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Author: Scott Boren

Insurance Protection

The Truth About Insurance Protection: Don’t Buy Your Safety Net at a Dollar Store

Written by Scott Boren on . Posted in Car Insurance 101.

The Naked Truth About Insurance Protection: Don’t Buy Your Financial Safety Net at the Dollar Store Look, we get it. Nobody wakes up in the morning thinking, “I can’t wait to spend money on insurance protection today!” But here’s the inconvenient truth: focusing on insurance premiums instead of the protection it provides is like buying a parachute based solely on how...

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Home Insurance Claims Costs

Home Insurance Claims Costs More Than You Think

Written by Scott Boren on . Posted in Home Insurance 101.

Home Insurance Claims: The Real Costs That No One Talks About Home insurance claims costs are the checks you never want to cash—but might need to. Look, nobody wakes up in the morning thinking, “Today would be a fantastic day to file a home insurance claim!” Yet here we are, talking about the real costs of home insurance claims—something you hope never happens but should...

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Coffee

Coffee vs. Car Insurance: What Your Daily Brew Says About Your Buying Habits

Written by Scott Boren on . Posted in Car Insurance 101.

Coffee vs. Car Insurance: What Your Daily Brew Says About Your Buying Habits The Power of Perception: Coffee’s Glow-Up Not long ago, coffee was utilitarian. A dollar at the diner. A stale pot in the office breakroom. Something you drank for function, not feeling. Then came Starbucks. They didn’t just serve coffee—they sold an identity. A vibe. A lifestyle. Your cup had your name on it...

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Pay-As-You-Drive: How Usage Based Auto Insurance Is Gives Good Drivers Savings

Written by Scott Boren on . Posted in Car Insurance 101.

Pay-As-You-Drive: How Usage Based Auto Insurance Is Finally Giving Good Drivers What They Deserve Are you still paying the same insurance rates as that maniac who cuts you off every morning on your commute? If so, you’re being robbed in broad daylight… with your insurance company holding the bag. Welcome to the revolution of usage based auto insurance – where your actual driving...

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Home Insurance Review

Why a Home Insurance Review Is More Important Than You Think

Written by Scott Boren on . Posted in Home Insurance 101.

Why a Home Insurance Review Is More Important Than You Think You bought your home insurance policy years ago when you closed on your house. Your insurance agent explained the coverage, you signed the paperwork, filed it away, and haven’t thought about it since. Sound familiar? For most homeowners, insurance is a “set it and forget it” purchase. You pay the premiums when...

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Buy Home Insurance

Should I Buy Home Insurance? Everything You Need to Know Before You Decide

Written by Scott Boren on . Posted in Home Insurance 101.

Should I Buy Home Insurance? Everything You Need to Know Before You Decide You just signed the closing papers on your dream home. Congratulations! Get ready for a new set of questions, this time about protecting that investment. Chief among them: “Do I really need to buy home insurance?” The short answer? Yes. And the smart answer? Absolutely! When you’re deciding whether to...

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Buying From An Insurance Agent

Why Buying from an Insurance Agent Is Still Better Than Buying Online

Written by Scott Boren on . Posted in Personal Finance.

Why Buying from an Insurance Agent Is Still Better Than Buying Online There I was, coffee in hand, Sunday morning financial blog binge in full swing. You know the drill—scrolling through investment advice, retirement strategies, and the latest fintech disruptions. Then something stopped me cold. A respected finance blogger—not an insurance industry shill—was actually praising the value of...

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Switch Car Insurance: When It Makes Sense (and When It Doesn’t)

Written by Scott Boren on . Posted in Car Insurance 101.

Switch Car Insurance: When It Makes Sense (and When It Doesn’t) Most drivers do the same thing every year: their car insurance renewal notice arrives, the premium looks roughly the same, and they move on with their lives. No comparison. No questions. Just automatic. It’s not laziness. It’s inertia — and insurance companies are counting on it. Here’s the thing:...

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California Proposition 103 Actually Harms Consumers

Written by Scott Boren on . Posted in Car Insurance 101.

California Proposition 103: The Unintended Consequences for Consumers In 1988, California voters passed Proposition 103 by a narrow margin of 51.1% to 48.9%. Designed as a populist response to increasing California auto insurance rates, the proposition sought to protect consumers by limiting how insurance companies set rates. While the measure was intended to curb price increases and promote...

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5 Steps to Choose an Insurance Agent Who Actually Works for You

Written by Scott Boren on . Posted in Personal Finance.

5 Steps to Choose an Insurance Agent Who Actually Works for You In a world where you can buy almost anything with a click, insurance remains deeply personal. So, how do you choose an insurance agent that’s right for you? You might be wondering why that matters. Let me ask you something: Would you hire a financial advisor without meeting them first? Would you trust someone with your health...

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