Suburban Insurance Independent Agency

Affordable Car Insurance Options

Mon, 27 Mar 2023 12:00:07 GMT

According to Autoblog Progressive is typically about 7% cheaper than the national average.

We are proud to offer Progressive Insurance as an independent insurance agent, and according to Autoblog, Progressive car insurance is an affordable option for most drivers. The insurer is typically about 7% cheaper than the national average.

High-Risk Drivers

In the Autoblog study of the industry’s best car insurance companies, they rated Progressive as the insurer with the Best Rates for High-Risk Drivers. Drivers with a recent DUI / OVI, speeding tickets, or at-fault accident can expect lower rates with Progressive than other insurers.

How do Ohio & PA Rate for Costs?

Progressive categorizes each state into one of three groups: low-cost, medium-cost, and high-cost. Ohio is one of the lowest-cost states, and PA rates as medium-cost for Progressive Insurance.

Price Check

Call us for a no-obligation price check for your auto insurance through Progressive or one of our other providers. We will give you the best coverage for the most affordable price.

330-799-9739

Homeowners Quality Protection

Fri, 17 Mar 2023 23:45:00 GMT

Home Insurance Coverage & Discounts

The Western Reserve Group offers competitively priced homeowners insurance to meet our customers' needs. It is one choice of our many providers. Give us a call to find the best home owners insurance policy for your home.

Policies include the following coverages:

Dwelling Coverage
Coverage for "Other Structures"
Contents Coverage
Loss of Use
Personal Liability
Medical Expenses for others

Listed below are some Optional Coverages for a nominal charge:

Assisted Living Care
Earthquake
Home Business
Homeowner Equipment Breakdown
Other Member of your Household
Personal Cyber and Identity Fraud Coverage
Personal Injury
Personal Property Replacement
Refrigerated Property
Scheduled Personal Property
Service Line
Special Computer
Water Backup and Sump Discharge or Overflow
Watercrafat

Customers may qualify for the following discounts:

Advance Quote
Automatic Backup Generator
Multi-Policy
New Home
Protective Device (Fire and or Burglar)
Mortgage Free

The Western Reserve also offers coverage for condominium owners and renters.

Call us for Western Reserve Group for personal, farm, and commercial insurance products.

Grange Insurance Expanding in 2023

Mon, 06 Mar 2023 13:30:00 GMT

Grange Insurance Expanding its Research and Development

Grange insurance was founded in 1935 and is based in Columbus, Ohio. Grange, one of our insurance providers, offers auto, home, life, and business insurance protection. Grange is committed to driving innovation and economic development in Ohio.

Ohio Based lnsurance Expanding

Since 2019, Grange has developed a vital infrastructure for innovation. Grange's innovation team has reviewed over 700 technologies, including 30 proof-of-concept and pilots, leading to several new capabilities.

Grange Insurance VP Innovation Officer Brent Hammer said, "...Our expanding innovation efforts that will grow our team and business and enhance speed and convenience for agents and customers in the best way possible."

All these advancements keep our customers leading the parade in the insurance industry.new ways we can help

Give us a call to learn more about how we can help you get the best coverage and best price possible.

How is Home Insurance Calculated?

Mon, 27 Feb 2023 14:07:45 GMT

Things to Consider When Determining Coverage

Home insurance premiums are a significant expense, and the factors that go into them can be complicated. Let us help you navigate this maze of insurance information. Insurers use loss data claims and construction cost data to look at everything from the weather in a particular ZIP code to replacement costs.

Estimate the Cost of Rebuilding Your Home. To ensure you’re entirely covered in the wake of a catastrophe, you’ll want your policy’s limit to be high enough to cover the cost of rebuilding your home from the ground up.
Estimate the Value of Your Personal Belongings. The best way to gauge your personal property coverage is to inventory personal property coverage to cover the value of all your personal belongings, including your clothes, furniture, electronics, and jewelry.
Determine Your Assets Common liability claims include slip and fall injuries, dog bites, and accidents. Medical bills, legal fees, and lawsuits can be expensive and can put all of your assets at risk. Have enough personal liability insurance to cover the combined value of everything you own.
Things to Consider When Determining Coverage

Your Dwelling
Other Structures
Personal Property
Loss Of use
Personal Liability
Medical Payments

If this sounds overwhelming and confusing, call us, and we will guide you to the best policies for you.

Best Small Business Insurance

Mon, 13 Feb 2023 14:00:01 GMT

Coverage for All Types of Businesses

Business insurance is necessary for your small business to avoid unexpected costs and big payouts. Suburban Insurance Agency will provide the type of insurance needed, specifically for small and medium-sized businesses and professionals.

There are many kinds of business insurance we can provide:

General Liability - Small business liability insurance will protect your business from any claims that might come against it.
Professional Liability - Professional indemnity, errors, and omissions, or malpractice insurance, protects professional service providers against civil lawsuits.
Commercial Automobile Insurance - is essential for businesses to cover first-party and third-party damages. Most states require companies to have commercial auto insurance if vehicles are used for business purposes.

Property Insurance - Commercial property will protect your commercial property, including buildings, equipment, inventory, and all other physical assets of a business.
Business Interruption Insurance - You will be covered if your business becomes interrupted for various reasons.

Be sure to be covered with enough insurance to mangage your business correctly. Email us to find out what your insurance coverage should be. sia@suburbaninsagency.com

Llife Insurance as a Single Parent

Thu, 02 Feb 2023 15:15:21 GMT

Answering Questions About Life Insurance for a Single Parent

If you are a single parent, you may have some questions about life insurance.
It is more important than ever to protect your children.

Do I need life insurance as a single parent?
Everyone needs life insurance, but single parents have a greater need.

What does life insurance cover?
It will cover your children's and dependents' expenses like house payments or rent, debt, education, end-of-life costs, living expenses, childcare, etc.
How much life insurance should a single parent carry?
That will depend on some of the items covered in the last question and your unique family's needs.

How to choose a beneficiary?
It can be the other parent or someone else you trust. You can have that same person receive the money, or you may have a trusted person or professional manage your dependents' estate.

What type of life insurance should a single parent have?
Term life insurance is a great option and can be budgeted. Term policies are flexible, easy to understand, and affordable. Whole life may be an option if you have a higher income.

Call us to find out what type of insurance is best for your family. 330-799-9739

Ridesharing gap coverage available at Suburban Insurance Agency

Thu, 08 Oct 2020 00:31:00 GMT

Where can you get ridesharing gap insurance coverage?

Ridesharing gap coverage is available at Suburban Insurance Agency in Youngstown, Ohio. The insurance coverage is for drivers who use their personal vehicles to transport passengers with companies such as Uber and Lyft.

Uber and Lyft provide up to $50k in liability which is likely a fraction of the clients total coverage. Ridesharing gap coverage will fill in the missing coverages from your personal policy. The ridesharing gap coverage includes medical payments, physical damage, and much more.

What is ride sharing?

Similar to a taxi service, you can request a ride to and from a location, whether its your home, a restaurant, or an event. Rather than calling a taxi, you use a mobile app to request and pay for a ride. The driver uses his personal vehicle to escort you to your destination. Because of this, drivers often have trouble finding carriers that will fully insure them. Ridesharing gap coverage offered at Suburban Insurance Agency provides drivers the coverage drivers need.

Who is eligible?

Ride sharing gap coverage is eligible for transportation network company drivers that transport people, and goods. Typically these drivers work for companies such as grubhub , doordash , Uber , UberEats , and Lyft .

When does the ridesharing gap coverage apply?

Ridesharing coverage applies when a driver is waiting for a ride request.

Uber and Lyft provide full coverage insurance once the driver accepts, picks up, and delivers a passenger to their destination. This creates a gap in coverage while drivers are waiting for a ride request. This forces drivers to pay out of pocket for costly damages and/or medical expenses. Ridesharing coverage would fill this gap and provide drivers with full protection from the moment they turn on their mobile ridesharing app.

Understanding Ride Sharing Coverage Video

Get a Ridesharing Coverage Quote Today!

The post Ridesharing gap coverage available at Suburban Insurance Agency appeared first on Suburban Insurance Agency .

Business and commercial auto insurance

Mon, 31 Aug 2020 02:02:00 GMT

Business and commercial auto insurance, What is the difference?

Business and commercial auto insurance sound like the same thing, but there are some important differences.

“A business auto insurance policy provides coverage for a company’s use of cars, trucks, vans, and other vehicles while carrying out its business. Coverage may include vehicles owned or leased by the company, hired by the company, or employee-owned vehicles used for business purposes. A BAP covers both liability and damage. A business automobile policy is also known as a business auto coverage form (BACF).” ( Investopedia)

A commercial auto insurance policy refers to any vehicle used for the purposes of transporting a person or goods to a location, or for bring tools and equipment to and from a work site. “Commercial vehicles may be fleet vehicles , company cars , or other vehicles used for business. Vehicles that are designed to carry more than 15 passengers are also considered a commercial vehicle.” ( Wikipedia)

So basically, the main difference is that a business auto insurance policy covers the vehicles a company uses while carrying out its business and commercial auto insurance policy covers specialized vehicles that perform specific tasks on the job. Specialized auto insurance for vehicles like cement trucks, tractor-trailers, delivery trucks,and company vehicles.

If you’re still unsure about the differences between commercial and business auto coverage’s, call us today at Suburban insurance agency and we can give you some information relevant to your business or visit us on the web.

If you are ready to get a quote you can fill out our on line form and we will be happy to respond with a hassle free quote .

The post Business and commercial auto insurance appeared first on Suburban Insurance Agency .

Saving by Bundling Auto and Home Insurance?

Tue, 28 Jul 2020 21:51:00 GMT

How to Save by Bundling Auto and Home Insurance?

Bundling Auto and Home Insurance is a common discount that generally gives you a price break on your insurance policies. The most common way to save money on your insurance is by bundling your auto and home insurance with one company but you can also save by bundling auto and renters. It all depends on your circumstances but the possibilities are endless.

What are the Advantages of Bundling Auto and Home Insurance Policies?

“Bundling policies under one carrier isn’t only easier, but it actually is a lot cheaper. Most people save an average of 10-20% on their policies by bundling with Suburban Insurance .” said Ralph at Suburban insurance agency . Why should you bundle your insurance policies? Saving money on your insurance policies is a strong motivator, of course, but it’s not the only reason you should consider bundling Although there is a great advantage for buying multiple policies with one provider; you also benefit from paying only one deductible on a claim that otherwise would involve multiple carriers. Another good reason to bundle insurance policies is that it could potentially be a safety net. For example, if your driving record takes a turn for the worse or you’ve made auto insurance claims, having all your bundled with one provider it would be a lot less likely for the insurance company to drop you.

Why do Providers Offer Discounts for Bundling Auto and Home Insurance Policies?

The main reason providers offer discounts for bundling insurance policies, is it tends to bolster customer satisfaction: “A 2012 J.D. Power & Associates study found that customers were substantially more content when they purchased home and auto coverage from the same provider.”(Nasdaq)

Customer satisfaction translates into longer policy life with providers. Customers who bundle are much more likely to stay with their providers for long periods of time. According to the J.D. Power study, 46% of bundle customers say they “definitely will” renew with their provider vs. 28% of non-bundle policyholders.

Where can you get the best rates on bundling insurance policies in Youngstown, Ohio?

You can get the best possible rates and savings on your auto and home insurance policies at Suburban Insurance Agency , Located in Youngstown, Ohio.

The post Saving by Bundling Auto and Home Insurance? appeared first on Suburban Insurance Agency .

Roadside Assistance through Grange Mobile- Suburban Insurance Agency

Mon, 20 Jul 2020 18:56:00 GMT

Roadside Assistance through Grange Mobile- Suburban Insurance Agency

Roadside Assistance through Grange Mobile

Auto insurance customers with Grange Insurance can now request roadside assistance directly through their Grange Mobile app. The digital experience includes real-time GPS tracking of the service truck to the customer’s location, so you can rest assured that help is on the way.

With the new optional Roadside Assistance coverage, Grange policyholders will receive help with the most frequent types of roadside emergencies, including engine trouble, battery issues, running out of fuel, getting locked out of the vehicle, having a flat tire and needing a tow to the nearest repair facility.

What is Grange Roadside Assistance Coverage?

Grange Road Side Assistance Coverage is insurance offered at three coverage levels, and customers can choose the Roadside Assistance Coverage that best meets their needs. For example, higher coverage levels provide towing over greater distances, more advanced locksmith services, lodging expenses, airbag replacement and trip interruption coverage. Speaking with your agent about your needs will help you determine the best Road Side Coverage for you.

How Do You Use the Grange Roadside Assistance?

To use the service, Grange policy holders who have the Roadside Assistance Coverage must first download the Grange Mobile app, available for both iPhone and Android devices. During a roadside emergency, policy holders can use their app to either click to call a customer service representative or choose to complete a fully-digital request for roadside assistance via the app.

Is there an independent agent in the Youngstown, Ohio area, that specializes in Grange Insurance?

Yes, there are a few independent agents in Youngstown, Ohio. Suburban Insurance Agency is located in the Youngstown,Ohio area and they work with Grange insurance to get customers the best possible coverage for each individual and family.

Where can you download the Grange Mobile App and get started using the Roadside Assistance?

You can download the Grange App and start using the Roadside Assistance Feature by downloading the app from the itunes app store or Google Play.

Get the Grange Mobile App Android or Get

Get the Grange Mobile App on Itunes

Is there a video about Grange Roadside Assistance?

Yes there is a video about the Grange Roadside Assistance App.

The post Roadside Assistance through Grange Mobile- Suburban Insurance Agency appeared first on Suburban Insurance Agency .

Affordable Teen Drivers Insurance

Sun, 28 Jun 2020 22:52:00 GMT

When your snugglebear stops playing with toy cars in the bedroom and starts the ignition on a real car in the driveway, it’s time to start thinking about two big things: safety and insurance.

It’s true. Auto insurance rates tend to go up when you add a teen driver onto your policy or purchase a separate policy for a teenage driver. This is because teens are among the most high-risk drivers on the road today, racking up more traffic citations, having more driving accidents and filing more insurance claims than other drivers.

If you’re like most parents, you may be asking yourself these important questions right now:

How am I going to keep my teen safe on the road?

How can I lower the cost of insuring a teenage driver?

let’s get started and help you find the answers!

Some states require teens to complete a driver’s education course from a state-approved instructor or organization. Some states don’t. Either way, it’s highly recommended that your teen driver completes a driver education course to better learn the rules of the road and how to stay safe.

Another thing that varies state-by-state is teen driver regulations, so be sure to learn yours. Teen driver regulations typically include rules such as driving only at certain times of the day or night, having only a certain number of passengers in the vehicle or making sure there’s a driver of a certain age in the vehicle at all times.

If your state doesn’t have these regulations, you can still enforce your own rules if you don’t feel that your teen is ready for certain situations like driving at night with friends or making a long-distance road trip, since any of these could increase the risk of a new driver having an accident. There are also mobile apps that parents can download to monitor their teen’s driving behavior, including things like speeding, braking too hard or accelerating too fast.

Make it even easier to enforce your rules by making it clear to your teenage driver that he or she is driving a “family” car, instead of a personal vehicle. This will allow you to better set rules for how the car can be used.

Finally, talk to your teen driver about the dangers of distracted driving and check out new technology that can disable texting and social media on cell phones while the car is in motion. Be sure to coach your teenage driver on how to remain aware while driving, avoid distractions and assess potential risks while operating their vehicle.

Even after your teen receives a driver’s license, you may want to periodically be a passenger in their vehicle to continue to help coach their driving behaviors and keep them on the right track

Lowering your insurance costs

As soon as your teen receives a learner’s permit, notify your Independent agent, who can start guiding you through the process of insuring your teen driver. Typically, your insurance carrier won’t list your teenager on the policy until he or she is a licensed driver, but it’s good to keep your agent in the loop in case your carrier has specific rules for insuring a driver with a learner’s permit.

Generally, you’ll need to add your teen as a driver on your own car insurance policy, and this tends to cost less than buying a separate policy, to. Your teen can typically have his or her own insurance policy if the vehicle is titled in his or her name. But since many states won’t allow drivers under age 18 to title their own vehicle, your only option may be to add your teen onto your own policy.

While you have your agent’s ear, ask him or her about additional ways you may be able to save money while insuring your teen driver, such as:

A multiple vehicle discount if you’re insuring multiple vehicles, including your teen’s car, with the same insurance carrier.

A good student discount if your teenager excels in the classroom.

Increasing your deductible to pay lower premiums. Just make sure you can afford to pay the higher deductible out of-pocket in the event of an auto claim.

Making your teen driver an “occasional” or “pleasure-only” driver on your policy – instead of a primary driver – if they are away at school or college without the vehicle.

Having your teen drive a vehicle that costs less to insure.

Typically, these are more affordable vehicles with high safety ratings, instead of flashy, sporty, expensive or higher horsepower vehicles which can cost more to insure. Groups like the Insurance Institute for Highway Safety (IIHS) publishes a list of safe, affordable cars for teenagers each year. In general, larger, heavier vehicles are safest.

Furthermore, explain to your teen driver the importance of keeping a clean driving record. The more traffic infractions and at-fault accidents they have, the more points they accumulate and it’s more likely their auto insurance rates will increase, too.

Teen drivers can also expose their families to costly personal or property damage lawsuits if they cause damage that falls beyond the covered limits in the car insurance policy. With this in mind, you may want to raise your liability limits now or look into umbrella coverage to protect your family’s assets in case it’s ever needed.

But the good news is that without any major moving violations or accidents, the cost to insure a teenage driver can steadily decrease over time. So, if you and your teen always put safety first, then you can worry less about keeping them safe and insured.

The post Affordable Teen Drivers Insurance appeared first on Suburban Insurance Agency .

Auto Insurance In Ohio

Mon, 01 Jun 2020 16:17:00 GMT

Who offers the cheapest auto insurance rates in Ohio?

Cheap car insurance in Ohio isn’t always easy to find. Prices vary quite a bit depending on the insurance company you get a quote from, as well as personal factors such as your age, driving record and credit history. Generally, for a driver to obtain the best rates it’s a good idea to obtain quotes from at least three companies before deciding which to insure with.

Suburban Insurance Agency in Youngstown, Ohio has researched rates from the largest insurance companies in the state. We compared quotes at 10 insurance companies using five different types of drivers and found that Grange, Erie, and Statefarm had some of the top three cheapest auto insurance rates for our researched driver groups.

What were the five different types of drivers researched for the cheapest auto insurance in Ohio?

Suburban Insurance agency researched auto insurance rates for five different types of drivers that included: good drivers, young drivers, drivers with one at-fault crash, drivers with poor credit and retired drivers.

What was the average auto insurance quote for good drivers in the state of Ohio?

The average auto insurance quote for good drivers among the three cheapest insurers was about $684 per year according to our research. Grange and Erie had the two cheapest prices with almost identical rates, followed by State Farm.

What was the average auto insurance quote for young drivers in the state of Ohio?

Suburban Insurance agency researched the rates of young drivers who are carrying the minimum required coverage and found that Grange offered the lowest rates at $258 a year, followed by Erie and State Farm.

What was the average auto insurance quote for young drivers with one at fault crash in the state of Ohio?

Motorists involved in an accident almost always will see a price increase in an insurance policy quote or renewal. Our research was inconclusive since auto insurance companies often have very different rates for the drivers’ accident and the circumstances surrounding them.

What was the average auto insurance quote for drivers with poor credit in the state of Ohio?

“Many insurers consider credit-based insurance scores a useful indicator of how likely customers are to file future claims. This explains why people with poor credit tend to have trouble getting cheap car insurance in Ohio.

Grange had the lowest rate at $890 a year. That’s $331 more than the cheapest price we found for drivers with good credit and $107 higher than the best deal available for those with an at-fault crash.”

What was the average auto insurance quote for retired drivers in the state of Ohio?

Suburban Insurance Agency collected rates for retired drivers who use their car 50% less during the year than the other researched groups. The lowest average quote was $477 from Erie, $82 cheaper than the best deal we found for 30-year-old good drivers who commute daily. Grange and State Farm were the next cheapest options, respectively. One should keep in mind that although Erie offered the cheapest rates for this study, many different factors determine the final auto insurance quote. We found that typically Grange Insurance company offered the cheapest rates for Ohio drivers.

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