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Do you need a Will?

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Here's Why You Need One I get it. No one likes talking about Wills because no one likes thinking about death—and I don't blame you. The world feels heavy and we all need an escape from the endless onslaught of doomsday scenarios and daily responsibilities. However, this mindset about Wills has led many of us to fail to create one, despite it being ...

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Misconceptions About Homeowner’s Insurance: Misconception – Your Home is Insured for Its Market Value

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One misconception about homeowner's insurance is whether or not your home is insured for its market value. Now we need to learn whether your home is insured for what it would cost to rebuild or its market value. This is an extremely common misconception among homeowners and can be devastating to expect a large amount of money for an insurance claim...

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Misconceptions About Auto Insurance: Misconception – Personal Auto Insurance Also Covers Business Use of Your Car

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Now another big misconception is that people believe that personal auto insurance also covers business use of your car. Now personal car insurance is just that, personal. Now if you use your personal vehicle for professional use like Rideshare. You're driving Uber or Lyft or anything like that or company travel, your personal policy may not cover i...

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Misconceptions About Auto Insurance: Misconception – The Law Only Requires You to Have Only the Minimum Amount of Liability Coverage

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Another misconception about insurance is that the law only requires you to have the minimum amount of auto liability insurance. Now nearly every State requires that you buy a minimum amount of auto liability coverage, but buying only the minimum amount of liability means you're likely to pay more out of pocket for losses incurred after an accident....

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Misconceptions About Auto Insurance: Your Insurance Will Cover You If Your Car Is Stolen or Vandalized

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Another misconception about insurance coverage is that, people think that your insurance will cover you if your car is stolen, vandalized or damaged by a falling tree, limbs., hail, flood, fire things like that. Now this is only true, if you opt for comprehensive and collision coverage along with your standard policy. If your car is worth less than...

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Misconceptions About Auto Insurance: Misconception – Insurance Policies Are the Same Across All Carriers

Now there are a few misconceptions about auto insurance. Now many people assume that insurance policies are the same across all carriers. Now this could not be further from the truth. While many carriers offer similar policies. The quality and specifics of the coverage will vary depending on the company. Now for instance, the underwriting experience, the coverage limits, the policy customizations, the premiums, the claims management, the strategy of the insurance carrier just might be completely different from the competitors. This is why it’s so important that your insurance broker me, research all of your insurance options before choosing a carrier. Now treating all insurance companies as the same could mean that you’re paying more for less coverage not to mention a possible bad experience. Another misconception is that your car color determines the price of auto insurance. Now it doesn’t matter if your car is candy apple red, hide in plain sight white or big bird yellow. The color of your car doesn’t actually factor into your auto insurance costs. The price of your policy is based on many factors. Like the car make, the model, the body type, the engine size, the age of the vehicle as well as the car sticker price. The cost to repair it, overall safety record and a likelihood of theft. Insurers also take into account the age driving record and sometimes the credit history of the driver. Another misconception is that the cost of insurance is more as you get older. That’s quite the opposite. In fact, older drivers may be eligible for specific or special discounts. For example, those over 55 years of age can get a reduction in their auto insurance premiums if they successfully complete an accident prevention course for example. I mean those are available through local and state agencies as well as motor clubs like AAA or you know AARP you know places like that. Retirees or those who aren’t employed full-time and therefore who don’t drive a lot, you know they drive a lot less. They may also be eligible for car insurance discount. Now older driver program discounts they vary by state and insurance carriers and of course again the driver’s age. So, if you think you may qualify, check with me and I’ll be able to help you out. Further another misconception about insurance is that your credit score has no effect on your insurance rate. Now your credit-based insurance score which is derived from your credit history may indeed matter. A good credit score demonstrates how well you manage your financial affairs and has been shown to be a good predictor of whether someone is more likely to file an insurance plan. So, many insurance companies take into consideration when you want to purchase when you want to change or renew your auto insurance coverage. Now people with good credit and therefore good insurance course, often end up paying less for insurance.

Now there are a few misconceptions about auto insurance. Now many people assume that insurance policies are the same across all carriers. Now this could not be further from the truth. While many carriers offer similar policies. The quality and specifics of the coverage will vary depending on the company. Now for instance, the underwriting experienc...

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Welcome to the Savage Family Office

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Unexpected legal questions arise every single day. And with LegalShield on your side, you'll have access to quality law firms for covered personal situations even 24 hour a day seven day a week access for emergency situations, right. Now let's be honest. Legal issues get expensive, time is valuable and at up to $500 per hour for an attorney's advic...

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The Inspiration Behind Savage Family Office

The Inspiration Behind Savage Family Office

I was asked to share my why. Inspired by my dad's blue-collar work ethic. For 38 years of my life, I watched him grind. His work ethic inspired me to grind and never give up when challenges got tough. And now that I'm a father of three, my why is to leave the pile higher for them. That means establishing a lasting legacy of generational wealth to w...

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Misconceptions About Legal Service Plans: Misconception #1 – Legal Service Plans Serve as Malpractice Insurance for Attorneys

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All right, there's a misconception that legal service plans, it's malpractice insurance for attorneys. However, legal service plans improve access and affordability of attorneys for people just like you and I with legal issues. Now just like health insurance helps improve access and affordability of doctors for those dealing with medical issues. Le...

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Misconceptions About Legal Service Plans: Misconception #2 – Legal Service Plans Offer Limited Service Areas

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Another misconception is that there are limited coverage areas and that the attorneys have limited experience. Now LegalShield provides nationwide coverage for its members in all 50 states and all provinces in Canada. That means, a member living in one state can have access to legal assistance and another. The attorneys have an average of 22 years'...

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We're proudly located in the Washington/Baltimore metro area in Ellicott City, MD. 

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