Home and Auto Insurance Update
Let’s face it, you buy home and auto insurance to protect you when and or if an accident happens. And when you have an accident, you want your personal insurance to respond. If it has been a while since you updated your personal insurance coverage, you may want to call us today.
When to Call Your Agent
When you buy or sell a car
If you started a home-based business
If you are thinking about putting in a pool
When you purchased any high-end jewelry, guns or other items
If your home replacement value has gone up
Did you get a company car?
If you have remolded any part of your home
When you install a security system in your home
If you get married or divorced
If your commute distance has changed
When your children go away to college
Having the right auto coverage is not as easy as it sounds, and choosing the wrong coverages and limits could lead to financial disaster. Our team is prepared to help you find the right combination of coverage, price and service.
A New Year… Let’s Get Your Insurance Right
As we move into a new year, I hope that every insurance agent and insurance buyer thinks about how they view their relationships. Let us get away from the clever insurance advertisement’s attempts to bring our products and services down to the lowest common denominator, price, and commodity. Insurance products and services are used to build our local economies, we allow people to dream, and we help rebuild in the event of a disaster.
Therefore, here are my resolutions for 2020; I hope other agents and insurance buyers will embrace these as well.
- I will always put the needs of my client above mine.
- I will strive to educate rather than sell.
- It will be valuable to provide my clients with options.
- Insurance is a complex transaction, and I need to help my clients understand what they are buying.
- Risk management should always be part of every conversation. Identify risk, assess the risk, manage the risk, and review again.
- I will select an agent who values relationships.
- Price is not an indicator of quality.
- Buying local is like the “farm to table” of insurance.
- I will seek an agent who is qualified to manage my risks.
It is common for people to ask us why their auto insurance premiums going up. In some cases, it is due to an increase in accidents or tickets. However, there are many other reasons auto insurance premiums go up.
Now may be a good time to have us complete a review of your auto insurance. Call us today for a free review.
Reasons Why Your Auto Premiums Increase
You bought an expensive sports car.
You now have a teenage driver.
The deductibles on your policy are too low.
You drive more miles.
You have moved from the country into the city.
The good news is that there are a number of things you can do to help reduce your auto insurance premiums:
How to Reduce Your Auto Insurance Premiums
Increase your deductible.
Do not get tickets.
Buy older vehicles.
Use an independent agent to shop your insurance.
Combine your other policies for discounts.
A Personal Insurance Update
We work to ensure that your personal insurance provides the protection you deserve and need. We understand you may need different coverage like a personal umbrella, RV insurance, valuable articles coverage, earthquake, or flood coverage.
Over the years, we have found that homeowners who adhere to the following strategies have a better chance of obtaining the best possible combination of coverage, price, and service.
Use an agent like us to represent you in the market. We know and understand personal insurance, and we are much better equipped to help you manage your personal insurance program. We will stand by you in every claim situation.
Only use financially strong insurers. It is vital that your insurance is there to pay for claims. Look for insurers with an “A” rating by AM Best.
Make sure you have high liability limits. It is essential that every homeowner have enough liability insurance to cover the unexpected events. This is especially true if you own an RV, ATV or boat.
Consider increasing your deductibles. Often a slight increase in your deductibles can reduce premiums. If you are able to manage a larger deductible, you may be better off in the end.
Allow your agent to manage your entire personal insurance needs. Having one source for all your policies will save you time. Also having one professional handle all your needs gives them the ability to understand your entire needs.
An Auto Insurance Update
Summer is here, and many families are planning that great summer road trip. Whether you are planning a day trip or a longer weeklong adventure, it is important to be prepared before you hit the road. Insurance Institute for Highway Safety (IIHS) statistics reveal that more fatal traffic crashes occur over the summer months than over the winter months.
Summer Driving Tips
If you have teen drivers, make sure they have taken driver safety training.
Never use your phone while driving.
When on a long drive, take frequent breaks.
Roads become very slippery in the first few minutes of rainfall because the rain mixes with the oil and dirt on the road. It takes about 30 minutes of steady rain to wash the oil and dirt off the road.
If your car is due for a tune-up, oil change, battery check, or tire rotation, now is the time to get it done.
Use seats belts every trip, all the time.
Traffic laws vary by state, so it is important to follow traffic signs.
Pack extra water and supplies in case of an emergency.
Drive at a safe speed. Speeding increases the likelihood and severity of a crash.
It will be important to have an auto insurance update before you go. Laws vary from state to state, and when it comes to your auto insurance, it is important to have the best possible combination of coverage, price, and service.
Are you in the market for a new low-cost car? Before you head off to the showroom, you may want to determine which cars are the least expensive to insure. There are many low-cost autos on the market which are very popular. If you are in the market for a fuel-efficient, low-cost auto, here are some items to consider.
Auto Liability Coverage pays for medical damages and funeral expenses for any people injured or killed in an accident for which you were responsible. Auto Property Damage covers damage you do to a third party. Auto Physical Damage covers comprehensive and collision. A collision is designed to get your car repaired if you hit an object. Comprehensive Coverage covers your vehicle in the event of damage or loss from something other than a collision; this includes theft, vandalism, nature, animals.
Best Cars To Insure
Honda Pilot LX.
Fiat 500X Pop.
Nissan Frontier S.
Hyundai Tuscon SE.
An Auto Insurance Update
Everyone likes to get the best possible combination of price and coverage on their auto insurance. For the most part, your auto insurance is based on your driving record and the type of vehicle insured. There are a few things you can control when it comes to purchasing auto insurance. Many insurers offer a variety of discounts that can affect your auto insurance premium savings. Discounts may vary from insurer to insurer.
Good student discount. For teen drivers, this can save hundreds of dollars. Typically, if your student maintains an A or B average, the discount will apply.
Multi-policy discounts. Most insurance providers offer discounts to customers who carry more than one line of insurance with them.
Drivers education courses. Many insurers offer discount if drivers have taken driver’s education courses.
Military discount. Many insurers offer discounts for military service.
Equipment discounts. If your vehicle has special safety equipment, you may be eligible for discounts.
Call our office for more information on how these discounts may apply to your situation.
Auto Insurance Facts
According to the U.S. Department of Transportation’s National Highway Traffic Safety Administration (NHTSA), there are five leading factors involved in auto accidents.
Drunk Driving: Crashes caused by drivers under the influence of alcohol (DUI) accounted for 18 percent of the total economic loss due to motor vehicle crashes. DUI crashes also cost the nation $49 billion dollars, an average cost of $158 dollars for every person in the U.S. Including lost quality of life, these crashes were responsible for $199 billion dollars, or 23 percent of the overall societal harm caused by motor vehicle crashes.
Speeding: Crashes involving a speeding vehicle traveling over the posted speed limit, or too fast for conditions, accounted for 21 percent of the total economic loss and cost the nation $59 billion dollars in 2013. This is an average cost of $191 dollars for every person in the U.S.
Distraction: Crashes involving a distracted driver accounted for 17 percent of the total economic loss and cost the nation $46 billion dollars in 2013.
Pedestrians and Bicyclists: Crashes involving pedestrians and bicyclists accounted for 7 percent of the total economic loss and cost the nation $19 billion dollars in 2013.
Seatbelts: Seatbelt use prevented $69 billion dollars in medical care, lost productivity, and other injury related costs. Conversely, preventable fatalities and injuries to unbelted occupants accounted for 5 percent of the total economic loss and cost the nation $14 billion dollars in 2013.
Auto Insurance Coverage
Having the right kind of auto insurance can protect you from serious financial loss.
Auto physical damage & collision
Personal injury protection
Auto medical payments
A motorcycle helmet is one of those essentials that will help save your life should you have an accident while riding your bike. This will protect your head from a damaging and even potentially fatal head injury. Motorcycle helmets are so important that state lawmakers have even included a directive in the state laws that orders all people riding the motorcycle to wear helmets.
Some people though do not understand the importance of this accessory. In fact, some people do not even like wearing it because it is too heavy and too suffocating. Others find it a killjoy not to be able to feel the wind on their faces when riding a motorbike.
Motorcycle helmets are not really that expensive, but they are also not cheap. Some who are not that well-informed will probably save all their money for the motorcycle leaving a really small budget for safety gears like the helmet. Some even buy used helmets instead of new ones. This, however, is one practice that should not be encouraged.
Using used helmets is extremely dangerous and impractical. Used helmets are actually worthless, and what is more, you cannot really tell whether they are damaged or not. You won’t even be able to tell if they are relatively new ones or not. This is because the helmet is made from a hard outer shell that envelops a layer of expanded polystyrene. You will never be able to tell if the expanded polystyrene is already compressed or not unless you cut the outer shell. An already compressed polystyrene layer will not protect you from an accident.
Another thing that you should consider is the fact that polystyrene becomes brittle as it ages. This is the reason why old helmets should be exchanged for new ones in a couple of years as it may not be able to absorb much of the impact when an accident does happen. The polystyrene layer is also easily damaged by the sun and by chemicals such as gas vapors.
Motor bikers who always place their helmet near the gas tank will also unknowingly damage the lining of the helmet. It is also not a good idea to always let the helmet sit under the heat of the sun. If you can, try to park your motorbike in areas that are shaded. Pointed objects may also compromise the lifespan of the helmet by piercing through the polystyrene layer inside.
The leading trends in insurance today
We live in a new age, and that means insurance professionals need to be prepared to meet the new demands of the insurance buyer. Home and auto insurance buyers have changed the way they select insurance companies and their agents. One thing that has not changed is that everyone needs home and auto insurance, and business owners need commercial insurance.
We know and understand your needs
Here is what our clients are telling us they need from us in order to meet their changing needs.
We offer coverage for Uber and Lyft drivers.
Our home insurance products can be designed to include coverage if you rent your home to third parties, or if you own a vacation rental.
Our web page is constantly being updated to reflect the buying habits of all generations.
For the environmentally conscious buyers we offer insurance products that include premium discounts for homes that meet stringent efficiency and sustainability standards, discounts for using eco-friendly building materials, and even unique “pay as you go” auto policies so you only pay for the miles you drive.
Filing a claim has never been easier. Most of our insurers have online reporting, but we are always here to help manage your claim if needed.
We understand how the technology of a “connected home” works and the importance of proper homeowner’s coverage.
There is new technology that can be added to your vehicle that monitors your driving and provides discounts for safe drivers.
You want, and deserve, more choices and personalization concerning your insurance program. Our friendly team is always ready to serve you.