Tips to Save on Auto Insurance

Posted by admin on Monday Nov 16, 2015 Under Insurance Tips

Car insurance laws vary from state to state, but all states include some type of car insurance coverage requirement. That means almost every driver is looking to save a little money on their auto insurance. If your vehicle is damaged or you’re in an accident, car insurance can protect you, your family, and your vehicle.

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Understanding exactly what type of insurance is required and value shopping for that insurance goes a long way. Looking for discounts in the long term is a good option as many competitive insurance companies offer different discounts and rewards. Discounts are often available for non-smokers, college graduates and drivers with good credit ratings. Companies can also offer discounts for certain age groups, not having accidents or maintaining proper speed as checked by an in-car sensor.

The key to getting the most value out of insurance is knowing what’s required by both the state and the driver. Bodily Injury is the minimal requirement in many states, but drivers might do better with a slightly enhanced policy or comprehensive coverage. This depends largely on the risk of other vehicles in a location and a number of other factors. Once a driver knows the policy they need, shopping around both the big name insurance companies as well as smaller local firms is advised. It doesn’t hurt to actively compare rates and see if discounts are available.

 

Bodily Injury Liability: Provides coverage in case you cause an accident in which another person or people are hurt. It covers the damages that you’re legally responsible for and provides a legal defense if someone sues you for damages.

Comprehensive Coverage: Protects you against vehicle damage not caused by a collision, such as theft, vandalism, natural disasters, falling objects, and more. Most insurance companies will cover the cost of auto glass repair and replacement if you have comprehensive coverage.

For incidents that require auto glass repair and replacement services, insurance companies will more readily choose shops on an approved list or that offer a preferred rate to insured drivers. Most reputable auto glass shops preform both minor and major repair work for insurance companies and help insured drivers work with their insurance company to file a claim.

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In states such as Kentucky, Florida, Arizona, Massachusetts, New York and South Carolina, no-deductible policies are available either as part of your insurance policy or as an add-on which could reduce the cost of your auto glass replacement or even make it free to you. For more information on these Zero-Deductible States, see our Florida shop pages for Pensacola and Jacksonville and our Arizona shop pages for Mesa and Phoenix.

Drivers can look for several ways to save on auto insurance. Shopping for the lowest rate helps upfront costs. Earned discounts and savings can help with the long term costs of insurance. Dealing with reputable auto glass shops that work with insurance companies can save you both time and money.

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Taking Care of Your Auto Glass

Posted by admin on Saturday Nov 7, 2015 Under Auto Glass, Auto Glass Repair

While it’s just as important as any other type of routine automotive maintenance, auto glass maintenance is often overlooked by drivers. A cracked or damaged windshield may not prevent the vehicle from starting, but it can easily make for an unsafe drive. In many states it’s even illegal to have a broken windshield on the road, and a few even have mandatory yearly inspections which you won’t pass if your windshield is cracked or broken!

Cracks, nicks and chips in auto glass weaken the overall integrity of the
glass making it far more likely to shatter when exposed to outside pressure or extreme weather conditions. In cold or hot climates cracks will spread, and the natural stress put on the glass by driving can make a small problem get worse quickly. To prolong the life of your auto glass, avoid slamming your car doors, park in shady areas when possible, and clean your glass with a microfiber cloth.

A small chip can suddenly turn into a shattered window or other roadside nightmare, but auto glass repair and installation is easier and more affordable than it has ever been. There is no excuse for cracked or broken auto glass!

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