As long as you plan not to die! Here's a great, balanced, non-sales article:

"Life insurance actually isn't right for everyone. If no one else is depending on your income, it's not a must-have for you (though a little could help pay for your funeral expenses). But if you help support a household or have dependents, you probably need coverage". - read more AOL/Motley Fool

Be aware of how to get unbuckled quickly if need be -- it saved this young woman in England (remember when you look at the picture that the driver is on the right-hand side there). I'm conscious of this when I mow the steep banks next to my pond. Getting unbuckled quickly could save you. Best to think about it beforehand. 

(If this post doesn't bore you, I worry about you. But insurance is supposed to be boring, as in no surprises.)

You probably have auto liability coverage which is expressed this way: 100/300/100. Here's what it means: $100k of bodily injury coverage per person/$300k bodily injury limit per accident/$100k  of property damage. Here's what it really means: If you cause an accident and three people in the other car have $100k each worth of medical bills as a result and two $50k cars are destroyed -- you're covered. But, what if you hit a pedestrian and he requires $300k worth of medical care or you cause a tractor trailer to turn over carrying $300k worth of televisions? In either case, you're out $200k. Which may mean you lose the house. This is why I'm a big fan of combined single limit liablilty  (CSL) instead of split limit (like 100/300/100)  because in the last two examples you'd be covered fully with CSL. Technically, if everything breaks just right , you have $100k more in coverage with 100/300/100, but there's a reason CSL costs more than split limits -- when the worst happens it's more likely to be fully utilized. 

Remember, you can never have "enough" liability protection, but you do need as much as you can afford. We'd love to talk about it.

If you own property or have friends or family in Virginia  keep this in mind -- we hold a license for Virginia as well as for Tennessee and can write some lines of insurance there.

We have at least five companies that will write motorcycles and one of them is MUCH friendlier to the combination of high-performance bikes and young riders than the rest. Yesterday we saved a young man $800-$1000 a year! If you suspect you are paying too much for your cycle insurance, give us a call. We can also cover kit bikes, home-mades, customs, trikes...you name it.

Not me, just a guy who plays me on TV.

Just because your insurance company name has the four letters F-A-R-M in it, don't think you're automatically gettting a down-home good deal. We've saved lots of people big money by switching some or all of their policies from one of the F-word companies, one of which really sticks it to their better customers on auto. We've actually saved some customers almost 50% on their auto. And that's the truth.

The F-words are sometimes unbeatable on homeowners, sometimes not. The home policy is their anchor. They have you, then they profit from the auto. Worse, they seem to beat up their best customers the most -- those with good credit and good records. One thing I've learned, if someone has a feeling they are paying too much then they usually are paying too much. If you're in doubt, call me -- 865.435.7470.

The new site is live and we are pretty happy with it. Let us know what you think! Be sure to check out our community site www.tricountymerchants.com if you live in the Tri County area.