Some of the factors that can affect how much you have to pay for car insurance are your age and gender, the make and model of your vehicle, and your location. Most insurers will also look at your driving history.
While you are on vacation outside of the United States, and you plan to drive, check with your insurance agent about how your car insurance covers you. Each policy is different, and you want to make sure you are properly covered in order to protect yourself.
Don’t let loyalty to one insurance company leave you paying higher rates. When the time nears to renew you insurance policy, ask your agent to shop around to see if better rates are available.
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We offer several options to our automobile insurance that will make life easier should you have an accident. You can choose coverage that pays for additional medical expenses, a rental car while your car is being repaired, or for towing and emergency roadside service.
Just as you do not want to pay for more insurance than you need, you also want to make sure you are sufficiently covered. Our agents will work with you to help design a policy that covers growth and expansion of your fleet and the services you offer.
If you're adding extras to your car insurance (towing, rental car reimbursement, etc.) check to make sure you see it in writing on the policy before you sign. Also, never sign a contract that has blank spaces anywhere above the signature line.
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If you have a home business and use the same vehicle for business and personal use, talk to us about getting business insurance policy to provide insurance that can protect the assets of your business.
Different occupations can receive better rates based on their statistical perception as drivers. Speak with your insurance agent about how you, and other drivers on your insurance policy, may qualify for a lower premium.
Even though studies have shown that only 9 out of 100,000 vehicles are involved in fatal accidents, there will still be risks every time you’re behind a steering wheel. It’s best to have financial protection at all times through insurance.
Massachusetts, North Carolina, Hawaii, Alaska, and Oregon – are the five least expensive states for automobile insurance. While Michigan, Louisiana, Kentucky, West Virginia, and Mississippi are the five most expensive states.
If you are switching insurance companies, don’t let your old policy lapse. Instead, start coverage with the new one then formally cancel the old one. Letting it lapse could come back to haunt you later.
The first recorded automobile accident occurred in 1891; fortunately, the only injury was to a tree. However, the first insurance policy was not issued until 1897. What is even stranger is that stop signs and traffic laws were still years away from appearing.
Did you know that the average driver in the US racks up about 13,000 miles behind the wheel each year? With so much distance to cover, it’s important to always have insurance protecting you and your vehicle.
Here are some other ways to get discounts on your auto insurance: buy both your car insurance and your homeowner’s or renters insurance from the same company, have anti-theft devices installed and, if you don't drink alcohol, ask for an abstainers discount.
The amount of liability coverage you have on your insurance policy should reflect how much you stand to lose in the event of an accident. While state minimum may seem like plenty, if it is only a portion of your financial profile, it may not be enough.
If you're uninsured and find yourself involved in an auto accident, you may be in for a rough financial ride. However, having adequate coverage allows you to rest easy because you know that the investment you made will pull you out of trouble.
When you’re getting an insurance quote for a car you’re considering buying, remember that a number of factors can alter it. Everything from the options you choose to the model year you buy can change the final price of your insurance premium.
You don’t always get to choose where business takes your vehicle, which means things like theft, fire, vandalism, and more can occur. But don’t let that stop you from going there. Commercial coverage will make sure that you’re covered, so you don’t have to worry.
When buying a new RV, comprehensive replacement insurance provides the best coverage. If your RV is totaled during the first five years you own it, you will be able to replace it with a new one.
If you plan to rent a car while you are on vacation, check with your insurance agent to find out the extent of coverage you have for this type of transaction. While car rental agencies offer insurance protection, why pay for it if you are already covered?
Did you know your commercial vehicle insurance policy may be a tax deductible necessary business expense? Ask your tax preparer and take advantage of it if your business qualifies.
Remedial driving classes do more than improve your driving. They also help keep your insurance premiums low. Don’t wait until you receive a ticket or are in an accident, take a refresher course every five to eight years and save.
Motorcycle insurance can be customized to fit your needs and can cover things such as custom parts and equipment, roadside assistance, liability, medical, and uninsured/underinsured motorists.
If you have not already done so, take pictures of your car as it is now and save them so you have “before” pictures should your vehicle be damaged and you need file claim (even if it is just damage from a shopping cart).
Is the insurance company for the person who hit you giving you a hard time about paying for your repairs? In some cases, we may be able to pay your claim and go after the other insurance company in court.
Call it the thrill of driving or the need for speed, but statistical data shows that drivers in the US aged 16 to 19 are three times more likely to commit speeding violations than drivers from every other age group.
What is PIP insurance coverage? PIP, Personal Injury Protection, coverage is the basic legal insurance requirement for drivers who live in “no fault” states. This type of insurance provides minimum coverage for costs associated with an accident regardless of who is at fault.
If your business is to provide emergency services (ambulances, emergency response, etc.) your commercial auto policy needs to address some of the specific dangers your drivers and vehicles face. Each business has its own unique parameters, and insurance policies need personalizing to reflect this.
