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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The Most Common Types of Motorcycle Injury
The Most Common Types of Motorcycle Crashes According to the National Institute of Health, there are four main types of motorcycle crashes. Distinguishing these by category helps determine patterns that can later be used to help treat such accidents. The four main types are: The Most Common Injuries on a Motorcycle In the same study, […]
Apps for Increased Rideshare Safety
Rideshares can be fun and convenient, but if you’re putting your life in the hands of a stranger by taking a rideshare, you’ll want to feel safe. No one wants to be put in a situation where they feel unsafe or lost, or where they might end up in a ridesharingaccident. Here are some apps […]
Five Slip and Fall Facts
The more we have to go out into the world, the more dangers we’ll face. The key is not to be worried about it, but to be prepared and act safely. It also helps to know what to do and who to contact in the case of suffering a slip and fall injury yourself. Avoiding […]
Four Arizona Workers’ Compensation Tips
If you live in Arizona and you suffer an injury while on the job, you should know your rights, in terms of representation, potential compensation, and the laws surrounding workers’ compensation. You should make sure to seek proper medical care, as well, and be certain to keep records of communications and treatments for future reference, […]
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 […]
Tips for Avoiding Motorcycle Accidents
Motorcycles as a mode of transportation are inherently moredangerous than others. Because of this, motorcycle drivers have an extra onus on them to be the safest drivers possible. Many motorcycle accidents are caused due to careless motorcycle driving, and while you may think you’re one of the safe ones, anyone can be caught off guard. […]
Workman’s Compensation — Beyond Physical Accidents
Every year in California, we see workman’s compensation claims that stem from traumatic injuries, accidents, and even accumulative physical strain. But what about the more subtle effects that can harm employees over time? Let’s take a look at toxic exposure in the workplace and what it means for you as an employee. If we are […]
Holiday Travel Safety
As we get into the holiday season, it’s a good time to think of some relaxing times spent at home with loved ones. Having a nice meal, meeting new spouses and grandchildren, or just coming together finally after a long time apart- it is a period of joy and togetherness. For these reasons and more, […]
Finding the Right Mechanic
In a state like California, which is full of drivers, it is interesting that finding a trustworthy mechanic is such a difficult task. There are many inscrutable technicians out. It is not uncommon to be informed, months after the supposed installment, that your “brand new brakes” have actually never been changed. And, surprisingly, even in […]
Five Types of Truck Accidents
Trucks are paramount to our country’s economy. Over 15 million trucks move across the country, transporting consumer goods from one state to another every day. But despite their essential place in our society, trucks are pretty dangerous and pose a high risk to every road user. It pays to know the different types of accidents […]
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