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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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 to Know About Arizona’s Lemon Law
Like many other states, Arizona has a Lemon Law in place to help protect consumers who buy faulty vehicles from being stuck with them with no recourse. Arizona’s lemon law, though, is a little different from other states, with certain restrictions in place that are specific to Arizona. Here are a few basic guidelines to […]
Five Things to Check Before a Car Trip
Before a long car ride, we are talking anywhere from 100 miles and up, there are things to check out. Having a good mechanic is key if you are lucky enough to find one. But it is also essential to have some idea of what makes your car run safely, at a basic level. We […]
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 […]
Car Airbag Injuries: What You Need to Know
Car airbags are designed to save lives in the event of a car crash. They are among the most innovative, auto-safety features of recent decades, and have even been proven effective in reducing driver mortality. However, even though efficient, airbags are sometimes the reason behind fatalities. We explore various airbag defects, the type of injuries […]
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 […]
Stay Safe in Hybrid and Electric Vehicles
In the history of cars, hybrids and plug-in electric vehicles are still essentially brand-new. With new technology comes a new way to look at transportation. This includes an eye toward safety – anything new in automobiles is going to require a new understanding of how they work, what the dangers are, and how to maintain […]
Who is Liable in a Motorcycle Accident?
Motorcycles provide less inherent safety than vehicles. As a result, motorcycle accidents have a greater impact on the motorcyclist than a motorist driving a car. According to the NHTSA motorcyclists are 28 times more likely to die than car occupants in a crash per vehicle mile traveled. Identifying the party at fault is critical to […]
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 […]
Top 5 Reasons Why You Need a Personal Injury Lawyer
Accidents happen almost every time and sometimes so fast that you don’t have time to figure out the way forward. True, you might end up feeling stressed up because of the piling medical bills. The pilling finances might drain you, thus rendering you unable to work. Statistics reveal that more than 31 million people are […]
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