Spring is just around the corner! A great indicator that winter is being left behind is the orange “Bump” signs posted along the roads. If it isn’t a frost heave it is a pot hole. The daily commutes resembles more of an off road course at the X Games than your regular drive to work. The warmer days cause the snow to melt while the nights bring us … [Read more...] about Maine Auto Insurance and Maine Roads
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In 2006, I purchased my first car from a dealer, a 2005 Pontiac Grand Am. I love this car. It isn’t the fanciest model, but it is mine. In 2011, I proudly made the last payment. It really was mine now. I know how to drive it in the snow. I know how to back into tight parking spots. I know how to operate my car. It is a good feeling. I firmly … [Read more...] about DEER VERSUS YOUR CAR INSURANCE
June is National Safety Month. This year’s message is Safety 24/7. Each week in June, the National Safety Council has set up a theme. The last week in June has been dedicated to safe driving. The goal is to raise awareness and educate the public. Road traffic increases during the summer months as people are heading to the beach among other … [Read more...] about KEEP YOUR EYES ON THE ROAD
The battle of the sexes has been raging since the dawn of time. The 1946 musical, Annie Get Your Gun, is a classic example of anything you can do I can do better. Pun intended. One gender related topic that can get even the most relaxed person going is; are men better drivers than women? According to the statistics of the insurance industry, men … [Read more...] about CHEAPER YOU SAY, BECAUSE I’M A FEMALE?
We are all aware that we are required by law to have liability car insurance. A simple definition of liability car insurance is coverage if an insured is legally liable for bodily injury or property damage caused by an automobile. What we may not be so knowledgeable about is collision and comprehensive coverage. While these types of coverage may be … [Read more...] about The Moose and the Tree – The Differences in Collision and Comprehensive Insurance
Beginning January 3, 2012, all commercial drivers - including truck and bus drivers - are banned from using hand-held and push-to-talk cell phones while behind the wheel, affecting an estimated 4 million commercial drivers. The new rule from the Department of Transportation prohibits commercial motor vehicle drivers from holding, dialing, or … [Read more...] about Nationwide Cell Phone Ban
Since we first saw the animated sitcom, The Jetsons, we’ve been waiting for a flying car to become a reality. While not quite as “Hollywood” as the AMC Matador Coupe used in the 1974 flick The Man With the Golden Gun, the construction, testing and certification of a next generation design is now underway. The first customer delivery of the … [Read more...] about Insuring Flying Cars
Here at Cheney Insurance Agency (CIA), we have several operational habits we are holding on to quite tightly, especially during this period of rapid change and constant technological advances. One of these is our tendency to send out regular hand-written note cards to friends, clients, prospects, vendors, and others. We all know it is a good … [Read more...] about CIA Operational Tidbit: Hand Written Note Cards
You won't hear this just anywhere, but in our office this very important task is managed by -- our receptionist. Actually (and this is quite surprising), most insurance agencies have no formal process in place for monitoring the financial ratings of the companies they represent. That means other agents can easily allow a ratings downgrade to … [Read more...] about Who Watches The Financial Ratings For Your Insurance Company?
We really do have an amazing staff at Cheney Insurance. They are very good at their jobs, they are knowledgeable and professional, and they all work hard (and our office can be quite a busy place!) Believing quite strongly that we need to take time periodically to just have some fun, we scrapped our normal biweekly staff meeting this morning, … [Read more...] about Taking Time For A Little Fun
Trusted Choice is a national brand created by the Independent Insurance Agents and Brokers of America to help differentiate their members—typically smaller, locally-owned insurance agencies like Cheney Insurance—from larger direct-writing insurance companies such as GEICO and State Farm. When the Maine Insurance Agents Association decided to … [Read more...] about WCSH6 TV Ad Urges Viewers To Consider a Trusted Choice Agent
My previous blog post about dog bite claims mentioned a scenario where an insureds home liability coverage might be exhausted by a large claim, leaving the homeowner stuck with the balance--a truly unfortunate mess. How do you protect yourself from the worst-case scenario? Most folks turn to a personal liability umbrella policy, which we highly … [Read more...] about Should You Have a Liability Umbrella Policy?