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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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 […]
Five Products for Increased Automobile Safety
It should be no surprise that in Arizona and California, with the increasing dependence on cars, automobile accidents are increasingly likely. In the event of an accident, you want to have as many bases covered as possible – from minor repairs you can do yourself to getting yourself out of harm’s way as quickly and […]
Winter Rideshare Safety Tips
Winter driving is no joke in general. Everyone needs to slow down and be sure to take the proper winter driving precautions, but if you drive a rideshare, your point-to-point driving makes you more vulnerable to getting in an accident than if you were simply driving to and from work. Add to this the dangers […]
Ridesharing and Car Accidents
Ridesharing services like Uberpool and Lyft are a pretty popular way to get around. According to surveys, the ridesharing industry will reportedly have a market value of over $220 by 2025. However, this increasing popularity is no surprise, as ridesharing services are convenient and cheap. However, while convenient, ridesharing services are not all sunshine and […]
Pitbulls in California
While they are known for being loving, playful, and effective as guard dogs; Pitbulls are also known for their aggressive and even dangerous demeanor. Because of their prevalence and their mixed reputation, some cities and states have deemed it necessary to enact special laws and provisions about this breed. These laws are usually made up […]
Tips for Driving in the Rain
Especially in areas like LA, where rainfall is not as popular an occurrence, drivers can seem to lose their minds as soon as the first drop hits the pavement. Every year, an estimated 21% of all crashes are related to weather conditions. You need to keep yourself and your family safe on the road, no […]
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 […]
Personal Injury – Why You Should Never Wait
We’ve all been told to “walk it off” before. Whether it’s for a pain, injury or just not feeling well, a lot of people will be there to tell you it’s probably nothing. And while it is important to keep a positive mindset, you should also pay attention to your body and not push yourself […]
Causes of Motorcycle Accidents in the United States
Whether due to size, or footprint of the motorcycle, or sheer stability, or a combination of these factors, motorcycles are much more likely to be involved in an accident than other automobiles. Certainly, in some cases, this is a visibility issue as well, with many drivers of other automobiles not looking in their blind spots […]
Five Apps for Increased Road Safety
Staying safe on the road is more important as more and more cities become increasingly dependent on automobile transportation. Increasedroad safety is about diligence and attentive driving, but there are also ways to “gamify” or in other ways incentivize safe driving, through smartphone apps. Here are five apps designed to keep you less distracted and […]
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