With the first day of school approaching, drivers can expect to encounter young children commuting to school for the first time in almost 3 months. Many drivers can be particularly unprepared for the increased road traffic, crossing guards, bicyclists and pedestrians during the morning and afternoon drive times.

What is the key difference between an Insurance Broker and an Insurance Agent?

An Insurance Broker can represent several insurance companies and can offer quotes from as many insurance companies as they do business with. An Insurance Agent works directly for one specific company and can only sell that company's policies.

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Just having auto insurance does not protect you from absolutely anything bad that might happen.

First, the insurance company needs to back up the claims that they make in the fine details of the contract.

If you have an accident, your auto insurance company will take a close look at your claim before mailing you a check.

And the check may be written for an amount much smaller than you had hoped for. For this reason, you should be familiar with the terms of your policy and call the insurance company with any questions you might have.