Determining the Lowest Premium

Brian H. Merriam, CPCU, ARM, AAI, President

376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 201
(877) 637-7426 x 201

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Brian H. Merriam, CPCU, ARM, AAI, President

Latest posts by Brian H. Merriam, CPCU, ARM, AAI, President (see all)

Many times people who call me for car insurance quotes are satisfied just by hearing the “cost per month.” It seems simple: Determine the lowest total cost, and you know what you are getting into. But in fact, hidden costs can lurk beneath the surface. Here are some questions to...

Auto Insurance covers more than you think!

James Dick, CPCU, AAI

Sales Manager at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 219
(877) 637-7426 x 219

Send Email
James Dick, CPCU, AAI

Latest posts by James Dick, CPCU, AAI (see all)

Do you drive your own car for work or volunteer activities? If your answer is yes, how does your insurance work in the event of an accident? It could be argued that the only reason you were on the road at that time is because you were representing that work...

How Much “Property Damage Liability Insurance” Should I Purchase for my Car?

James Dick, CPCU, AAI

Sales Manager at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 219
(877) 637-7426 x 219

Send Email
James Dick, CPCU, AAI

Latest posts by James Dick, CPCU, AAI (see all)

Bodily Injury Liability on my Car Insurance

James Dick, CPCU, AAI

Sales Manager at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 219
(877) 637-7426 x 219

Send Email
James Dick, CPCU, AAI

Latest posts by James Dick, CPCU, AAI (see all)

I dare you to work the phrase “bodily injury” into normal conversation. Fortunately, the concept is quite straightforward, even if it does have an uncomfortable ring to it. “Bodily Injury” appears on a car insurance policy in the phrase, “Liability for Bodily Injury – Per Person and Per Accident.” In insurance, “bodily injury”...