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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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 […]
Car Specific Repair Issues: When to Invoke California’s Lemon Laws and How RS Laws Can Help
Car specific problems are the leading cause of recalls by most automakers and dealers globally. Last year, for instance, over 20,000 units of Volkswagen Golf MK.8 were recalled because of a software bug. Earlier this year, Volvo stated that they were planning to issue a recall for some of their cars. How do such car […]
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 […]
Motorcycle Safety Tips for Cold Weather
Driving any vehicle in cold weather and especially snow is going to make for a much more difficult time than driving in dry, comfortable weather. With enough preparation and all of the right gear, it is possible to mitigate many of these problems, but without them, you run the risk of a deadly accident. Before […]
Great Motorcycle Roads in Arizona
There’s no freer way to see the great state of Arizona than to travel it by motorcycle. Being one of the last gateways to the West Coast, our streets are manifold, so your options are virtually endless. Whether you’re touring to see the mountains, the wildlife, the succulents or other plants, or just visit towns […]
Five Helpful Facts and Tips About Pedestrian Accidents
The pedestrian fatality rate in Arizona is more than double that of the national average, at 1.61 pedestrian deaths per 100,000 people. Most of these are male pedestrians, killed at a rate of almost three times as much as female pedestrians. Keeping pedestrians safe is everyone’s job, but as a pedestrian, you should understand the […]
Driving on the 101
Living in California, there is a big focus on driving. With everyone rushing off to work, sitting in traffic, or getting around to see people, it can be easy to forget how much fun the open road can really be. As we swing towards the end of summer, you want to set aside some time […]
Top Three Scenic Motorcycle Routes in California
California is among the most beautiful destinations in the country. The raw beauty of our state is part of the reasons why myriads of people move here every day. From miles of pristine beaches, breathtaking lakes, picturesque deserts, to rugged but awe-inspiring terrains like Yosemite, the geographic diversity of the Golden State is simply mesmerizing. […]
Winter Slip and Fall Accident Tips
Whether your winter is cold and snowy or just plain cold, winter is a time when slipand fall accidents are increasingly likely. Cold, wind, ice and snow are problems on their own and when they combine, it’s a perfect storm of injury possibilities. Typically, these conditions result in bruises and bumps, but there’s always the […]
Defensive Driving in Arizona
Learning to drive defensively can be an effective skillset for any driver, anywhere. With collision-related deaths in Arizona going up from 2019 to 2020, from 980 to 1,057, now is a good time to keep in mind your safety and the safety of those around you while on the road in Arizona. Of course, many […]
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