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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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 […]
Keeping Older Drivers Safe
A lot of us have had to have a talk with our grandparents or parents about how they are on the road. There comes a time when caring for yourself can become difficult, as an older person, especially when driving. What can you do to ensure the older person in your life is being safe […]
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 […]
Five Things to Check Before a Car Trip
Before a long car ride, we are talking anywhere from 100 miles and up, there are things to check out. Having a good mechanic is key if you are lucky enough to find one. But it is also essential to have some idea of what makes your car run safely, at a basic level. We […]
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. […]
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, […]
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 […]
Bicycle Safety in California
In a lot of ways, California is known as the driving capital of America, if not the world. Where else are so many people absolutely defined by their vehicles, their routes to work, and even their carbon footprint for transportation? The state requires some of the most stringent emission requirements across the nation and is […]
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 […]
Accidents with the Uninsured
Let’s say the worst happens and you find yourself in a serious car accident. Even if everything after the crash goes according to plan, it is a difficult and confusing process. But if you add to all this the fact that the other person is not insured, you could be left facing an absolute nightmare. […]
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