Tag: Best Rates

Blinded By The Light — The Sunlight!

I’m not one to complain about sunshine — especially since gray, cloudy days are just around the corner (and yes, I’ll complain about those too). But there’s something about fall sunlight that hits different… usually right in your eyes on the drive to work. And no, it’s not in your head — it’s science. 
 
Fall Sunlight = Blinding 
In autumn, the sun sits lower in the sky, which means it’s directly in your line of sight during morning and evening commutes. Add the fall equinox shifting sunrise and sunset times, and you’ve got a recipe for glare — and potentially, disaster. 
 
You Gotta Wear Shades 
According to the National Library of Medicine, bright sunlight raises the risk of life-threatening crashes by about 16%. To protect yourself: 
• Keep your windshield clean. Dust and streaks magnify glare. Top off washer fluid and keep a spare in the car. 
• Wear polarized sunglasses. They cut glare from the sun and reflections off car windshields and pavement. 
• Use your sun visor early. Combine with sunglasses for the best defense. 
• Increase following distance. Glare can mask brake lights and traffic signals. 
• Slow down if visibility is poor. A few extra minutes is worth your safety. 
 
The Good and the Bad 
The good news: when clocks “fall back” in November, many drivers notice less direct glare during their commute. The bad news: more time driving in the dark as winter sets in. So, enjoy the sunlight while it lasts — just don’t let it blind you! 
 
 
Stay safe. Stay protected. Stay informed.  

If you want peace of mind knowing your auto insurance will be there when the unexpected happens, give us a call today. 

Author: Judy Sivy

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Phones Down: Eyes on the Road

I pass drivers all the time who are looking down at their phones. It’s scary — and it makes me wonder why we don’t talk more about how dangerous it really is. If everyone understood the risks, wouldn’t more people put their phones down and focus on the road? 

The statistics are alarming: 

Here in Ohio, lawmakers recognized the danger. In October 2023, the state enacted a “phones down” law prohibiting drivers from holding handheld devices. Since then, distracted driving fatalities in Ohio have declined by 19% (Ohio State Patrol). That’s a real, measurable improvement — and proof that change is possible. 

But statistics and laws only go so far. The reality is, we all want to keep our loved ones — especially our kids — safe behind the wheel. 

Telematics Can Be Used as a Coaching Tool 

At ProtectALL, many of the insurance companies we represent offer telematics programs that track driving habits through a smartphone app or plug-in device. For families with young drivers, these programs are more than just technology — they’re coaching tools. 

Parents can see patterns in their child’s driving, like hard braking, speeding, or phone use. Instead of waiting until there’s a ticket or an accident, you can have constructive conversations in real time to help your teen build safer habits. 

Real Savings Available 

On top of improving safety, telematics can also save families money at a time when premiums keep climbing: 

Nationwide SmartRide®, Progressive Snapshot®, and Cincinnati RideWell℠ are just a few of the programs available. Those savings can add up quickly, especially for households already stretched by the cost of insuring young drivers. 

The Bottom Line 

Distracted driving is preventable — and we all have a role to play in changing the culture around it. By combining strong laws, family coaching, and tools like telematics, we can make the roads safer and ease the financial burden of auto insurance. 

If you’d like to explore whether a telematics program is right for your family, our team at ProtectALL can walk you through your options. Together, we can protect what matters most. 

Author: Judy Sivy

Stay safe and informed. Not distracted.

Why Rental Reimbursement Coverage Matters More Than You Think

In a previous blog, I shared a personal story: my husband was hit by an uninsured driver. Thankfully, he wasn’t injured and our Uninsured Motorist (UM) coverage on our auto policy was there to repair the damage to our vehicle. But that experience opened our eyes to another gap many people don’t realize exists until it’s too late: rental car coverage. 
 
UM Coverage Isn’t the Only Coverage You Need 
 
Uninsured Motorist coverage is designed to step in when the at-fault driver doesn’t have insurance. It protects you financially for damage to your vehicle and injuries.  
 
But here’s the issue: it doesn’t automatically cover the cost of a rental car while your own vehicle is in the shop. That’s why you need Rental Reimbursement coverage — and if you don’t have it, or don’t have enough of it, you could be paying out-of-pocket. 
 
Is $30/day Enough for a Rental Car? 
 
Many people assume a rental car is $20–$30 a day. That might have been true years ago, but today it’s a very different story: 
• Economy/compact cars: around $50–65 per day in Columbus. 
• SUVs and larger vehicles: often $80–$110+ per day 
 
Now, compare that to what’s in most policies. Many auto policies only cover $30 per day for rental, capped at 30 days. If your repair takes longer, or the daily rate is higher, you’re left paying the difference. 
 
A Real-Life Example: Six Weeks in the Shop 
 
When my husband’s car was hit by the uninsured driver, it wasn’t a quick fix. His car was in the shop for almost six weeks. 
 
If we only had $30 per day that would have left a huge gap for us to pay:  
• Average rental cost in Columbus: $60/day × 42 days = $2,520 
• If the policy only covered $30/day (common in many policies): $30/day × 30 days = $900 
• Out-of-pocket gap: $1,620 
 
After an accident, it’s not unusual for repairs to take several weeks — especially with parts delays and body shop backlogs. 
 
So What Do You Need To Do Right Now? 
 
Review your auto policy to verify the following:  

The Bottom Line 
 
We were fortunate — our Uninsured Motorist coverage protected us from the financial impact of the accident, and we also had rental reimbursement coverage to help offset the cost of being without a vehicle for weeks. But the experience showed us just how quickly rental expenses can add up, and how inadequate coverage could leave many families with a hefty out-of-pocket bill. 
 
Call ProtectALL Insurance today and let us review your auto policy with you. We’ll make sure your coverage matches real-world rental costs, so you’re not left paying thousands out of pocket after an accident. 

Author: Judy Sivy

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What Kind of Insurance Does Your Small Business Really Need? 

It takes guts to open your own business. Seriously — taking that kind of risk, putting your time, money, and energy on the line to build something of your own? That’s bold, admirable, and worth protecting! 

You’ve taken a big chance and gambled on yourself — now don’t risk everything you’ve built by skipping out on the right insurance. Figuring out the right insurance coverage probably sounds boring, tedious and overwhelming, but we have good news!  Business insurance doesn’t have to be complicated. There are a few key policies most small businesses need, and once those are in place, you’re off to a great start. 

Here’s the basic policies most small businesses need: 

1. General Liability Insurance  

Accidents happen — and when they do, this is the coverage you’ll be glad to have. General liability protects you if someone gets injured at your business or if you accidentally damage someone else’s property. It even covers legal fees if a claim turns into a lawsuit. 

Example: A customer slips and falls at your business. You’re covered. 

2. Commercial Property Insurance  

Whether you own a storefront, lease an office, or run your business from a workshop or warehouse, property insurance covers your physical assets — like your building, tools, inventory, and equipment — from fire, theft, storms, and more. 

Pro Tip: If your business operates from home, your homeowners insurance typically doesn’t cover business-related losses. Property coverage tailored for your business is essential. 

3. Commercial Auto Insurance  

If you use a vehicle for business — even if it’s just one — you’ll want this. Commercial auto covers business vehicles and drivers, so you’re not left paying out of pocket. 

Pro Tip: Personal auto insurance typically won’t cover accidents that happen while you’re working. 

4. Umbrella Insurance  

Think of this as a safety net. Umbrella insurance kicks in when a big claim exceeds the limits of your other policies — like general liability or auto. It’s the peace-of-mind policy that helps protect your business from large, unexpected losses. 

There’s more available than just the basics 

Depending on your industry and operations, you might need other coverage — like workers’ comp, cyber liability, professional liability, etc. Every business is different, which is why it’s smart to work with an insurance advisor who can help assess your risks and recommend the right protection. 

Bottom line: 
Taking risks is part of being a business owner — but leaving your business unprotected isn’t a risk you can afford. 

Let’s make sure you’ve got the right coverage in place. 
We’re here to help you protect what you’ve built — reach out today for a quote! 

Author: Judy Sivy

BOP it!

Best Car Insurance for Columbus Families in 2025: Rates, Discounts & Smart Tips

Raising a family in Columbus means juggling it all — work, school, extracurriculars, and the most nerve-wracking challenge of all: teen drivers!  With everything going on, finding the right car insurance might not be at the top of your to-do list — but it needs to be. 

Car insurance for families in Central Ohio doesn’t have to be confusing or expensive. In fact, with the right insurance agent, you can save money and get better protection at the same time.   

As a locally owned independent agency based in Dublin and serving all of Ohio, we’re here to help families like yours make smart decisions that grow with you. 

Why Does Car Insurance Costs More for Families? 

When you have multiple drivers (especially teens), a few vehicles, and a busy household, your insurance needs become more complex. Common factors that impact your rate include: 

Luckily, there are proven ways to lower your premiums while keeping your family safe. 

Tip #1: Bundle Home + Auto for Big Savings 

If you own a home or rent, bundling your home or renters’ insurance with your car insurance can save you up to 25%. More importantly, it simplifies billing and claims — especially when you’re dealing with severe weather or accidents. 

And some insurance companies offer a single deductible for claims that affect both your home and vehicle (like hailstorms), which can save you hundreds. 

Tip #2: Insure Teen Drivers the Smart Way 

Adding a teen driver can cause your blood pressure and premiums to spike! Don’t worry, we have some smart ways to keep it under control: 

Pro Tip: It’s typically much cheaper to keep your teen on your family policy than to start a separate one. 

Tip #3: Compare Quotes — the Right Way 

Online quoting options may sound like a quick and easy way to compare but be careful because the devil is in the details!!   You might get the lowest price but miss out on important coverages — or end up overpaying for things you don’t need.  

As an independent agency, we do comparison shopping for you — across multiple top-rated carriers — and tailor coverage to your family’s unique needs. 

We often discover that families are: 

Tip #4: Take Advantage of Columbus-Specific Discounts 

Living in Central Ohio has its perks — including special savings opportunities. Ask us about: 

Our Recommendation 

When it comes to car insurance for families in Columbus, it’s not just about finding the lowest rate — it’s about finding the right coverage for your lifestyle, your drivers, and your future. And having the best insurance agency that will help you protect what matters most to you!!  

As your family grows and changes, your insurance should evolve with it. 

Let The Risk Pros at ProtectALL find you the right coverage! 

Need a coverage review or a fresh quote? We’re here to help. 

Call us, visit our Dublin office, or [click here] to start your free quote today. 
We’re local, independent, and we protect what matters most to you! 

Author: Judy Sivy

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