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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Personal Injury Claims: When Do you Need a Lawyer?
In cases where there are severe injuries, toxic exposure, or malpractice, you will need a personal injury lawyer. However, there are also instances when you don’t need a lawyer. Although you might need a lawyer to represent you in court if there are complex legal issues that need to be handled, other injury claims might […]
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 […]
Get Personal Injury Help in Southern California and Arizona from RS Law Offices
If you live in Southern California or Arizona, and you’ve been injured in an accident, you may have a right to seek compensation. If you’ve suffered a personal injury, you’re going to have some questions, and navigating those concerns is all but impossible to do on your own. You not only have a right to […]
Five Products for Increased Pedestrian Safety
While pedestrians typically have the right of way in most places, that doesn’t automatically make everyone around you a better or safer driver. As pedestrians, we have to activelypractice safety in order to make sure that we are the ones most responsible for our personal safety. Staying aware of our surroundings is always step number […]
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. […]
Scooter Safety
Since the program began in 2018, when the city of Los Angeles legalized scooters and made a plan to distribute more, they have been a ubiquitous addition to the city streets. Touted as a boon to lower-income people who would have difficulty purchasing and maintaining cars, the scooters were a popular initiative. They were approved […]
Slip and Fall Injuries in Arizona and California
In desert climates especially, some property managers have a tendency to not count on inclement weather when it comes to the upkeep of their properties. This means that, over time, things like rain and seismic shifts can slowly wear away at all kinds of surfaces, making them unsafe to walk on. While property managers may […]
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 […]
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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