Raymond Garraud

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Here are some ways you can reduce costs on your auto insurance policy.

Drop comprehensive and collision on older cars
Bundle with your home or renters policy
Raise your deductible
Maintain continuous coverage
Speak to your agent about discounts
Drive safely
Take a defensive driver class
Consider pay-per-mile insurance

If you're in the state of Virginia, contact me for a quote or insurance review at 757 479-6812 or fill out the form below.

Quote from Raymond Garraud, P&C Insurance Advisor Wufoo is a web form builder that helps anyone create beautiful forms, surveys and invitations without writing a single line of code.

A Quick Look at Business Insurance for Natural Disasters With earthquakes in California and Hurricane Barry striking states along the Gulf of Mexico and in the Midwest, small business owners should examine their insurance policies and determine how well covered they'd be in the event of a disaster.

For both auto and home insurance, there’s a maximum coverage limit for liability. That limit may not be enough to protect you against the worst-case scenario. That’s where an umbrella policy comes in. The umbrella policy covers losses that exceed the limits of either your auto or homeowners policy.

For example, if you have an auto policy with $250,000 in bodily injury liability coverage and a home insurance policy with $300,000 in bodily injury liability coverage, a $1 million umbrella policy can extend the coverage limits to $1,250,000 and $1,300,000, respectively — and the increased coverage is more affordable than you might think.

The main purpose of your umbrella policy is to protect your assets from an unforeseen event, such as a tragic accident in which you are held responsible for damages or bodily injuries. If another party files a lawsuit against you, your umbrella coverage will pay for the damages you're legally responsible for up to the policy limit.

Expect to pay about $250 to $400 per year for a $1 million umbrella policy, the difference in rates are often due to rating factors

Contact me for a quote

Quote from Raymond Garraud, P&C Insurance Advisor Wufoo is a web form builder that helps anyone create beautiful forms, surveys and invitations without writing a single line of code.

Recently, WalletHub analyzed the teen driving environment in each of the 50 states using 23 key metrics, including number of teen driver fatalities, average cost of car repairs and presence of impaired driving laws.

Maryland, New York, Massachusetts, Louisiana and Texas earned top spots as the country’s five safest states for teen drivers — which states were named the worst? Check out the article.

2019’s Best & Worst States for Teen Drivers 2019’s Best & Worst States for Teen Drivers Jun 26, 2019  |  Adam McCann, Financial Writer 420 SHARES Getting a driver’s license is considered a rite of passage in American culture. But this exciting coming-of-age has instead become a death sentence for thousands of teens each year. Motor-ve...

A Homeowner policy's hurricane deductible is distinct from the deductible for other sorts of damage to your home and usually goes into effect when a storm is categorized as a hurricane by the National Weather Service — or, in some cases, when a storm is named, even if it doesn’t become a hurricane.

Nineteen states including Virginia have hurricane deductibles.

Quote from Raymond Garraud, P&C Insurance Advisor Wufoo is a web form builder that helps anyone create beautiful forms, surveys and invitations without writing a single line of code.

Your home is probably your most valuable investment, which is why you have a homeowners insurance policy to protect it. Understanding what your homeowners policy will and won’t cover in the event of a hurricane is important.

Call or inbox me for a no obligation review of your Homeowner policy (757) 479-6812.

FEMA urging Hampton Roads residents to prepare for hurricane season now During Hurricane Florence last year, the dangerous storm surge and high tide caused flooding in normally dry areas near the coast, and this year, NOAA is predicting 4-8 hurricanes, including 2-4 storms category 3 or higher.

The Allstate America's Best Drivers Report® is an annual report that identifies which of the 200 largest U.S. cities have the safest drivers. Check it out!

#46 Chesapeake, VA
#66 Virginia Beach, VA
#122 Norfolk, VA

America's Best Drivers Report

That Texting-While-Driving Ticket Can Also Lead to a Car Insurance Penalty Many insurers charge the penalty for three years after the violation, meaning you’ll be paying the price long after the check for your ticket has cleared.

Insurance isn't the most thrilling to think about, but it's necessary for protecting yourself, your family, and your wealth.

Accidents, illness, and disasters happen all the time. At worst, events like these can plunge you into deep financial ruin if you don't have insurance to fall back on. Some insurance policies are unavoidable (think: car insurance in most US states), while others are simply a smart financial decision (think: life insurance).

July 14-21

Norfolk Restaurant Week – Summer 2019 NORFOLK, Va. (WAVY) – Norfolk Restaurant Week begins this Sunday from July 14 to 21, and dozens of restaurants are participating in the event. Visit your favorites at Downtown Norfolk or disc…

Know the facts...

8 auto insurance myths | III When purchasing an auto policy, it’s important to understand the factors that affect your policy costs and coverage. Unfortunately, there's a lot of bad information that passes for "common wisdom"—here, we separate myth from facts about car insurance.

Don't be that guy...

Virginia residents, get a no obligation review of your current auto insurance policy.

Insurance Quote from Raymond Garraud Wufoo is a web form builder that helps anyone create beautiful forms, surveys and invitations without writing a single line of code.

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