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Talking About Auto Insurance Coverage

4 Simple Yet Effective Ways to Keep Your Auto-Coverage Premiums Low

Posted by on 11:42 am in Uncategorized | Comments Off on 4 Simple Yet Effective Ways to Keep Your Auto-Coverage Premiums Low

Every day, drivers attempt to come up with new ways to lower auto-insurance premiums. In many cases, qualifying for the lowest auto-coverage rates possible only requires drivers to do a few basic things. Do them all, and you can reasonably expect to see a big difference in your next premium quote. Use these four easy, cash-saving tips to shrink your current auto-coverage expenses. 1. Look for Membership-Exclusive Discounts – Consumers belong to many clubs, memberships, associations, and other similar groups that enable access for special pricing and discounts with other companies. Think about the special clubs that you may be enrolled in, and then go their literature to see what discounts might be included. 2. Compare Auto-Insurance Rates – Even when drivers have received lower car-insurance quotes in the past, they may remain with their current insurer because they just don’t want to initiate any change. In a single day, you can compare auto-coverage quotes as well as change insurance providers. Remember that fast quotes can provide accurate rate comparisons, but detailed auto-coverage quotes provide the steepest discounts because a better driver profile can be developed. 3. Practice Safe Driving – When you drive more cautiously, you have a lower chance of being involved in or causing an accident. Of course, fewer car accidents on your driving record leads to lower auto-insurance rates. Safe drivers almost never get cited for improper seating, not having their seat belts on, reckless driving, or other illegal behavior. Some insurance providers offer discounts programs that ask to record statistical information on policyholders’ driving habits. If overall safe driving activity is documented, the discount is applied. Overall, being vigilant when behind the wheel is valued by car insurers. 4. Raise Your Auto-Insurance Deductible – Many drivers try to imagine what their particular financial outcomes may be like if they were to get into an auto accident. Paying higher auto-insurance rates so that you can have a low deductible can seem like a good choice when you don’t have much personal savings. Even so, when you are paying higher car insurance rates, there’s also not a chance of you being able to save a sizable deductible. Keep your auto-insurance deductibles higher, practice safe driving and choose the best comprehensive policy with the lowest rate. Practice financial prudence, and it won’t be hard for you to get low auto-coverage premiums. Talk to a variety of companies such as Able Insurance Agency to get started comparing...

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Buying A Used Car? Two Reasons Why You Should Purchase An Extended Warranty

Posted by on 9:26 am in Uncategorized | Comments Off on Buying A Used Car? Two Reasons Why You Should Purchase An Extended Warranty

If you’re in the market for a used car, you understand that many of them are sold “as-is,” with the option of purchasing an extended warranty. You may think that the warranty isn’t needed, especially if you’ve had your mechanic look over the car and it was given a clean bill of health. However, although the extended warranty will mean that you’ll have an additional expense, it may prove to be well worth it. Use this information to learn more about why you should opt for the extended warranty the next time you buy a used vehicle. Car Repairs Are More Expensive Than Ever The most compelling reason why you need an extended warranty is because of the price of car repairs. It can be more expensive than ever to have your car fixed if it breaks down all of a sudden. When this happens, you could find yourself without a way to get to work for quite some time. Cars are incredibly technologically advanced.  Many of the systems that operate your car are computer-based. This means that it will typically require a skilled technician to diagnose and repair your vehicle, and this could mean a pricey bill for you. Many extended warranties cover all of the main systems in your car. Some warranty companies even let you add on additional coverage for items that are not protected under the basic plan. If a vehicular emergency occurs, you’ll typically only be responsible for paying the deductible. You won’t have to worry about where to get the money to pay a huge repair bill. An Extended Warranty Is A Great Selling Point After you’ve had your car for some time, you may decide that you’re ready to sell it.  Having an extended warranty on the car signals to potential buyers that the car was likely well maintained, which may be the selling point that they needed to close the deal. In addition, there may still be some time left on the warranty. You can advertise this as part of a package deal to anyone who wants to purchase the vehicle. They’ll get the benefits of buying a car that was covered while you had it, as well as the peace of mind that comes with owning a car that is protected by an extended warranty. There is often a limited period during which you can purchase an extended warranty after getting a used car. Don’t let time pass you by; purchase an extended warranty right away so you can enjoy these excellent benefits. For more information, contact a business such...

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Safe Driving Tips To Remember When Traveling During Rush Hour

Posted by on 11:32 am in Uncategorized | Comments Off on Safe Driving Tips To Remember When Traveling During Rush Hour

If you spend time driving during rush hour on Monday through Friday, it’s important to have a healthy respect for the driving conditions. Rush hour driving is inherently dangerous; statistics show that vehicle accidents are more common during rush hour. In North Carolina, for example, one in four car accidents actually takes place during rush hour. This shouldn’t shake your confidence about driving, but it should remind you to be extra safe behind the wheel when driving to and from work. The higher risk of accidents means there’s a higher risk of paying your car insurance deductible and experiencing a rate increase – neither of which you want. Here are some tips that will help you stay safe during these conditions. Install Blind Spot Mirrors Blind spot mirrors are small, circular mirrors that allow you to see any motorists who are traveling along in your blind spots with a quick glance. While these mirrors aren’t an alternative to quickly turning your head when you’re about to change lanes, they can increase your awareness of what’s around you as you drive along. You can often experience people driving in your blind spot during rush hour because the traffic is thick enough that they can’t fully pass you; having these mirrors will decrease your risk of a side-swipe accident that will elevate your insurance rate. Keep Your Smartphone Out Of Reach Even if you already know that you shouldn’t use your smartphone while behind the wheel, the temptation can be overwhelming when you hear a text come in or you’re stuck in traffic. The use of your phone, however, can greatly distract you and this is especially a concern in rush hour when the traffic volume is thick. Instead of keeping the phone on the seat or console beside you, put it in a jacket pocket or purse out of reach. This will prevent you from being tempted to grab it until you’ve reached your destination. Make Eye Contact With Others During rush hour, you’ll often be traveling at low speeds, but this doesn’t mean you’re less at risk of an accident. One benefit of traveling at a low rate of speed is that you can often make eye contact with other drivers. Whether it’s seeing if someone is going to enter a roundabout or merge in front of you, watching a driver’s face can often indicate his or her intentions – and you’ll be able to react accordingly. Keep driving safely, and you’ll have an easier time getting an affordable rate through an auto insurance company like Manassero Insurance Agency...

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Four Things All Homeowners Must Know About Homeowners Insurance

Posted by on 5:13 am in Uncategorized | Comments Off on Four Things All Homeowners Must Know About Homeowners Insurance

As a homeowner, having homeowners insurance is vital. Without homeowners insurance, you can end up in great financial stress after significant damages have occurred to your home, such as theft, fire, or flooding. In order to know that your homeowners insurance is protecting you enough, you should know some of the basics of how it works. Here are four things all homeowners should know about homeowners insurance: Homeowners Insurance Doesn’t Cover High-Risk Disasters:  The first thing you should know is that your homeowners insurance isn’t going to cover the cost of damages done by a fire, flood or earthquake if you live in an area that is at high-risk to any of these things. Whenever you purchase homeowners insurance, you should know what your home is at high-risk for so that you can purchase additional coverage that won’t be included with your basic homeowners insurance policy.   You Can Take Preventative Measures to Reduce Premiums: Many times, homeowners are not adequately covered for their home because they cannot afford the high premiums. Luckily, there are plenty of things you can do to lower the premiums and continue to ensure that you have adequate coverage. For example, installing a security system can reduce your premiums significantly since this also reduces the chance of theft significantly, as well. If you have a swimming pool, you can install a pool fence, which will also reduce your premiums significantly.  There’s a Difference Between Market Value and Replacement Cost: When it comes to purchasing homeowners insurance coverage, you want to be sure that you are covered in the case of a total loss. This will allow you to either rebuild your home completely just as it was. You don’t want to purchase coverage for the market value though, but instead the replacement cost. There is a difference since market value is based on the surrounding prices of the home in your neighborhood, which can either be lower or higher than the actual cost of replacing your home altogether.  File Claims When It’s Needed: Just because you have homeowners insurance doesn’t mean you should file a claim for every little thing that happens. Filing too many claims can actually increase your premiums because the homeowners insurance company will begin to see you as a high-risk customer. You should file a claim if there is significant that you know you are not going to be able to pay out of pocket for. Don’t file a claim if there was a hole punched in your wall, which is something that can easily be fixed on your own.  When you understand these four things about homeowners insurance, you can be sure that you are getting the most out of your policy. Contact a business, such as Northeast Insurance Agency, for more information....

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4 Tips For Purchasing Car Insurance

Posted by on 11:52 am in Uncategorized | Comments Off on 4 Tips For Purchasing Car Insurance

Having car insurance is highly important when you drive a vehicle. Without car insurance, you can run into major financial problems. For example, if you were in an accident that you were at fault for and you have no insurance, then you will be responsible to pay for the opposite party’s damages and injuries out of your own pocket. On top of that, you will have to pay for your own, as well. Driving without insurance is also illegal and can result in the confiscation of your driver’s license and a hefty fee. Since purchasing auto insurance is so important, here are four tips to make it easier and more affordable: Raise the Deductible: Choosing a high deductible is going to keep your premium payments on auto insurance lower. However, you should only increase the deductible as high as you can afford. If you are in an accident and your deductible is $1,000 dollars, for example, you want to be sure that you are going to be able to afford that. If not, then you should have a lower deductible, but don’t be afraid to raise the deductible as high as you can.  Ask About Discounts: There are many discounts that insurance companies provide that you may not be aware of. Be sure to ask what discounts they offer because, most of the time, these discounts will not be applied unless you specifically ask for them to be. Discounts can include taking a driver’s safety course, so be sure to take action and sign up for these courses in order to save even more. Don’t Choose Limited Tort Insurance: Insurance companies may offer you limited tort insurance as a way to save on your monthly premiums, however, limited tort can actually end up costing you more out of pocket. This is because if you are in an accident in which you have suffered injuries, even if the other person was at fault for the accident, your insurance won’t cover for your pain and suffering expenses. If you have to miss work or you have to hire help around the house because you are too injured, the expenses for this will have to come from your own pocket.  Drop Collision and Comprehensive: If you have an older vehicle, having collision and comprehensive coverage is unnecessary in most cases. This is because, in the case of an accident, the repairs for your car could total up to more than what the car is worth.  When you utilize these four tips for purchasing car insurance, you can be sure that you have insurance that is affordable and also covering enough to not put you in financial stress in the future. For more information, contact House-Chilson & Associates or a similar...

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Sourcing Auto Insurance With A DUI On Your Record

Posted by on 4:22 pm in Uncategorized | Comments Off on Sourcing Auto Insurance With A DUI On Your Record

If you have been charged and convicted of a DUI, dealing with all of the ramifications and penalties that this entails can be stressful. If your license has been restored or is still intact, you might find that your auto insurance options are more limited than before. Here are three tips to keep in mind when sourcing auto insurance after a DUI offense. 1. Do Your Homework Depending on what state you are in and what options are available, don’t feel tied to your current insurance company. Be sure to review quotes online and by phone. Don’t be embarrassed by your offense. Most insurance agents have heard it all and will want to work with you to find a good quote that is fair under the circumstances. Some insurers will try their best to offer quotes as reasonable as possible for first-time offenders. You can even bring this back to your original agent and see if they can lower their quote as well. 2. Don’t Expect Any Miracles Even though you might feel as if you have paid your dues, your DUI might haunt you for a while when it comes to insurance premiums. Try to bundle this with other insurance needs such as homeowner’s or renter’s insurance, or work out a monthly payment option instead of a yearly or by-yearly lump sum. A DUI offense will stay on your driving record for at least three years, so be patient with the process and try to understand that there aren’t any miracle shortcuts financially. 3. Be Upfront About Your Offense There isn’t any way that you will be able to keep your DUI from insurance companies, so get this out in the open when seeking new insurance quotes. Your DUI citation is on your driving record and this information is handed over to insurance agents. Many states require that you have a notification issued through your insurance provider in conjunction with the DMV regarding insurance policies that may be carrying high risk as well. Going through the process of a DUI conviction can take a toll on an individual both emotionally and financially. While you might be out of the woods with initial penalties stemming from your DUI, you may have to hang on for a few years in order to see a significant drop in your insurance premiums. The best thing that you can do is be a good driver moving forward and show your insurance agency that you have learned your lesson for the future. For auto insurance, contact a company such as Oliveira Gilbert C Insurance Agency...

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3 Questions To Ask Before Buying Renters’ Insurance

Posted by on 2:50 pm in Uncategorized | Comments Off on 3 Questions To Ask Before Buying Renters’ Insurance

Are you renting a house or an apartment? If so, you may want to buy renters’ insurance before you move in. Renters’ insurance provides financial protection for your belongings in the event that your home is damaged or in case you are the victim of theft. If you don’t have renters’ insurance. you could be exposing yourself to serious financial risk. Renters’ insurance is readily available from a wide range of insurance companies. However, not all renters’ insurance is the same. Here are four questions to ask to make sure you have the right protection: What belongings are not covered? Your renters insurance will likely have some exceptions, which are items you may own that are not covered by insurance protection. For example, some policies won’t provide coverage for computers or office equipment that are used for work-from-home purposes. Firearms may not be covered by some policies. The same is true of some expensive pieces of artwork or jewelry. Make sure you ask this question, as you may need to buy additional or specific policies for some of your more expensive or unique belongings. What events are not covered? Just as your policy may not cover all belongings, it also may not cover all types of damage. A big exclusion in many policies is water damage. This could be especially true if your unit is ground level or below ground level. Some acts of weather damage, such as wind, may not be covered. Also, your policy likely only covers the interior of your unit as the exterior is probably covered under the owner’s insurance. If the interior of your unit is damaged because of something that happens outside the building, your insurer may refer the claim to your building owner’s policy. Again, all policies can vary, so it’s important that you ask questions about this so you know all the possibilities. Does it have liability coverage? This is an important consideration. If someone suffers an injury in your apartment, they may be able to hold you legally responsible. However, liability protection with your renters’ insurance can protect you from those damages. Find out if your coverage has liability protection and, if not, whether you can add liability coverage onto the policy. Also, there could be exceptions to your liability coverage. For instance, if you sublet your home or if you employ workers in your home-office, you may need different types of liability protection. For more information, talk to an insurance agent from companies like Advanced Auto Insurance. He or she can help you find the right coverage for your...

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