Insurance Tip: Full Coverage can Save Money.

Posted by Joshua on Monday Jul 15, 2013 Under Auto Glass, Insurance Tips

Suggesting that drivers can benefit from full coverage is a little out there for our average insurance tips. Not every driver needs, or even wants, full coverage on their vehicle. Vehicles that are still being paid for through a bank require full coverage. Many drivers opt for far less coverage than is ideal as soon as they are out of this period.

This can be a mistake, as having full coverage can save drivers quite a bit of money. This can be particularly true when it comes to weather damage, vandalism, theft and hit and run drivers. Drivers can also save money with full coverage because of the lower rate they get on each type of coverage for the vehicle. Bundling several types of vehicle insurance together allows insurance companies to offer a lower rate on each.

Full coverage means that the vehicle is protected from nearly any eventuality. This can be far more expensive than liability coverage, or any of the options in between the liability and full coverage. It pays out immediate when drivers are hit with a number of unforeseen circumstances. Drivers can’t always predict what problems their vehicle may face, and insurances help to protect from a range of potential threats.

Theft and vandalism insurance seem like wastes of money to a wide range of drivers. “No one is going to steal my car” is a common sentiment, and one drivers will regret when the vehicle is stolen. Car thieves and vandals target some vehicles randomly. Car thieves often steal some types of cars to be used in crimes and some for joyriding and resale. This means any car can be a target for theft, just like anything accessible can be a target for vandalism.

Beyond helping to pay for a new vehicle in the event of a theft, or providing repairs or repair money in a variety of situations, full coverage can save drivers hundreds of dollars over the course of a year. Full coverage policies are often cheaper than the sum of their parts, when compared overall. If a driver needs fire, theft and liability insurances, full coverage will probably pay for all the other types for free.

Full coverage is a good idea for most vehicle, when a driver can afford it. Full coverage can help a driver save countless dollars and man-hours. Even more important is the peace of mind it can bring in some of the most unfortunate situations a driver can endure. Fire, vandalism and theft insurance can all save drivers on time, money and stress. Full coverage also bundles several insurances together, allowing the driver to save even more for comprehensive coverage. That’s why full coverage is a great insurance tip for anyone who can afford it.

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Auto glass repair continues to improve and refine the basic concept of windshield repair. More often than not, these improvements are extremely easy to overlook by a driver on site. It takes knowing a little bit about windshield repair technology, and how it works, to appreciate how much better modern windshield repair is than in days past. We’ve found that drivers who know how difficult and intensive auto windshield repair has been in the past, they tend to enjoy our services a whole lot more in the present.

The earliest auto windshields couldn’t be repaired, and replacing them wasn’t exactly easy. They used large sheets of single plate glass that you couldn’t get in a rural area. Many drivers had to get the glass from the vehicle manufacturer, making it nearly impossible for a windshield replacement to be done quickly.

Plate glass was easy to break and shatter in at the driver, making driving a terrifying experience for anyone with glass damage on the road. A new design grew out of the dangers associated with a single sheet of glass. Two layers of glass, laminated together, added durability to windshield design. While the glass could break just as easily, it tended to stay in place until a replacement was available. This was a huge improvement.

It didn’t take long for motorists to develop a new way to repair windshields that didn’t shatter in the way of the old plate glass designs. It became common to repair the windshield that suffered minor damage, like a chip, gouge or small crack. A clear resin solution is added to the gouge, and then several methods remove impurities and air bubbles, theoretically leaving behind no trace of the auto glass damage.

Filling chips in a windshield has remained the primary way to deal with minor windshield damage for years now, but new technologies continue to improve the process. Vacuum sealing, newer resins and fast setting polymers can make windshield repair look better than it ever has. These same improvements have make windshield repair easier to perform on the roadside, and cheaper for customers overall.

Auto glass has come just as far as the automobile itself, in terms of design and technology. New windshields are increasingly more sturdy and safe than earlier models. New technologies for repairing windshield glass continue to grow and improve, giving drivers affordable options for windshield repair, on and off the road.

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Insurance Tip: Avoiding Problem Locations.

Posted by Joshua on Monday Jul 15, 2013 Under Auto Glass, Insurance Tips

Plenty of our insurance tips seem pretty obvious to some drivers, but simply don’t occur to some drivers. There are millions of drivers in the United States alone, and each of them has a different set of circumstances. That’s why we like to offer some insurance tips that any driver can use. One of the easiest ways to maintain a low premium is to keep the vehicle out of locations and environments that may negatively impact vehicle appearance and performance.

Parking in high crime areas, driving through dangerous thoroughfares on a regular basis or even using on street parking in certain areas can all lead to an insurance hike in the long term. If your insurer knows your vehicle is kept and driven largely in safe locations and on safe roads, it certainly won’t increase your rates. It may even be cause for a rate decrease.

Parking the vehicle in a garage can get a driver a reduction on their rates in some areas with inclement weather, as well as in high crime areas. Commercial drivers already know how much higher an insurance policy or bond can be if the vehicle must travel through difficult terrain or a hazardous area. Drivers who regularly suffer auto glass damage see a dramatic rate increase, and inclement weather can add to that damage rapidly.

Many drivers don’t realize they can get a better rate by simply taking better care of a vehicle. This means parking in a secure driveway, or ideally a garage. It can also mean avoiding dangerous driving lanes and peak driving times. Talk to you insurance agent about location based discounts and see what they can do for you.

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Insurance Tip: Habits Can Count.

Posted by Joshua on Friday Jun 28, 2013 Under Insurance Tips

Another of our insurance tips is a bit funny to explain. It’s not uncommon for a driver to have an insurance policy that they don’t understand entirely. For many drivers, this can be especially true when it comes to how an insurance company determines the final rate that a customer pays. This is becoming more and more apparent as insurance is offering real time monitoring and other options to lower rates with good driving. It’s not quite as obvious with factors like driver habits. Nearly every policy holder fills out an initial questionnaire, including several questions regarding personal habits.

There aren’t many habits an insurance company can weigh in on, but ones that stand to cause a problem for the driver almost always fit. Cigarette smoking is an excellent example of this kind of habit. Modern auto insurance companies nearly always ask if the driver is a smoker. A smoking habit can drastically increase driver liability. This can in turn raise the overall insurance rates that a driver pays in the long term.

While it may seem unfair to penalize smokers while driving, there are a few reasons it’s typically done. Smoking is a distraction before, during and after the actual smoking process. Drivers who are anxious due to a lack of nicotine are edge, and lighting or smoking a cigarette can be a major distraction. Smoking can also lead to tar build up on the windshield, which can lower driver viability. Smoking is only one such example, but it is one that is increasingly more common on the initial policy purchase.

As with all our insurance tips, we suggest you give this one a try. When you’re considering a new insurance policy, it may be time to consider changing some old habits. Insurance companies may offer surprisingly lower rates if a driver can give up smoking or other distracting habits. This is just one more trick a driver can use to save money on an insurance policy.

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Why We Hate Auto Glass Services That Overcharge.

Posted by Joshua on Friday Jun 28, 2013 Under Auto Glass, Auto Glass Repair

At Auto Glass Now we know hate is an awfully strong word. The thing is we really do feel it’s the appropriate one for businesses that overcharge for auto glass repair and replacement services. We feel this strongly because, frankly, overcharging for auto glass repair and windshield replacement gives everyone a bad impression of the industry.

Auto glass is relatively cheap when purchased in bulk and an auto glass specialist can perform the repairs for a reasonable rate. When other businesses overcharge, they make drivers dread auto glass damage. We want out customers to look forward to our low rates and excellent service.

Auto glass is expensive when bought in wholesale. Purchasing auto glass to keep on hand for repairs seems obvious. Many auto repair shops don’t have the space or ability to stock glass in wholesale. This can lead to enormous price increases between the wholesale price and what the customer pays. When coupled with ordering delays, it can make the glass repair experience downright offensive to many drivers.

Auto glass is almost always priced with a high mark up when coming from anywhere but an auto glass specialist. Multifaceted repair services can afford to charge a premium because they tend to have regular customers. While there is nothing wrong with wanting to provide across the board auto repair service, we have a big problem when the auto glass is marked up so high as to appear prohibitive.

We hate it when the auto repair industry makes auto glass repairs seem prohibitive or problematic. Auto glass repairs should be done quickly, effectively and cheaply. That’s why we offer the lowest rates possible in every single one of our locations. Auto glass now is proud to offer fair rates, excellent service and great values at all four of our locations.

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In a country full of rapidly expanding businesses, our unique auto glass service stands out for some very simple reasons. While we have a few shops around the country, we are far from a sprawling corporation. Each of our four locations hires from within its own community and keeps ties with the local community and the drivers that make those communities work. We’re proud to offer our regular deep discounts to each of our communities as well as individual offers, specials and coupons. Even though we only have a few specialist offices, we want each of our auto glass repair jobs to leave lasting good will in our communities.

With four auto glass repair and replacement services in the U.S. we’re pretty far from the big guys, even in the auto glass industry. This means we work extra hard for every one of our customers. Our mobile specialists in Colorado travel far and wide to make sure that weather related glass repairs don’t slow drivers down. Our Georgia location offers quality services at low prices and has an exceptional range of mobile repair options. Our people in Bridgeton know that Missouri offers it’s own unique weather related challenges to auto glass, and are ready to travel great distances to help.

We do have a few offices around the country, but that’s largely so we can buy glass in bulk to provide our communities the best rates possible. Combining these outstanding discount rates on auto glass, with quality local employees who care about the drivers they serve, is the hallmark of our business. We honestly want to make sure the fine people of Colorado, Georgia, and Missouri can get where they need to go. Because we are people from Colorado Springs, Denver, Tucker and Bridgeton. When you have an auto glass emergency, give us a call. We’ll gladly give you the lowest rate possible on a windshield repair or replacement.

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Insurance Tips: Get to Know Your Agent.

Posted by Joshua on Monday Jun 24, 2013 Under Insurance Tips

Becoming friendly with your insurance companies’ employees isn’t one of the insurance tips people expect to hear. Drivers often think of insurance companies and nameless and faceless entities. In many cases, drivers can even feel they have a bit of an adversarial relationship with their insurance company. Drivers pay monthly into an insurance policy, and every driver has heard the horror stories of insurance companies refusing payment out of hand.

One insurance tip we can give drivers is not to listen to all of the negative press concerning an insurance company. In fact, drivers who get to know their insurance agent and insurance adjuster typically say that they are the ones who make the recovery bearable after an accident. A friendly insurance agent and insurance adjuster can act as an advocate inside an insurance agency. Working to get you a payment after an accident, as well as to get you the lowest rates and newest offers. More importantly, a motivated insurance company can do a world of good and when dealing with the competition after an accident.

An insurance agent, particularly one from a smaller provider, can be a real help to drivers looking to buy, expand or update a policy. A concerned insurance agent can usually find several discounts, special offers and bonuses to add to the value of a new policy. This can be extremely valuable when it comes time to renew a policy as typically drivers do not receive new offers or options without inquiring.

A friendly insurance adjuster can do a world of good for a driver in a contested accident. A friendly insurance adjuster cannot do anything unethical in the process of providing aid. That said, they do tend to know the best ways to save their own company money. This means that they can work with drivers and offer coaching, advice and aid after an accident. Staying friendly with your insurance agent and adjuster is one of the best insurance tips we can offer.

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Summer is officially in full effect. As we’ve discussed before, the summer months tend to mean more auto glass damage across the board for drivers. Summer also means that summer storms are usually sitting on the horizon. Recent years have had a major increase in freak storms and severe weather that runs well into the summer months. Heavy storms can cause minor auto glass damage to turn into major auto glass damage. Even if a driver isn’t actively driving in a storm, hail, flying debris and intense winds can cause chips and scratches to turn into cracks and shatters.

Storm weather puts a severe strain on the auto glass of any vehicle. Intense barometric and wind related pressures buffet the glass, pushing it in every direction. The natural curvature of the glass provides some aerodynamic relief, but it can also be the cause of enormous stresses. When a windshield already has cracks, chips or damage these increased pressures can cause existing damage to deteriorate rapidly.

In storm seasons, we reccomend drivers ensure that their auto glass is in proper working order before they are faced with a weather emergency. While on the road in a storm situation drivers are at much greater risk that an impact will shatter an already damaged windshield. Simple auto glass repairs or auto windshield replacements can save drivers from all manner of storm related dangers.

Drivers should have auto glass issues taken care of as soon as possible in pretty much any situation. During storm season, they really need to have glass issues taken care of quickly. We’re on call all summer to help drivers with auto glass repair before storms make it worse than it has to be.

 

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Drivers always find a reason to push themselves into inclement weather unnecessarily. This is often a mistake and can lead to several problems arising in the vehicle itself as well as the insurance policy. Driving in stormy weather presents several distinct dangers to the driver, the vehicle and the insurance policy. If there is any way a driver can avoid driving through inclement weather like snowstorms, ice storms or heavy rain, they should absolutely avoid doing so.

Wet, icy and slick road conditions present a very real danger to drivers. Heavy weather can obscure visibility and keep drivers from noticing roadside objects or debris. Cars can slip on ice and snow and face several dangers. Careening into roadside objects, other vehicles and simply running off the road are all commonplace in major storms.

Storms also tend to mean heavy wind and extensive debris in the air. This can lead to both driving hazards and significant damage to the exterior of a vehicle. Hail, flying rocks and other particles that pick up during a windstorm can abrade vehicles exterior or damage the auto glass. Extreme winds, like those in major windstorms and tornadoes, can outright shatter auto glass.

All of this storm related damage almost always negatively affects an insurance companies view of a driver’s record. Drivers can end up paying higher premiums and getting less value from an insurance policy due to storm related damage. We know emergencies happen, but if you can help it, avoid driving through storms whenever possible.

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Insurance Tips: Cash That Check!

Posted by Joshua on Tuesday Jun 11, 2013 Under Insurance Tips

When an insurance company sends a payment check after an accident, weather disaster or any other event that causes damage to a vehicle it is always a good idea use the initial payment. More or less every insurance agent in the employ of a driver will tell them you the same thing. Even if the amount is lower than expected, or the amount seems to be incorrect or lower than a driver expects, depositing the initial check or using it for repairs is always a good idea. Insurance companies can be notoriously fickle when it comes to issuing a payment check and drivers are advised to cash the initial check before the other driver’s insurance company can change the terms, or even worse, cancel the check entirely.

While it may seem imprudent to accept the initial check by depositing it, many drivers will find out the hard way that a second payment may never arrive. If an opposing insurance company disputes some or all of the payment, drivers may be locked into waiting for months or years before they receive the whole or expected amount on an insurance claim. Fender benders, parking lot scrapes, casual auto glass damage are all often disputed by insurance companies. Nearly any accident that has a “no fault” outcome or lacks a police decision stands a good chance of being disputed, but a portion of a payment will often be sent out immediately.

Insurance agents across the country will tell drivers the same thing, especially in a situation where a claim is disputed or no fault can be determined. When an insurance company sends an initial payment, drivers are almost always encouraged to take the payment and use it for repairs or auto glass replacement or other installations. If the damage is auto glass specific, sometimes the insurance company will simply settle for a negotiated payment, leaving a driver free and clear as far as a deductible or other payment.

No one thinks that insurance companies are actively out to cheat customers. The fact is policies and insurance related disputes can take a significant amount of time and be fairly distressing to drivers who haven’t dealt with it before. When insurance adjusters determine an initial sum, it can be difficult to change that estimate. Most insurance agents on the side of a driver will always tell them to cash the check the other drivers’ insurance has tendered.

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