This is default featured slide 3 title
This is default featured slide 4 title
This is default featured slide 5 title
 

Monthly Archives: September 2018

Ways to Save on Car Insurance

1. Compare Policy Rates

Prices differ significantly from company to company. Take the time to explore as many options as you can before deciding on one.

2. Choose the Higher Deductible

If you can afford it, choose the higher deductible and pay less each month for coverage. A deductible is the amount you have to pay before your provider will cover the rest of your bill. A higher deductible can significantly lower your monthly bill.

3. Consider Carpooling

The less you drive, the less insurance companies charge you.

4. Buy Only What You Need

What you need for a new model is different than what you need for an older automobile. If your car is an older design, it might warrant you dropping the collision coverage.

5. Combine Your Homeowners/renters Policy

Combining other policies with your car insurance is an effective way to get the most discounts. Car insurance is considered the riskiest investment, but if you combine it with a safer investment, your monthly bill will go down.

Cheap Comprehensive Insurance

* Vehicle Theft

One of the main reasons people buy this type of insurance is protecting the value of their car, in the event it is stolen. Automobile thefts are escalating and not just for expensive luxury cars. Take a look at the top 10 most stolen vehicle list, and you will see Honda Accords, Civics, and even the Toyota Camry. If you park your car on the street in an urban area, you should strongly consider adding full cover auto insurance on your policy.

* Glass Breakage

Have you ever cruised behind a dump or garbage truck only to have something come flying at your windshield at 60+ MPH? Probably so and for many people, it happens every year or two. This is yet another reason why comprehensive ins might make sense to you. Under this plan, if your windshield is busted, you can get it replaced. You will have to pay a deductible, though.

* Animal Damage

Believe it or not, thousands of automobiles get hit by animals each year, hard enough to cause vehicular damage. Even large dogs can strike a car and cause dents, not to mention a 600-pound deer. If you live in an area that has lots of wild animals, consider getting comprehensive protection.

* Weather Events

There are numerous weather related things that could inflict damage to your car. A flood might completely ruin your car’s electronic system, or a tornado might pick it up in the air and completely total it. Even a mild windstorm can cause heavy branches to fall and hit your vehicle, causing severe damage.

* Vandalism

Some people do nasty things, and this includes vandalizing other people’s private property. This can be tire damage, “keying” or even smashing your vehicle due to rage. This is why it’s always important to not only get enhanced insurance if you can afford it but always garage your car in a secured area.

Mandatory Comprehensive Auto Insurance

There are some situations where you may be required to get comprehensive ins. The main one is if you’re leasing or financing a car. Lenders need to protect the value of the loan amount they’ve invested, and they do this by making this enhanced coverage mandatory. Also, even if you pay for your car in full, if it is worth more than $25,000 you should probably get full cover ins.

Another fact worth noting is many insurers will not let you buy comprehensive insurance unless you first add collision onto your policy. These 2 types of coverage go together and provide excellent protection for almost anything that can happen on and off the road.

Drive Safe in the Rain and Avoid Insurance Liability

• Prior to setting out on your commute from home or business, confirm that your vehicle registration as well as auto insurance is not expired. It’s a good idea to also review your policy with an experienced independent agent to see if you have tailored protection for your needs.

• While your automobile is in motion, keep your hands firmly upon the steering wheel in the ten and twelve positions.

• Holding onto a cell phone or any other device while driving is a big safety hazard anytime, all the more so when driving under adverse weather conditions.

• Make sure your windshield window is clear and that your driving vision is as clear as possible.

• Consider the other driver’s safe vision by keeping your car’s headlights turned on.

• Always keep a safe distance between your vehicle and the one ahead of you by following the five car or one second driving distance rule so as to minimize the chances of a collision due to the front car’s sudden or abrupt stop.

• In the event your windshield window gets enveloped in a veil of fog, turn on your car’s defogging function.

• Always maintain the posted speed limit. Drive under the speed limit if you need to for safety’s sake.

• When in contact with moisture, vehicle tires do lose their traction and may hydroplane. If and when this happens, keep your cool and let up on the gas pedal while driving in a straight direction. Try not to make any sudden driving moves.

• Avoid floods and water-filled potholes.

• Park on the side of the road if the winds and rain becomes severe. Wait out the conditions until you can safely continue your drive.

PRIME Insurance! We’re the leading agency that has been won many related awards and been appointed to do direct business with scores of top companies. We shop our wide network to bring your tailored coverage at competitively cheapest quotes.

Way to Save Money on Auto Insurance

Take physical damage coverage off your older vehicle. If you carry “Comprehensive” and “Collision” coverage on a vehicle that is over 10 years old, go to the websites for NADA or Kelly Blue Book and check out the vehicles current market value. You may be surprised to learn that you’re spending hundreds of dollars per year for coverage on a vehicle where the return on a total loss may not be a cost- effective investment. Be sure to add however a coverage called “UMPD” that will give you coverage for the market value of your vehicle if it becomes a total loss when in an accident caused by an uninsured motorist.

Increase your physical damage deductibles. The amount that you are responsible to pay when you have been in an accident that causes damage to your vehicle or when your car is stolen or any other covered cause of loss should probably be increased. On average, if you are a good driver, you will probably have a covered loss once in seven years or less so you may be spending hundreds of dollars per year for coverage used infrequently. Get the best value by increasing your physical damage deductibles to at least $1,000.

Insure multiple policies with one carrier. If you decide it is time to “shop” your auto insurance, you should be shopping both your auto and homeowners insurance. Carriers offer significant discounts on both the auto and home policies if they are with the same company. These discounts can be up to 25{4ab1f3bb204e007a8099ed651b8b253745bae8dad9d0f11ee02730a20669795c}. With the cost of insurance these days, that can be enough to pay for that tenants policy that you should have and maybe don’t or the cost of an extra million dollars of liability that you need to properly protect your assets.

Add “towing” coverage on your auto policy. Many carriers offer “towing” coverage that includes key lock out and delivering gasoline if you run out of gas, etc. for far less that purchasing the coverage separately through a “club.”