one factor, particularly if you need repeat visits. Some types of pest control use chemicals that you don’t want around your kids or pets. Always ask those who service your property if they plan to use methods safe for kids and pets.

Additionally, getting rid of some pests may cause collateral damage — killing desirable species like bees and butterflies in the process. Sometimes it’s better for the environment to live with a few harmless spiders.

Natural predators are often a safer option when dealing with insects. These are bugs, such as lacewings, that prey on other bugs. They work on many species and are common around places like horse farms that need to manage flies. These days, you can order many of these natural solutions online and have them shipped to you.

Other natural methods include DIY traps using household ingredients like vinegar. You can try essential oils as well, or try planting herbs like mint to repel certain insects and mice.

If mosquitoes are a threat, consider adding a bat house or two instead of spraying the area. Bats can eat up to 2,000 mosquitoes an hour, and if you create a home for them outside, they’re less likely to invade your attic. Likewise, placing owl platforms around the property can encourage them to come and eat unwanted small rodents.

Explore Trapping Options

Trapping animal pests has its pros and cons, too. Using DIY traps for mice and rats means you must relocate these critters elsewhere — up to six miles away so they don’t sniff their way back home again!

This is not only time-consuming, but it also makes the pests someone else’s problem and releases them in an area where they may not necessarily survive. It’s not always the humane solution people think it is.

Both live and dead traps are not for the squeamish either, as they must be emptied or disposed of. Sometimes this is best left to a professional, especially if you have a significant infestation.

Larger animals are best trapped with the help of your animal control department or a professional. You can, for example, get DIY traps for stray cats that are then evaluated for shelter placement. But raccoons, skunks, and the like are a job for someone who does it for a living.

Don’t Forget About Your Vehicles

Finally, remember to make your vehicles pest-proof, too. Use the same rules as you would for your home or office for food debris and trash. Never leave your trunk or windows open when the car is empty and parked, or you might be inviting mice and squirrels into your car. A few mothballs strategically placed where kids and pets won’t find them can also repel pests, particularly once the weather cools down and they’re looking for a place to nest.

Family Emergency Preparedness Checklist

Fri, 21 Apr 2023 21:43:26 GMT

It seems like every day on the news that we hear stories about a hurricane, flood, or wildfire creating massive damage in the U.S. and putting people out of their homes. Have you thought about how your family would handle this kind of emergency? Here are a few tips to keep you and your household safe if disaster strikes.

Plan a Fire Escape Route

Home fires strike thousands of families every year in America. If your home were to catch on fire, do you have an escape route planned?

Every member of the family, including children, should know what to do if your smoke alarm sounds. Do they wait for an adult or exit the house on their own via a path you’ve discussed previously? Do you have emergency escape mechanisms, such as window ladders, if your doors aren’t accessible?

If you have children, seniors, or someone with a disability in your household, it’s wise to practice escaping a fire so you know what to do if the real thing happens.

Be Ready to Evacuate

Some emergencies, like wildfires and severe storms, require you to leave your home. If you live in an area particularly prone to evacuations, it’s smart to have a “go bag” packed for each household member in case you have to leave in a hurry.

Keep a list of other things you want to pack if you only have a few hours or a day to leave, such as before a hurricane. This includes items like medications, precious valuables, important papers, and electronics.

Your first priority is the safety of you, your family members, and your pets (see below). Next is your go bag. If you have time after that, work through your list, taking as much as you can but never jeopardizing your lives to save things. That’s what your homeowner insurance or renters insurance is for.

Have Reunification and Communication Plans If Separated

Sometimes disasters strike while household members are at work or school. Therefore, have a plan for where you will reunite if you are separated and can’t return to your home. Usually, meeting at a designated evacuation center is preferable.

You may not be able to directly communicate if power is out and cell towers go down or are used to prioritize 911 calls. Try to develop a plan for how you will get in touch with each other if your cell phones or email don’t work, like using a nearby relative as an intermediary.

Don’t Forget Your Pets

Remember, your pets are part of your family too! Don’t forget to include them in fire escape and evacuation plans. Your evacuation supplies should include food and water for them, as well as anything else they need, such as medications, bedding, and leashes. Having crates and carriers for your pets will make evacuation much easier, especially if you have to stay away from home overnight.

Keep Emergency Supplies on Hand

Everyone should have supplies handy at home in case you need to shelter in place after a storm or earthquake. You may not have tap water or electricity, so in addition to nonperishable food and medications, keep these items at the ready:

Enough bottled water for everyone
Disinfectant and wipes
Batteries
Emergency radio
Power bank to charge phones and small electrical devices
Flashlights and electric lanterns
Warm blankets and clothing
Camp stove or grill (always use outside, never inside the house)

Consider the kind of emergencies you’re most likely to face depending on your location and climate, and plan accordingly. If you have frequent power outages already, you may wish to install an emergency backup generator or keep a supply of firewood on hand for heat and cooking.

Are high winds a hazard where you live? Be sure to keep your supplies in a shelter below ground, if possible, along with pillows and blankets if you have to hunker down there.

Make Your Home Less Prone to Damage

There are ways to minimize damage to many homes. Some common methods include:

Improving drainage through the yard with greenscaping, water catch basins, French drains, etc., or adding a sump pump
Upgrading your roofing materials or redoing an old roof
Adding hurricane straps to the roof
Trimming back large trees around your home
Installing new windows and doors or hurricane shutters
Reinforcing your structure and securing tall furniture to the wall

Some disaster-proofing can also save you money on your home insurance. To learn more about proper insurance coverage, call us today.

Who Needs Life Insurance and How Much Do You Need?

Tue, 21 Mar 2023 21:41:40 GMT

It’s an unfortunate fact that life expectancy in the US has dropped recently. This has led many people to examine whether or not they should have a life insurance policy and, if so, how much coverage they should have. Here are some basics about life insurance, intended to help you decide whether it’s the right protection for you and your loved ones.

Do I Need Life Insurance?

Life insurance pays out when you die, providing funds for whomever you name as a beneficiary in the policy. Usually, beneficiaries are spouses or partners and children, although they can be anyone who depends on your income financially to survive, like grandchildren or a sibling with a disability.

Would your family’s home be at risk without you there to provide for them? Would your children be able to attend college? If they would be unable to pay for the things they have now or have planned for the future, life insurance is a must. It will give everyone involved peace of mind knowing they will be okay financially even if the worst happens.

How Much Life Insurance Should I Get?

The general rule of thumb is you should provide at least 6-10 times your income with a life insurance policy. However, you may wish to have more than that if you have a large number of dependents, an expensive mortgage, or other expenses that would be hard for your family to meet after your passing.

A substantial life insurance policy can be very difficult and costly to obtain the older you get because the risk of you needing the policy increases with age. Therefore, starting your policy while you’re still young and healthy is best, giving you time to let it grow without it being a financial burden and to minimize the chance that you’ll be turned down for coverage due to poor health or advanced age.

What Are the Different Kinds of Life Insurance?

There are three basic kinds of life insurance:

Term life insurance - coverage for a specific period of time
Whole life insurance - coverage for your entire lifetime
Universal life insurance - a mix of term and whole life with more flexible premiums

It can be challenging to decide what kind of insurance to purchase and exactly how much to get. That’s why it’s important to work with an experienced insurance agent and not simply buy any old policy online.

Need help finding the personal insurance coverage that’s right for you? Call us today to get the personalized help you want.

What to Check Before Buying a Used Car

Tue, 21 Feb 2023 21:51:11 GMT

With the new car market impacted by shipping delays, many people are choosing to buy used cars lately. And some people only purchase a used vehicle because it saves them money and lets the first owner figure out if it’s a lemon or not (most major problems show up by around 60,000 miles). Here’s a checklist for things you should assess if you’re looking at used cars.

Tires and Brakes

While tires can be replaced, they can run hundreds or even thousands of dollars. Make sure the tires are in good shape with no worn treads or patches; otherwise, this can be a good opportunity to knock some money off the price of the vehicle with your offer.

The brakes should be in excellent working order too. There should be no noise when you apply the brake pedal, and you shouldn’t have to pump the pedal or push hard on it to stop the vehicle. No brake warning lights should be illuminated on the dashboard.

Suspension and Alignment

The vehicle should ride smoothly when you take it for a test drive. Before you get in, check to make sure the car or truck sits level on the pavement. Also, the alignment should be correct, and the vehicle should not pull to one side or the other.

Air Conditioning and Heat

No matter where you drive, you’ll want air conditioning or heat… or both. Don’t forget to turn them on to ensure they’re working properly. Check all the vents, including those in the rear, if there is a separate vent system behind the driver’s seat.

Safety Elements

If certain components are not functioning, driving the vehicle may not be safe, and you can get a traffic citation. This includes:

Headlights, tail lights, and directional signals
Seat belts and airbags
Dashboard lights
Horn
Windshield (no cracks or stars) and wipers

Make certain the door locks and window controls work too.

Accident History and Repair Record

Ideally, you want as many records for the vehicle as you can get your hands on. There are multiple sites online where you can enter the vehicle identification number (VIN) to see if it’s been in an accident. The owner’s certificate (pink slip) should not indicate that it’s a salvage vehicle.

If the owner has repair and maintenance records, that’s even better. It’s a good sign if a seller can provide this documentation because it usually shows they have nothing to hide and have been meticulous about the car’s upkeep.

If you’re not sure about a car’s mechanical soundness, take it to a mechanic for a pre-purchase inspection. It’s well worth the money to save yourself from buying a vehicle that needs too much work.

Miscellaneous Other Items

Depending on the vehicle you’re buying, there are other elements you may wish to check:

Sound system
Luxury electronics like navigation systems, smartphone connections, video players, etc.
Seating (fabric, heating, adjustment controls, etc.)
Trunk or hatchback mechanism
Sunroof or convertible roof
Spare tire and jack
Roof rack, trailer hitch, running boards, etc.
Exterior paint condition

Insurance Quote

Before you buy, it’s wise to get a quote on what it will cost to insure the vehicle, so there are no surprises. And, of course, you'll want to have the vehicle insured before you start driving it if you do decide to purchase it. Most states require liability insurance to register and operate a motor vehicle, plus you probably need collision and comprehensive coverage to be fully protected.

Have you found the used car you want and are ready for an auto insurance policy? Get in touch today to make sure you have the protection you need.