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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5 Ways Parents can Encourage Safe Teen Driving
For teenagers, getting a driver’s license is a significant milestone. It marks the beginning of independence and instills a sense of responsibility. Most teen parents often share their children’s excitement but remain equally apprehensive since they’re well-aware of the dangers that come with driving. And they do have a perfectly valid reason to fret because […]
The Car Crash and the Headache
As we slip into the cooler months, and there is more possibility of rain, it is important to keep safe on the road. Accidents happen, especially when it is raining out there in the desert. You know how to be safe – taking extra time on slippery surfaces, making sure you have your car inspected […]
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 […]
Five Helpful Facts and Tips About Motorcycle Accidents
Motorcycles are specialist machines. They require their own licenses, training and a specific discipline for driving safely. Learning to drive defensively on a motorcycle can be more difficult than doing so in an automobile. Each year, there are 2,907 total motorcycle crashes, 2,274 of which result in injuries and 156 of which result in some […]
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 […]
Introducing MADD
As it says on their website, “the mission of Mothers Against Drunk Driving (MADD) is to end drunk driving, help fight drugged driving, support the victims of these violent crimes, and prevent underage drinking.” And these mothers and their supporters work tirelessly to improve policy and law-making, and they are a force to be reckoned […]
Car Accident Compensation Laws in California
Every year, careless and reckless drivers cause many accidents leading to severe injuries and death countrywide. In California, car accidents are due to the state’s large population and a high number of vehicles. On numerous occasions, irresponsible drivers always get away with their mistakes. Luckily, there are compensation laws in California aimed to hold at-fault […]
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 […]
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 […]
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 […]
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