Insurance For the People
Welcome to The Adona Agency Blog, your go-to resource for understanding insurance. We break down coverage options, help you navigate policy decisions, and show you why having the right agent matters. Our goal is simple: to give you clear, practical insights so you can make informed choices with confidence. No confusion, no stress, just the knowledge you need to protect what matters most.
Tips to help our Community!
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Why Your Auto Insurance Rate Went Up (Even If You Have a Perfect Driving Record)
So, you opened your latest insurance bill, and bam—your premium went up. You haven’t gotten a ticket, haven’t filed a claim, and you drive like an absolute angel. So why are you paying more? You’re not alone. Auto insurance rates have been rising for a lot of drivers, even those with spotless records. Let’s break down why this happens and what you can do about it.
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Replacement Cost vs. Actual Cash Value: What’s the Difference in Your Insurance Payout?
Insurance can feel like a different language sometimes, and one of the biggest head-scratchers is how much you'll actually get paid if you ever file a claim. Most people assume their insurance will simply cut them a check for whatever they need to replace a damaged item, but that’s not always the case. The difference between Replacement Cost (RCV) and Actual Cash Value (ACV) could mean thousands of dollars—so let’s break it down in a way that actually makes sense!
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Driving in Oregon’s Winter: Are You Covered for Snow and Ice Accidents?
Winter in Oregon is a wild ride—literally. One minute it's raining, the next it’s snowing, and suddenly you’re sliding through an intersection with your coffee in mid-air. So, let’s talk about how your auto insurance keeps you covered when winter roads get sketchy.
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Does Your Business Need Extra Coverage for Winter Storms?
Oregon business owners, let’s talk winter. Rain, wind, ice, and power outages can throw a wrench in your day, but the right insurance coverage can keep things running smoothly. Here’s what you need to know before the next storm rolls in.