Brya has been helping thousands in Champaign, Urbana, Savoy and Greater Southern Illinois with their insurance needs since 1955. Below are some of the tips we have gathered over the years.
Auto Insurance Tips
How do I get insurance for my teenage driver Is auto insurance mandatory? What does auto insurance typically cover? How are auto insurance premiums calculated? Can I customize my auto insurance policy? How do I file an auto insurance claim? Will my insurance rates increase after an accident? Do I need auto insurance if I'm renting a car? How can I save on auto insurance? Homeowners & Renters Insurance Tips
What does a homeonwer's policy typically cover? What does a renter's policy typically cover? How do I determine how much coverage I will need? What is a deductible and how does it affect my quote? How do I insure our high-value items in the home like jewelry, electronics, or art? Am I covered for flood or other natural disasters? How can I save on howeonwer's or renter's insurance? Life Insurance Tips
What types of life insurance are available, and which one is right for me? How much life insurance coverage do I need? What is the difference between term life and whole life insurance? How does the underwriting process work, and will I need a medical exam? Can I get life insurance if I have pre-existing health conditions? What factors determine the cost (premium) of life insurance? Can I adjust my coverage amount later if my circumstances change? What is the cash value component in whole life insurance, and how does it work? Can I convert my term life insurance policy to a permanent policy later? How does the beneficiary designation work, and can it be changed? Will my life insurance policy payout be taxed? How long does it take for a life insurance policy to pay out after a death? Motorcycle Insurance Tips
What types of coverage do I need for my motorcycle? How much does motorcycle insurance cost? What factors influence the cost of motorcycle insurance? What is liability coverage, and how much do I need? Does motorcycle insurance cover theft or vandalism? Do I need uninsured/underinsured motorist coverage? What is comprehensive coverage, and is it necessary for my motorcycle? Can I get coverage for custom parts and accessories on my motorcycle? How does the claims process work for motorcycle insurance? Are there any discounts available for motorcycle insurance? Can I bundle my motorcycle insurance with other policies for a discount? Do I need motorcycle insurance year-round, even if I don't ride in the winter? Can I transfer my motorcycle insurance to a new bike if I upgrade or replace my current one? Commercial Insurance Tips
What types of commercial insurance coverage do I need for my business? How is the cost of commercial insurance determined? Are there industry-specific insurance requirements for my business? What does commercial property insurance cover, and what are the coverage limits? What is included in general liability insurance, and how much coverage is recommended? Do I need workers' compensation insurance, and how does it work? Are there ways to save on commercial insurance premiums? What types of events or perils are covered under business interruption insurance? Do I need cyber liability insurance, and what does it cover? How can I protect my business from lawsuits, and what liability coverages are available? What is professional liability (errors and omissions) insurance, and do I need it? Is commercial auto insurance necessary for my business vehicles? What factors influence the cost of commercial auto insurance? How does umbrella insurance provide additional coverage, and when is it necessary? What is covered under a commercial crime insurance policy? Do I need directors and officers (D&O) insurance, and how does it protect my company's leadership? Are there insurance options for specific industry risks or specialized equipment? How does the claims process work for commercial insurance, and what should I do in case of a claim? Can I customize my commercial insurance policy to fit the unique needs of my business? What is the financial stability and reputation of the insurance provider? 