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	<title>Burch Insurance</title>
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	<description>Your Local Source for Insurance</description>
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		<title>Choices: Reason #1 Why We Should Talk.</title>
		<link>http://www.burchins.com/featured-articles/choices-why-you-should-talk-to-an-independent-insurance-agent/</link>
		<comments>http://www.burchins.com/featured-articles/choices-why-you-should-talk-to-an-independent-insurance-agent/#comments</comments>
		<pubDate>Wed, 13 May 2009 05:57:12 +0000</pubDate>
		<dc:creator>Josh</dc:creator>
				<category><![CDATA[Featured Articles]]></category>

		<guid isPermaLink="false">http://www.burchins.com/?p=341</guid>
		<description><![CDATA[As an independent insurance agent I have one very distinct advantage over my &#8220;captive&#8221; competitors: I have a wide variety of choices I can offer my clients when it comes to finding the best insurance.

What&#8217;s a captive agent?

A &#8220;captive&#8221; agent is an insurance agent that works exclusively for one company, such as State Farm and [...]]]></description>
			<content:encoded><![CDATA[As an independent insurance agent I have one very distinct advantage over my &#8220;captive&#8221; competitors: I have a wide variety of choices I can offer my clients when it comes to finding the best insurance.

<h2>What&#8217;s a captive agent?</h2>

A &#8220;captive&#8221; agent is an insurance agent that works exclusively for one company, such as State Farm and American Family. Respectable companies, but because their choices are limited you may not always get the type of coverage you need with an affordable premium to match.

<h2>Saving money and time with and independent agent</h2>
With the current economy troubles right now just about everyone is trying to save money on their home and auto insurance coverage. Taking the time to shop around and find the right coverage and the most affordable rate can be time consuming. An Independent Agent that represents various carriers can help you cut time and save money by shopping your needs out to multiple companies to see who can best meet your needs. 

For example, bundling coverages like auto and home is sometimes a great way to take advantage of available multi-policy discounts. However, there are many instances where separating your policies with two different companies may actually be the best way to save money. 

This flexibility allows us to always keep you in the best policy at the best price. <a href="/about/contact-us/">Drop me a line</a> or use one of our <a href="/request-a-quote/">quoting tools</a> if you would like me to do some shopping for you.]]></content:encoded>
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		<title>Flood Insurance: Are you protecting your biggest investment?</title>
		<link>http://www.burchins.com/featured-articles/5-ways-to-save-on-home-insurance/</link>
		<comments>http://www.burchins.com/featured-articles/5-ways-to-save-on-home-insurance/#comments</comments>
		<pubDate>Tue, 12 May 2009 19:57:44 +0000</pubDate>
		<dc:creator>Chris</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[Tips]]></category>
		<category><![CDATA[Homeowners Insurance]]></category>
		<category><![CDATA[Savings]]></category>

		<guid isPermaLink="false">http://burchins.40digits.com/?p=332</guid>
		<description><![CDATA[A flood can happen quickly and cause a tremendous amount of damage. Recovering from a flood can be very costly, especially when you find out too late that the damage caused by a flood is not covered by your homeowners policy?! That is right, a standard homeowners policy does not provide coverage for flood damage. [...]]]></description>
			<content:encoded><![CDATA[A flood can happen quickly and cause a tremendous amount of damage. Recovering from a flood can be very costly, especially when you find out too late that the damage caused by a flood is not covered by your homeowners policy?! That is right, a standard homeowners policy does not provide coverage for flood damage. Coverage for damaged caused by a flood is provided by a Flood Insurance policy.

Contrary to popular belief, Flood insurance policies are not just for homes built in a high-risk flood zone. Coverage is available for residential properties in high, moderate and low-risk zones. Homes located in low and moderate-risk zones may be eligible for preferred rating.

Wondering if your home is a risk?… We can help. <a href="/about/contact-us/">Contact us</a> today to learn more about how flood insurance can help protect your biggest investment. ]]></content:encoded>
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		<title>“I got a speeding ticket… Will my auto insurance premium increase?”</title>
		<link>http://www.burchins.com/featured-articles/speeding-ticket/</link>
		<comments>http://www.burchins.com/featured-articles/speeding-ticket/#comments</comments>
		<pubDate>Tue, 12 May 2009 19:42:18 +0000</pubDate>
		<dc:creator>Chris</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[Tips]]></category>
		<category><![CDATA[Auto Insurance]]></category>
		<category><![CDATA[Premiums]]></category>
		<category><![CDATA[Savings]]></category>

		<guid isPermaLink="false">http://burchins.40digits.com/?p=328</guid>
		<description><![CDATA[Simple question, right? Unfortunately, no. When you receive a speeding ticket your premium may increase… Then again, maybe it won’t. When your receive a speeding citation, your insurance company will commonly review your driving history, the length of time you have been insured, and how fast your were going before determining if you will pay [...]]]></description>
			<content:encoded><![CDATA[Simple question, right? Unfortunately, no. When you receive a speeding ticket your premium may increase… Then again, maybe it won’t. When your receive a speeding citation, your insurance company will commonly review your driving history, the length of time you have been insured, and how fast your were going before determining if you will pay more.

What is the best way to avoid paying more for a ticket? Slow down, drive safely, and avoid that ticket in the first place!]]></content:encoded>
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