Uninsured or underinsured driver liability coverage is becoming more important as an increasing number of people are driving without a license or proper coverage or both. The laws of the uninsured driver’s state determine the amount of coverage available.
Shopping around for the best auto insurance rates is one of the most efficient ways to cut costs. Drivers who are meticulous and are always comparing rates are likely to find the best and most affordable.
Have you had a change in your life such as a marriage or a milestone birthday? Be sure to let us know as it be one of those events that lowers the premium on your car insurance.
Each state has its own requirements for auto insurance, titling, and registration. If you’re planning to relocate, be sure to become familiar with these requirements. Some states assess penalties if your car isn’t insured, titled, and registered within 30 to 60 days of relocation.
Buying a car for your teenager? The one you select can affect your rates. Some cars carry higher premiums because of theft rates or poor safety records. Instead of acquiescing to the wishes of your child, choose a model that offers the best protection and lowest rates.
Buying a new car and loading up on extras? Be careful, some may bring an increase in your insurance rates. On a related note, have your policy checked and eliminate services that may be covered by your credit cards or other policies.
Pay attention to the amount of your deductible. While it can lower premiums, you don't want one so high that you can't afford any out-of-pocket costs. We recommend putting the deductible amount in a savings account and leaving it until it's needed.
Did you know that the type of work that you do can affect the rate you will pay for your auto insurance? In fact, lower and discounted rates exist for those in certain vocations. A scientist and engineer as well as a teacher will pay less for insurance than, say, a bartender or race car driver.
If you work as an independent delivery contractor, you need a business auto policy – even if your business is delivering pizzas, flowers, or other smaller items. Your personal automobile insurance will not cover accidents that occur while transporting commercial goods.
According to the National Association of Insurance Commissions, the nationwide average auto insurance expenditure reached $889.01 in 2015. That’s a 2.7 increase from $865.34 in 2014.
When buying car insurance, there are typically three different types of coverage we’ll quote you. These include the per accident limits for property damage and bodily injury and the per person limit for bodily injury.
Did you know that in most cases regular car insurance does not cover accidents or damage incurred while vehicles are being used for business purposes? If you use a car in the daily operations of your business, then commercial car insurance is important to have.
Liability coverage doesn't cover your car when it's in a collision, which is where collision coverage comes in. This will either pay for repairs, or cover the cost of the car if it's totaled. This is optional, but usually required when financing a car.
If you suspended liability coverage for your motorcycle or RV while it was in hibernation, don't forget to reactivate it before going back out on the road.
Choosing between living in the city or the suburbs can impact more than your lifestyle. Living in the city can also cost you more in auto insurance.
If you regularly carry expensive items in your car such as a laptop or a GPS device, then these probably won't be covered by your basic policy. You may want to add a rider to cover these in case they're damaged in an accident.
Anti-theft protection devices installed on your car will reduce your premiums. The better the devices, and the more they contribute to tracking your stolen vehicle, the better rate you can negotiate with your insurance carrier.
Have you been hesitant to look into commercial auto insurance because you don’t think you drive for work that often? Remember, getting into an accident in your personal vehicle while using it for business purposes could allow your personal auto insurer to deny your claim.
The first media use of the word “automobile” dates to 1897, when the New York Times observed: “The new mechanical wagon with the awful name automobile has come to stay ..." True enough, but by 1899, Americans had already shortened the word to “auto.”
Statistics show that roughly 750,000 vehicles are stolen in the US each year. That’s more than one every minute. It’s important to have auto insurance for financial protection in the event of a lost or stolen vehicle.
While every driver is supposed to be insured, that doesn't mean they are or that they have sufficient coverage. We can add uninsured/underinsured coverage to your policy.
When was the last time you checked to see if you were paying the best price for your auto insurance?
While the first recorded automobile accident in the U.S. occurred in 1891 (the lone victim was a tree), the first auto insurance policy was not issued until 1898.
One easy way to get a nice discount on your auto insurance is for you, and other eligible drivers on your policy, to take a driver safety refresher course. There are many that are available on-line and take only a small amount of time to complete.
Before you sign up for a company that specializes in roadside assistance for breakdowns, check your insurance policy. Most policies include these services as an incentive for potential clients.
Collision insurance offers coverage for your vehicle in the event of an accident that isn't the fault of the other driver. This coverage comes with a deductible - an amount you must pay out of pocket before the insurer pays the rest of the claim. You can choose the level of the deductible.
Are you trying to choose between two different types of new car? If all other factors are equal, let us quote you on insurance for each car. The difference might be enough to help you make up your mind.
When signing your insurance papers always use a ballpoint pen that has blue ink. Why? First, ballpoint ink won’t wash off. Second, you’ll be able to tell the original contract from a copy (the copy’s signature will be black, not blue).
Personal Insurance Protection (PIP) covers hospitalization for injuries to the driver and passengers of the policyholder’s car. PIP is mandatory in 13 states and each state has different levels of coverage.
One of the biggest causes of deaths on the road is drunk driving. In 2015 alone, more than 12,000 people died in road accidents caused by drunk drivers. Most DUI cases happen in Texas, California, and Florida.
It can be easy to think that your insurance premium will go up automatically if you're in an accident, but this isn't necessarily true. An insurance company will go over your car and your driving history to determine how the accident will affect your rate.
Why is extra insurance coverage on top of liability insurance coverage a good idea? Because liability insurance has limits on what may be covered if you are held responsible for an accident – costs for car repairs, and extra medical costs may not be covered.
Do you have furry friends who travel with you in your RV? If so, you need to have pet injury coverage as part of your policy. It should include coverage for any injury it incurs as well as any it may cause.
While no one would want to have their vehicle damaged, these things do happen so it's best to afford your asset some protection. Investing in collision insurance for instance, is a good way to ensure that you are spared tremendous repair bills if your car or truck figures in an accident.
One of the most valuable pieces of equipment for any contractor’s business is their van or truck. You want to make sure that your investment is adequately protected, and the best way to do that is with commercial auto insurance.
While your car may only require about half an ounce of fuel to start, that’s not necessarily good for your car’s health. The lower the fuel level, the more sediment from the bottom of the tank will get pulled into the engine as it runs.
If your car happens to be equipped with the most exotic parts available, these may not be protected unless you buy additional coverage. This coverage comes in the form of customized parts and equipment insurance and is something you should definitely talk to your insurer about.
When is additional medical and/or personal-injury protection recommended for additional insurance coverage? For drivers who have limited health insurance policies that will not be able to cover medical costs associated with severe vehicular accidents.
Thank You,Joe Shudick and everyone at the Ross Township Trustee Office and Park. You made him smile from ear to ear. You guys are the best.
80 years young. One amazing man who I get to call Dad. Enjoy your day 🎂🎂
While raising your deductible on your auto insurance can save you on your premium payments, it can cost you more on your claims. If you raise your deductible, make sure you can afford to pay it if you need to make a claim.
Many people do not have their classics insured correctly. Be sure to double check your policy to see if your classic is covered at market value replacement cost or you could be sad at claim time when you are offered next to nothing vs. the $45,000 it's worth.
Instead of offering you a policy that covers all eventualities (damage, injury, theft, etc.) auto insurance providers let you choose what works best for you. For instance, you may choose to get collision protection while opting out of comprehensive coverage.
Collision insurance offers far better coverage than liability insurance in the case of an accident. With liability coverage, there is the chance that you may end up paying a lot of the expenses yourself, but with collision coverage, the burden of payment lies with your insurance carrier.
You might be surprised at the kind of discounts you might be eligible for. For example, if you insure your car and house with the same company, you can get a multi-policy discount. You can also often get a discount if you have an anti-theft device on your car.
To save money on your car insurance, clean the junk out of your garage and move your car in. Car insurance companies offer lower rates on cars that are kept inside.
If you are getting ready to add a teen driver, that's a good time to talk about strategy to keep your insurance costs as reasonable as possible. We can explain whether you should get a separate policy for your teen and if it's better to get a used or newer vehicle for your new driver.
Depending on your package with the insurance company, medical coverage can sometimes include payment for lost wages in cases of accidents. Should you want this kind of inclusion in your insurance, it would be best to inquire and negotiate with your agent.
Let’s support a great organization tonight.
American Legion Post 430 Merrillville
3 hrs ·
The state of Texas pays the highest expenditure for auto insurance claims as a result of hail storms. This weather phenomenon costs insurance companies in the state an average of $924 million each year.
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.
No matter who law enforcement finds to be at fault in an accident, if there are injuries involved, then medical and personal injury insurance can help. Medical and personal injury insurance makes paying expensive hospital bills your insurance company’s responsibility instead of yours.
Let’s support a great organization tonight.
American Legion Post 430 Merrillville
February 26 at 11:25 AM ·
There's nothing as bad as hearing the crunch of your car against another car and realizing you're not insured. While it's too late to do anything but pony up in this instance, you should at least learn your lesson and not go anywhere again without insuring your vehicle first.
To the lady that makes Walter Cook Insurance & Our family as strong as it is. Love You Mom. Happy Birthday 🎂
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.
No matter who law enforcement finds to be at fault in an accident, if there are injuries involved, then medical and personal injury insurance can help. Medical and personal injury insurance makes paying expensive hospital bills your insurance company’s responsibility instead of yours.
Let’s support a great organization tonight.
American Legion Post 430 Merrillville
February 26 at 11:25 AM ·
The state of Texas pays the highest expenditure for auto insurance claims as a result of hail storms. This weather phenomenon costs insurance companies in the state an average of $924 million each year.
Generally speaking, it costs less to insurance a vehicle with security and anti-theft features than it does to insure the same vehicle without them. When you need to ensure you’re getting all the discounts you have coming, we’re here for you.
There's nothing as bad as hearing the crunch of your car against another car and realizing you're not insured. While it's too late to do anything but pony up in this instance, you should at least learn your lesson and not go anywhere again without insuring your vehicle first.
To the lady that makes Walter Cook Insurance & Our family as strong as it is. Love You Mom. Happy Birthday 🎂
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.
No matter who law enforcement finds to be at fault in an accident, if there are injuries involved, then medical and personal injury insurance can help. Medical and personal injury insurance makes paying expensive hospital bills your insurance company’s responsibility instead of yours.
Let’s support a great organization tonight.
American Legion Post 430 Merrillville
February 26 at 12:25 PM ·
If you are planning to lease a vehicle instead of buying one, be prepared to pay a higher insurance premium. In addition, the dealership may require you to carry GAP insurance as well. They want to protect their investment.
Do not let your auto insurance policy lapse, as it will have a negative effect in a number of ways. Primarily it will mean higher premiums when you purchase new insurance. If you will not be needing car insurance for a while, or you change providers, cancel the old one rather than letting it expire.
Generally speaking, it costs less to insurance a vehicle with security and anti-theft features than it does to insure the same vehicle without them. When you need to ensure you’re getting all the discounts you have coming, we’re here for you.
There's nothing as bad as hearing the crunch of your car against another car and realizing you're not insured. While it's too late to do anything but pony up in this instance, you should at least learn your lesson and not go anywhere again without insuring your vehicle first.
To the lady that makes Walter Cook Insurance & Our family as strong as it is. Love You Mom. Happy Birthday 🎂
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.
Some insurance plans and options can protect your car and wallet even if you are hit by an uninsured driver or experience a hit-and-run.
Indiana Department of Revenue
March 22 at 4:33 PM ·
DOR has extended the individual income tax filing and payment deadline to May 17, 2021. Read more: http://ow.ly/T5Tk50E5z6k
Is it more expensive to insure a sports car than a sedan or van? That would depend on statistics such as the accident rates for each of those vehicle models, how often each model is stolen and the average cost to repair each vehicle after an accident.
If you are planning to lease a vehicle instead of buying one, be prepared to pay a higher insurance premium. In addition, the dealership may require you to carry GAP insurance as well. They want to protect their investment.
Do not let your auto insurance policy lapse, as it will have a negative effect in a number of ways. Primarily it will mean higher premiums when you purchase new insurance. If you will not be needing car insurance for a while, or you change providers, cancel the old one rather than letting it expire.
Generally speaking, it costs less to insurance a vehicle with security and anti-theft features than it does to insure the same vehicle without them. When you need to ensure you’re getting all the discounts you have coming, we’re here for you.
