With all the different coverage’s involved in insurance sometimes the terms and definitions we use can confuse a person. Don’t every feel like you can’t call us or walk into our office and ask questions. There is no dumb questions when it comes to insuring you, rather it’s your life,home,auto or your business. That is what we are here for, to answer your questions and provide you with the best insurance for you and your needs. With over 95 years of experience we’ve heard every question coming and going and each one was equally important to us.
We here at Bray and Oakley do not want Maury having to look at your family and say this. Most people think that Life Insurance is just another expense in life and will take away from your family now. Don’t gamble and wait till it’s too late for you to take care of them. Make sure that they will be in good hands if something happens to you, it’s apart of being responsible and it’s the least you can do for them. Some people think having Life Insurance at work is enough but that usually only covers burial cost and it doesn’t follow you when you leave that job. Call us today and let one of our agents discuss getting you and your loved ones future in order. It doesn’t cost you anything for our advise and our promise is that we will do right by you and your family.
Often times when people are searching for insurance they search for things like “cheap car insurance” or “affordable insurance” in Lexington. At Bray and Oakley we understand that and we want you to save money too. We also want you to have a product that will cover you too in case your in an accident too.
Many insurances will cover your automobile for cheap even if you are a higher risk. The whole reason you have coverage though is because in case of an accident you want to be covered. When we say “accidents” that can be anything and that is typically when insurance companies start becoming different.
Some companies that are low cost for example will not cover a towing charge if you get stuck somewhere. Some companies won’t cover windshield cracks and damages. That’s why it is important to use us as an insurance agent and not get a quote offline.
Use Our Agency For Car Insurance Quotes In Lexington
Our agency has been in business for over 95 years now. Most people don’t know what they need when it comes to insurance. Sometimes you go with what you think is “cheapest” but a few months later they jack your rates up or they don’t cover your claim. We want you to use our knowledge and resources to find you the best rates with best coverage so at the end of the day you can rest easy and save money at the same time knowing whatever happens with you will be covered.
We are always a phone call or a small trip in the car away and we are always wanting to help our customers. The best part is our agency is like being in a money saving mall. You see once we have all you information that we securely take care of . We compare with not just our main brand Erie Insurance but we can compare it with several insurance companies to find out which one best suites you.
Let Us Start Saving You Money Today!
If you are tired of watching your insurance rates rise, not getting your questions answered, rude customer service, and claims not being accepted than you need to give us a call today. Our customers love our service, we are your friends, family and neighbors. We want to help you because it helps us. We are in Lexington, KY and we are only a call away. Let us start saving you cash on your car insurance today!
April is distracted driving awareness month. We at Bray and Oakley would like to remind you the dangers of texting and driving . The statistics below are from The National Safety Council and are the most recent numbers.
General Driving and Texting Statistics
- The National Safety Council reported that cellular use while behind the wheel leads to 1.6 million accidents each year.
- Almost 330,000 serious injuries happen each year from crashes caused by driving and texting.
- 1 out of every 4 crashes in the U.S. are caused by driving and texting.
- Driving and texting is 6 times more likely to cause you to be in an accident than drunk driving.
- Responding to a text grabs your attention for about 5 seconds. If one is driving at 55 miles per hour , that’s enough time to travel hundred yards (that’s the length of a football field)
- Driving and texting increases the time one spends looking off the road by 400%
- Out of all the things a person can do on a cell phone, texting is the most dangerous thing you can do.
- 94% of people support banning driving and texting
- 74% of drivers support a ban on hand-held cell phone use.
Teen Statistics On Driving and Texting
- Eleven teenagers will die today because of driving and texting.
- A poll released by AAA said that 94% of teenage drivers know about the dangers of driving and texting, but even with that knowledge 35% admitted to driving and texting anyway.
- 21% of fatal accidents with teenagers where distracted by their cell phones.
- Teen drivers are 4x more likely to get into car crashes than adults.
- Teenage drivers with one passenger double their chance of being involved in fatal accident. If they have more than one passenger they are 5x more likely.
The next time you get behind the wheel and you here that ringtone, think before checking. Those few seconds could cause you or someone else their life.
On March 31st, 2017, the Lexington Chamber of Commerce officially welcomed Bray and Oakley Insurance Center with a ribbon cutting ceremony and open house. The public was invited and many people from the Chamber were there, along with the staff from Bray and Oakley and the Vice President and Owner, Michael Paul Winter. The guest and staff were treated to sandwiches, drinks, and other snacks.
Sales Manager Danny Crum was on hand and said “It was wonderful meeting with the Chamber of Commerce and he looks forward to a warm and lasting friendship”. “We look forward to giving the same great service we have been known for many years now”.
Bray and Oakley has been an Independent Insurance Agency for over 90 years. Based in Logan, West Virginia, we are known for our professional service with excellent customer service skills with a home town feel. These characteristics have helped us to grow to 2 new locations in Lexington and Pikeville, Kentucky.
We cover home,auto,life,health and commercial. Our main carrier is Erie Insurance due to their better coverage’s and cost saving rates. We also have many other insurances too, that way we can find the perfect fit for you and your insurance needs.
As an agent and a CSR (Customer Service Representative) , we hear many stories and many questions daily. The #1 question we get asked after an accident is, “How much is my insurance going to raise?”. Another question we hear is, “Why has my insurance raised? I don’t have no accidents or violations”. The honest answer to these questions, is “We don’t know”. There are many factors that are considered when it is time for your renewal that affect your insurance rates. For example, your credit, and inflation, go in to determining how much your insurance is going to raise. On a positive note, with Erie Rate Lock we can honestly tell you your rates are not going to increase!
As CSR’s we love when we get a call from a concerned customer who got their first speeding ticket or their first fender bender and they are so concerned about how much their rates are going to increase. CSR’s love confidently saying “You don’t have to worry about a thing. You have ‘Rate Lock’, it’s going to stay the same”. The deep breath the customer takes as a sigh of relief after we tell them that, makes Erie Insurance the best choice for insurance in Kentucky.
Although an accident or traffic violation, will not raise your rates, there are factor that can change your rates. These are: adding a driver to your policy, adding a vehicle, or moving can change your rates.
Erie Rate Lock is the ultimate peace of mind when it comes to car insurance in Kentucky and the one place you can get Erie is at Bray and Oakley. Call us today for a quote.
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There are several types of insurance that can protect you from major unwanted life incidents. Some of the most common types of insurance plans are for health, life, auto, and home insurances.
In Kentucky, there already are a lot of companies offering these kinds of coverages.
The details and figures below might help you in finding the insurance company suited for you:
Health insurance is the type that covers the surgical and medical expenses of the insured person or individual. This could include dental expenses as well.
Below are the premium monthly rates of Kentucky Health Medicaid based on Federal Poverty Level (FPL). FPL measures the income of the families yearly. This is being done by the Department of Health and Human Services so that they can determine if a family is eligible for the programs and benefits like health coverage.
• Under 25% FPL = $1.00
• 25-50% FPL = $4.00
• 51-100% FPL = $8.00
• 101-138% FPL = $15.00
Life insurance provides the financial security for the beneficiaries of an insured person after the latter’s death.
Rates for this plan in Kentucky depend on several factors: age, driving record, firearm deaths, gender, health history, lifestyle and hobbies, marital status, occupation, tobacco use, travel, policy value, and weight. These are because of several factors, and of course, rates for life insurance could really vary.
It is also important to have a car insurance. Through the years, vehicular accidents have caused a numerous number of deaths and damages to properties anywhere in the world. Car accidents not only could cost lives; they can also drain you a lot financially. It is an advantage to have this kind of assurance in cases of car accidents resulting to property damage or bodily injuries.
In Kentucky, it is required that you have the coverages below:
• $25,000 for damage to a person – per person
• $50,000 for all bodily damage – per accident
• $10,000 for damage to property
A home insurance is the type of plan that covers a residential property. This one covers the damages to your home caused by undesirable events like fire, vandalism, theft, or even natural disasters like windstorm, hailstorm, or flood.
Health issues, accidents, and disasters are inevitable so it is really important that we have ourselves fenced through these insurance plans. In the event of these unwanted life events, these plans could help you financially. Somehow, insurance could also give you some peace of mind.
As an Independent Agency, we work with several companies that enable us to find you the best insurance rates in home, auto,life and health insurance. We are aimed at giving you the best options that are suitable for your income, preferred coverage, and budget. If you need our help, hit the tab at the top that “says request a quote” someone from our Kentucky office will be in contact with you shortly.