What does diminished value mean on my car insurance?
Depending on its age and condition, a car that has been in a major accident generally has less resale value than the same vehicle in pre-crash condition. Even if the car repairs meet the highest quality standards, potential buyers are unwilling to pay as much for a car they know has been previously damaged. This […]
Protecting Personal Items Left in Your Car
Protecting your personal items People leave stuff in their cars every day. We drop our cell phones in the cup holder, leave a bag on the floor, and throw our golf clubs in the back seat. We’re human, so we forget about this stuff, park, and go inside. It happens. The thing is, sometimes when […]
Avoiding Flood-damaged Cars
CARFAX reports that 271,404 once-flooded cars are now back on American roads—and that’s only counting the ones on file with insurers and state regulators. Most dealers will disclose previous water damage, but there are operators who omit mentioning such history, sending cars out for sale across the country. How can you check what you can’t […]
Should companies check MVRs?
Automobile liability poses a significant potential loss exposure to all business entities. Not just from a claims standpoint, but that a circumstance could arise that could exhaust all insurance limits and further put the assets of the company at risk. Because all drivers carry with then the name and therefore the identity of the company, […]
Rental Car Damage Waiver
As agents we are often asked a number of difficult questions relating to auto insurance coverage and how the coverage will respond in various situations. One of the most frequent questions we receive is in regards to purchasing the collision damage waiver when renting a car. You know the routine. You just got off of […]
Tips for Driving in the Rain
Nearly half (46%) of all weather-related car accidents — more than 700,000 a year — are due to rain.1 As we experience more soggy weather, it’s imperative that all drivers are schooled on how they can safely maneuver their vehicle and avoid weather-related auto accidents, which often cause car insurance rates to rise. Here are some tips for […]
Choosing an Auto Insurance Deductible
In order to determine exactly how much car insurance you can afford, you need to understand what a deductible is and how it works. When buying car insurance, you must consider both the premium and your deductible when determining your budget for coverage. What Is a Car Insurance Deductible? Definition A deductible is the amount of […]
7 Factors Affecting Your Auto Insurance Premiums
1. Your Coverage And Deductibles Car insurance providers allow you to choose your deductible and decide whether to add additional coverage that isn’t necessarily required by the laws in your state. The specifics of your coverage and deductibles play a major role in your monthly payment. Additional coverage gives you added financial protection, depending on […]
Why You Should Consider Roadside Assistance
Most insurance companies offer some sort of roadside assistance coverage as part of their personal auto insurance policies. What does this coverage actually provide, though? And, is it worth the cost? Advantages of Roadside Assistance Coverage By purchasing roadside assistance, most insurance customers can expect most of the following items to be included. For specifics, […]
6 Items You Should Always Have in Your Car
Thanks to mobile phones, a vehicle breakdown is usually more of an inconvenience than a real danger. A quick call to a tow truck or roadside assistance service will usually get you to safety within a couple of hours. But technology can fail, and there are still parts of the country that aren’t covered by […]
