Keeping everything with your vehicle in the best shape can seem like a job with a lot of moving parts. Maintenance, safety, registration, insurance, etc.! While keeping your insurance on auto-draft every billing cycle is a great way to keep it out of sight and out of mind, it can also be a great way to be missing out on potential savings, or at the very least missing out on perks that you are eligible to be receiving. These are the three most important ways to ensure you are getting the most value for your insurance policy payments.
It is no news to anyone that being at fault for even a minor accident can cause your insurance rates to go up. When an insurance company finds you to be more of a liability, they hedge their bets by charging more upfront to cover you in the future. It also doesn’t stop at just accidents; excessive traffic violations can also increase your out-of-pocket cost. Some insurance companies even offer additional discounts this way by allowing tracking of your vehicle for a short period of time and calculating your driving style that way.
Staying with your insurance company is an easy thing to do, but it might mean you’re missing out on promotions that other companies are running. Every time your policy is up for renewal, shop around for quotes. There are several different companies that offer quotes from various large insurance companies. You can also call local agents to see if they are able to get you a better price with their companies than you can without their representation.
What perks does your insurance company offer you? Do they offer roadside assistance, or can you bundle in other insurance needs (home, renters, etc.) at a very minimal cost? Sometimes two companies can offer you insurance at the same rate on paper, but one can offer significantly more perks that increase your benefits. When shopping for new policies or renewing existing ones, be sure to see what add-ons are available and be sure to use them! If roadside assistance is offered through your insurance policy, you can save money every month by not needing a second AAA package, for example.
If the unfortunate happens and you end up in an auto accident, negotiating with an insurance agent can be an overwhelming ordeal. Communicating with agents representing you and any other parties, adjusters, getting rental cars sorted, handling any possible medical bills or auto maintenance and repair tasks, it can all be a lot. We are experts in navigating this process and will advocate for you to ensure you get the greatest care possible to get all your needs taken care of. We will also negotiate to get the highest dollar possible so that going forward you are able to recuperate any of your losses and be set up for success with your recovery.
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Commercial Truck Accidents
While it may not seem like it, there are bigger differences when dealing with a truck accident than just the size of the vehicle. Although they are well insured, companies with commercial trucks will fire back at you with a whole legal team to avoid paying out for damage, injury, or even death. This is […]
Winter Bicycle Riding Tips
With cold winds in your face and slick surfaces to navigate, the winter is not the ideal to ride on your typical bicycle. Many of us use a bike as our regular transportation, and some of us have our bikes tricked out for winter riding, as well. In order to make the most of your […]
What You Need to Know about Pain and Suffering in a Personal Injury Case
After a personal injury, you’re typically entitled to claim compensation for two types of damages; economic and non-economic. Economic damages are usually easy to quantify, and commonly include medical bills and lost wages. Non-economic damages on the other hand are difficult to measure, and often include pain and suffering. But what exactly is pain and […]
Clearing Up Workers Compensation Misconceptions
If we hear the term “workers comp,” we probably feel like we understand the basics – if you get hurt on the job, you file for workers comp, you get time off to heal and hopefully a little extra something along with your salary to make it all easier. In an ideal world, sure, it […]
Five Products for Increased Bicycle Safety
Bicycle accidents are unfortunately increasingly common in both California and Arizona, causing many to seek damages to compensate for their losses. Defensive driving and being aware of your surroundings are the best tools for safety, as is making sure your bicycle is properly maintained, making sure to wear a helmet, and obeying all street laws […]
Dog Bites: Your Dog and Compensation Law
Many people who experience severe injuries from dog bites usually wonder whether it is worth the hustle to pursue legal redress. Most fear they are a small minority and decide to suffer in silence. However, the truth is that dog bites are shockingly common and are among the most frequent types of personal injury lawsuits. […]
Safety and Defensive Driving Tips for Truck Drivers
The old saying goes, the best offense is a good defense. According to research, accidents caused by big rigs or the 18-wheelers have increased by 52% since 2009. Safe and defensive driving involves saving lives, time, and money regardless of the conditions around you or other road users. Defensive driving for truck drivers goes beyond […]
Defensive Driving Courses in California
Driving is one of those things most learn as a teenager and then never really think about again. Most people don’t realize that driving classes are not just helpful for continuing your driving knowledge, they are also applicable for many practical situations as well. Let’s look at some of the benefits of defensive driving courses, […]
Dealing with Dog Bites
Dog bites, dog attacks and maulings by dogs are a problem the world over. Sometimes these injuries can be fatal. They tend to affect children most (most children have been bitten by a dog they know by age 11), but can happen to anyone. It can be helpful to understand some techniques for avoiding dog […]
Types of Damages in a Motorcycle Accident
Motorcycles are an easy, exhilarating way to get around. No getting stuck in traffic and you can hit the gas pedal to the max. Exciting, right? Well, here’s the catch; although exciting, motorcycles are incredibly dangerous. A report by the Insurance Information Institute shows motorcyclists are usually 27 times more likely to lose their lives […]
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