Frees Advice

Fall Home Maintenance Tips

Posted on September 13, 2022 by Taylor Payne

While spring is a common time for many homeowners to spend some extra attention on upkeep and maintenance, autumn is just as critical a season for preparing your home to withstand the potentially harsh winter weather and temperature conditions that may await you. By making maintenance part of your annual fall routine you can identify potential problems before they arise, and help prepare your home…

Borrowing & Lending Cars

Posted on August 24, 2022 by Taylor Payne

The school year is quickly approaching and many students are leaving for their college dorms and apartments. If you are living at college, it’s important to know the implications of borrowing a friend’s car or lending your car to others. If your child is off to college, be sure he/she is also aware of the associated risks of sharing cars. It is…

Rental Cars: Buy the Insurance?

Posted on March 2, 2022 by Taylor Payne

It’s that time of year again… As people begin to travel again and plan their spring break trips, we always get the question about insurance for rental cars. This is one of our most common inquiries, but like with most questions in insurance, there is no simple answer. Renting a car on vacation can be one of the most confusing issues because of the…

Speed Kills

Posted on November 17, 2021 by Taylor Payne

2020 was memorable for all sorts of reasons. In a move I have never seen in my 34 years in the insurance business, automobile insurance companies refunded premiums because people were driving less. (They refunded the money without being asked.) So while we all drove less, about 430 billion fewer miles, the number of fatalities increased by about 7% from roughly 36,000 to an…

How to Obtain Flood Insurance

Posted on September 23, 2021 by Taylor Payne

After Hurricane Ida, local residents now have a better idea of how Noah must have felt. Upwards of eight inches or rain fell in about four hours. That created quite a mess with street, home, and yard flooding. What makes this situation even worse is that most of the people involved did not have flood insurance.

Typically, people think of a flood as the overflow…

Insuring Aging Cars – Pt. II

Posted on August 31, 2021 by Taylor Payne

Last post, we wrote about the cost of insuring old cars when it comes to the factors that go into repairing an old car if it is damaged. But the collision and other than collision coverage are just part of the premium you pay. The other parts of the policy included liability and uninsured, UM, and underinsured motorist, UIM protection.

Liability pays others if you…

Insuring Aging Cars

Posted on August 19, 2021 by Taylor Payne

One of the most common questions we get is why doesn’t the cost of insuring my aging car ever go down? In order to answer that, we should first make sure everyone understands when a policy pays and how the age of the car impacts the cost of the coverage. In this particular post, we will deal with the part of the insurance that…

“Sell Only What You Need”

Posted on May 12, 2021 by Taylor Payne

GEICO and Progressive spend a combined $1.5 billion a year on advertising. We have gecko lizards, cavemen, Flo, Jake, and now an emu as the pillars of these ad campaigns. One of the more confusing ones I have heard lately is a carrier that says “We will only sell you what you need.” I wish someone would tell me what that means. Is that…

Life Insurance: Do I Need It?

Posted on February 9, 2021 by Taylor Payne

Life Insurance. Where to begin? At the beginning is probably the best place. Insurance of all kinds is designed to protect you in the event of a loss that you could not otherwise afford. Insurance is where you have a known loss in exchange for an unknown loss. You insure your house in case it gets struck by lightning. You insure your car in case…

LKQ vs OEM Auto Parts

Posted on December 29, 2020 by Taylor Payne

Ersatz. My 11th Grade English teacher would be so happy that I was finally able to use one of those SAT words. Ersatz means “… made as a substitute, typically, an inferior one.” You are probably asking yourself why an insurance blog is offering vocabulary advice. Actually, I wanted to use this as a way to start the conversation about how cars get repaired after an…