Information on car insurance for individuals.

What Determines Car Insurance Rates

  Your auto insurance is based on more than your history as a driver. The amount you pay for auto insurance is determined by a complicated algorithm that takes many factors into consideration. Your driving history is just one variable used to calculate your rate. Read on to learn more about what auto insurance carriers look at when they determine your premium. Age is a key factor.  Younger drivers are considered the riskiest to insure due to their lack of experience behind the wheel. Most insurance carriers consider a “young driver” to be [...]

2024-04-16T13:25:31+00:00April 16th, 2024|

Farm Insurance 101

Agriculture is the backbone of our world, providing sustenance and livelihoods for billions of people worldwide. However, farming comes with risks. Weather, damage to equipment, and injured employees are just some of the many challenges that farmers must face. This is where we can help, farm insurance offers protection and comfort to our Farmers who work tirelessly to feed the world. Farm insurance is more than just protecting your farm equipment. Farm insurance financially protects your farm in the event of a covered loss.  These policies cover your farm for a range [...]

2024-03-04T19:40:34+00:00March 4th, 2024|

Hard Market FAQ

After decades of low premiums and abundant capacity - their willingness to accept new or increased risk –  the insurance market is experiencing a hard market. This is when premiums increase, coverage terms are restricted, and competition for most types of insurance decreases; in other words, insurance is getting more expensive and harder to find. A hard market can lead to a ton of questions. Let’s look at a few and go over the answers. What is a “hard market” in insurance? A hard market means insurance companies are raising rates and restricting [...]

2024-02-06T16:43:12+00:00February 6th, 2024|

Hard Market 101

You’ve already heard about how inflation is affecting everything, including insurance premiums and claims. Rates are rising and insurance is becoming harder to get. This situation is what we in the insurance industry refer to as a “hard market.” What causes a hard market? Hard markets are caused by many factors, these can include increased underwriting loss – a loss made by an insurance company in a particular period- , increases in natural disaster claims, increased litigation costs, and increased economic challenges. All of these factors make it more expensive for insurance companies [...]

2024-02-06T16:37:43+00:00February 6th, 2024|

Golden Milestone: Celebrating 50 Years of Excellence

In the world of insurance, where trust and reliability are critical, reaching the 50-year mark is worth a celebration. Gannon Associates Insurance is proud to be celebrating their golden anniversary this year. Established in 1973 by Max Gannon, Gannon Associates Insurance has been a source of support and security for countless individuals and businesses across our area and beyond. As they commemorate half a century of unwavering dedication to their clients and commitment to insurance excellence, it is the perfect time to reflect on the journey that led to this remarkable achievement.   [...]

2023-12-22T17:43:41+00:00December 22nd, 2023|

What Is Gap Insurance?

Purchasing a new vehicle can be exciting and overwhelming! You go to the car lot, test drive dozens of vehicles, find the perfect one, and now are sitting at a desk signing what feels like a thousand documents. The salesman asks if you want a warranty, special add-ons, gap insurance, and more… with each option adding additional costs if you say yes. It’s easy to say no to all of the above as the vehicle itself is already so expensive but wait! You may want to reconsider saying no to gap insurance. Gap [...]

2023-03-31T15:15:32+00:00April 16th, 2023|

Preparing Your Teen For Winter Driving

Winter driving can be intimidating for anyone, but it’s especially overwhelming for new drivers who may not be as comfortable behind the wheel. Snow and ice can make driving conditions dangerous and preparing your teen drivers properly could save their life. Having a conversation with your teen about the dangers of driving in winter weather is a great way to help prepare them. Share some of your own experience and some winter driving dos and don’ts such as: Do Take it slow. Traction is one of the biggest challenges when roads are icy [...]

2022-12-06T12:00:47+00:00December 6th, 2022|

Routine Maintenance Every Driver Should Consider

We rely on our vehicles to get us everywhere we need to go when we need to go there. In return, our vehicles rely on routine maintenance. It takes making sure that things like tires, brakes, fluids, filters, and more are in order for your vehicle to remain safe and dependable. There are a lot of moving parts, let’s take a look at some routine maintenance every driver should consider. Check and Rotate Your Tires. Nobody likes a flat tire, but it is one of the most common issues drivers face on the [...]

2022-06-01T14:48:45+00:00June 5th, 2022|

Insurance Gaps You Face When You Rideshare or Deliver and How We Can Help – Uber, Doordash, and More

Services like Lyft, Uber, Doordash, and GrubHub are popping up all over the country. These services make life a little more convenient and give people new income sources. When you work for one of these services you get to set your own schedule, meet new people, and put extra money in your pocket. However, there is a huge risk factor that isn’t discussed often… Rideshare and Delivery Driver Insurance. When you drive or deliver for one of these services, you may not be as covered as you think when it comes to your [...]

2022-02-14T13:58:02+00:00January 30th, 2022|

Child Passenger Safety Week 2021

Child Passenger Safety Week is September 19-25 Make Sure Your Child is in the Right Seat Gannon Associates Insurance announced today that it is working alongside the U.S. Department of Transportation’s National Highway Traffic Safety Administration (NHTSA) for Child Passenger Safety Week, September 19-25, 2021. The week is dedicated to educating parents and caregivers about the importance of correctly choosing, installing, and using car seats, booster seats, and seat belts. We at Gannon Associates Insurance know that life can get hectic. We encourage you to take an hour or so out of this [...]

2021-12-08T14:12:43+00:00September 18th, 2021|
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