CRG Services, Inc.

04/11/2025

Looking to lower your car insurance premiums? Check your mileage! Driving less can often translate to savings. Also, check for student discounts, and good driving discounts.

04/09/2025

New car, new tech, new insurance considerations! Tech like advanced driver-assistance systems (ADAS) can impact your insurance rates. It's important to understand how these features affect your policy.

04/07/2025

Spring storms are here! Is your car insurance ready for hail damage, flooding, or fallen branches? Make sure you have comprehensive coverage to protect your vehicle from unexpected weather events.

04/04/2025

Phones down, eyes on the road! Distracted driving is a major safety hazard. Let's commit to safe driving habits. Your insurance rates (and lives) depend on it.

04/02/2025

Thinking about going electric? EVs are changing the game, and car insurance is adapting too. Understanding how EV insurance differs from traditional policies is crucial.

03/31/2025

Feeling the pinch at the pump AND with your car insurance? Inflation's hitting us all, and car insurance rates are on the rise. Let's talk about ways to save: bundling, safe driver discounts, and reviewing your coverage.

03/28/2025

Avoid surprises when closing the deal. Once you have agreed on the new car's price and financing, review the paperwork carefully. Make sure you understand all the terms and conditions before finalizing the purchase. Here’s what you need to know.

Car buying's final step — getting your contract in writing — is fraught with its own perils. Here's how to survive it and get the deal you want.

03/26/2025

Take the anxiety out of negotiations with advance preparation. This is where your new car and financing research comes in handy. You can negotiate the car’s price, add-ons, and warranties to get the best deal possible! Here’s how.

Negotiating the price of a car doesn't have to be a stressful experience. Follow these 5 tips when you’re ready to negotiate a better price for your new car.

03/24/2025

You found the perfect car! How are you going to pay for it? Once you’ve identified the car you want, you need to decide how to pay for it. You can pay in cash, or consider financing such as a car loan or lease. Here’s a guide to explore your options.

Shopping for a car? You have options other than paying cash.

03/21/2025

In the market for a new car? Before making a purchase, it's essential to do your research first! This includes identifying your needs and budget, and comparing different car models, their features, prices, and dealerships. Check out these handy car buying tips.

Buying a new car is an exciting experience, but it can be overwhelming and expensive if you don’t follow some simple rules.

03/19/2025

Consider the waiting period before disability payments begin. A longer waiting period saves you money, but it also means that you may have to live off your savings for a longer period. You are the best judge of how much of this risk you are comfortable assuming.

You also may want to coordinate the waiting period with any short-term disability benefits you could have. For example, if your short-term disability covers you for 90 days, look to have at least a 90-day waiting period so that you can potentially lower the cost of the long-term policy.

Ask how a policy defines an inability to work. Some policies will say “the inability to do any job or task;” others will say “own occupation.” You may prefer the latter definition so you’re not forced to perform some less-skilled, lower-paid work. That type of work may not help you meet your bills.

03/17/2025

When you purchase a personal disability policy, the benefit payments are structured to be income tax-free. Consequently, you may not be eligible for coverage that equals your current salary since your take-home pay is always less.

If your employer paid for your coverage, then the income you receive generally will be taxable. If you paid for a portion of the employer-provided coverage, then the pro rata amount of the benefits you receive are structured to be tax-free.