Insurance Tips: Slow Down and Buckle Up.

Posted by Joshua on Friday May 24, 2013 Under Auto Glass, Insurance Tips

A few basic auto insurance tips have to do with general auto safety and legalities. It’s a good idea for drivers to pay attention to their speed and make sure they buckle their safety belt. Driving at a safe speed protects the vehicle from all kinds of damage while protecting the driver from law enforcement. Likewise, keeping the safety belt buckled while driving protects drivers from accidents and from tickets. Both maintaining safe speeds and buckling up can prevent major increases in insurance rates.

Drivers speed regularly on surface streets and highways all over America. As far as breaking the law goes, traffic citations are the bottom of the barrel. Seeding tickets can immediately increase a driver’s insurance premiums. Multiple tickets can and often do result in multiple increases to insurance rates. Drivers are advised to maintain a safe speed at all times. Driving at a safe speed has an added benefit of prevent auto glass and auto body damage due to high speed debris impacts.

Everyone has seen the adds that read “Buckle up it’s the law.” They have popped up nationwide in the last two decades. The fact is local governments make huge revenues on seat belt related tickets and the crackdowns are under way. Drivers can avoid rate increases by simply buckling up and avoiding this kind of ticket. Buckling up can protect a driver in several ways beyond law enforcement. No one wants to have an up close meeting with their auto glass.

It’s not terribly difficult. Drivers can save time, energy stress and money by following these basic insurance tips. Slowing down and buckling up can protect drivers from auto glass related injury and from rate increases due to tickets.

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Most drivers opt for the lowest deductible that they can manage and still have a good rate. Some drivers are even willing to pay a high monthly rate in order to pay an extremely low deductible in the wake of an unexpected accident. This isn’t necessarily a bad idea, but for thousands of drivers it is a huge waste of money. Drivers who are only on the road infrequently can save a bundle by accepting a high deductible.

For drivers who are on the road frequently, especially on the road in high traffic lanes, a low deductible probably is the better idea. For drivers in rural areas, urban drivers who use other methods of transportation and older drivers who only use the vehicle for errands that only take them a short distance, a high deductible plan can be a great idea. A driver with low risk can make much better use of a high deductible plan and will save quite a bit on their monthly rate.

A high deductible means that a driver will pay more in an accident than a high cost plan with a low deductible. Drivers that have a deductible in excess of $500 are advised to keep some money held back just in case of emergencies. Accidents do happen and even if a driver is in a low risk zone and there is no way to be prepared for every other driver. Saving a deductible payment is a smart move if you’ve saving on monthly payments.

Many drivers can take advantage of a high deductible plan. Short distance drivers and infrequent drivers can save hundreds or thousands of dollars with a high deductible plan. Many insurance companies charge extremely low rates with high deductible plans. Just in case of emergencies, drivers are encouraged to keep some cash back to help with the payments on a high deductible plan.

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Spring and summer are auto glass repair season for thousands of drivers around the united states. Weather and roadside debris can be rough in the winter and fall and do often lead to a wide range of auto damage, but summer tends to see even more auto glass repair and replacement work. More drivers take to the roads in the spring and summer, and more recreational vehicles have glass problems that require a mobile auto glass repair specialist. Drivers that have put off auto glass repair and replacement because they haven’t been using the vehicle in the fall or winter tend to have repairs taken care of in early spring and summer.

Drivers take to the road in droves in the spring and summer months. Vacations, camping trips and, day trips are all popular reasons to drive take road trips, sometimes extended one. That kind of action on the roads means auto glass damage is a regular occurrence in the spring and summer. Drivers are advised to keep appraised of the local auto glass repair centers in case of an accident.

Many drivers need a reputable auto glass company early in the warmer seasons, and for many drivers this means mobile auto glass repair providers are the best option. Drivers can often find a quality mobile auto glass provider even if they haven’t prepared ahead of time. Looking for local auto glass specialists with an online instant quote is a great way to find an auto glass repair specialist in a pinch.

Summer also means it’s time to repair and replace glass on regular and recreational vehicles. RV’s, campers, ATV’s, boats and other vehicles all have glass damage. Most of the damage occurs in the spring and summer and is best handled at the time of the incident, but it doesn’t always shake out that way. Mobile auto glass solutions are always a great idea for vehicles that can’t make it into a standard repair shop.

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Local insurance providers are often the best options on the market and can provide outstanding values. Everyone knows that national auto insurance companies are more than happy to take their money. The sheer amount of commercials for auto insurance is a pretty big hint that it’s a buyers’ market. Many drivers never stop to consider the smaller, local auto insurance providers when skipping straight to the national networks. This is unfortunate as drivers can often save quite a bit of time, money and energy.

Insurance is only available state to state, so many of the national “chains” of insurance simply refer drivers to a large state office. Many smaller branches and offices are often available, and the local insurance provider isn’t always on the radar. Local insurance branches tend to offer quality, personal service at rates than can meet or beat the national brands.

Local providers know that the size of their client base is often directly related to the rates they can provide. This means that local providers tend to run a lean business and provide as much value as possible to their clients. Local insurance providers can often offer lower rates and a variety of amenities that major branches might not offer.

Local branches tend to be run by one or two insurance agents, who will work to assist the customer in any way possible. This means a far more personal and direct service than dealing with a national brand with a 1-800 number. Local insurance agents pride themselves on low costs and understandable insurance policies. The next time you need to renew insurance, make sure to check in to your local auto insurance providers.

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Mobile auto glass repair has more than a few benefits. A typical mobile auto glass technician can repair chips cracks and dings in a wide range of laminated glass surfaces. In many cases, this includes glass damage around the home. When calling for mobile auto glass repairs, it is always a good idea to mention any other glass replacement or repair or replacement you may need. Even if the auto glass specialist doesn’t have the repair materials you need, they can probably point you in the right direction. Many auto glass specialists can perform additional services on site as well, including window motor repair, wiper replacement and, in some cases, window tinting.

Make sure to ask your auto glass repair technician or service what all types of service they provide, as they may be able to save you time and money, as well as fixing or replacing your broken auto glass. Many auto glass repair services tend to stock a wide range of glass and may be able to provide new glass table tops, windows or other basic glass work for the home. Small chips, cracks and dents in home glass can also be repaired by an expert auto glass service technician with the proper tools.

Beyond actual glass repair, mobile auto glass specialists can often repair auto glass components like motors, window assemblies and cracked or broken mirror components. Even if an auto glass specialist can’t perform home glass repair, they likely can point customers in the right direction to get the glass repairs they need. Auto glass specialists can almost always perform any and all auto glass repairs or replacements on site. Usually on site work is even cheaper than going to a non-specialist shop to have auto glass work done in the first place.

 

 

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Insurance Tips: Shop Around to Even the Odds.

Posted by Joshua on Monday Apr 22, 2013 Under Insurance Tips

Sometimes drivers stop shopping around for an insurance policy just because they’ve found one that works, but this can cost drivers hundreds of thousands of dollars in the long run. You shouldn’t assume a vehicle insurance policy will continue to be the best, just because it was a great value at time of purchase. Insurance companies often have rates that can vary considerably over the course of a policy. Beyond that, insurance companies are notorious for not offering new discounts or deals on rates to existing customers. Instead, these types of specials are only offered to new customers to draw them into business with the company.  Shopping around every year for the best vehicle insurance policy evens the odds that you’ll find one at the right price for you.

While an insurance company may have given you the best rate they could offer last year, they won’t automatically give you this same better rate this year. In most cases there is no way for a driver to get the bonuses and rates insurance companies offer new drivers. If you want the best value that the new yearly bonuses and plans offer, you’ll probably have to go to a new company to get them. On rare occasions, informing your existing insurance company that you are going to be cancelling the policy can make up some of the difference, as they may have incentives for you to stay on board. Normally, these incentives will still fall short of what new policy holders are offered in the initial period.

Shopping around every year for the best insurance policy can take time, but can also mean major savings. Taking the time to research, and calling around to see what all offers are on the table when it comes time to renew your vehicle insurance is a great way to save money in the long term. Don’t feel bad, or like you owe loyalty to one particular insurer. Just like you, they are looking to save the most money possible every year.

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A mobile auto glass repair specialist can often provide several solutions to help drivers with their spring travels. Traveling across the country for the spring is a time honored American tradition. Most adult drivers know that it’s a good idea to have a vehicle checked over before a long spring trip, including the auto glass components. Unfortunately, spring weather can often be erratic and include all manner of storms, making windshield damage on the road a terribly real possibility. The increased traffic due to spring break can also lead to glass damage. A driver can save themselves time, money and headaches by calling a mobile auto glass repair specialist. A mobile auto glass specialist can get them back on the road with new auto glass quickly and efficiently.

Spring break means trips for teenagers, adults and whole families. This can be anything from a classic country camping trip, to an extended spring break road trip. Experienced drivers will typically have the car inspected thoroughly before driving any significant distance, but that won’t always show weakened or stressed auto glass. Even if the glass is in perfect order when the trip starts, shifts in weather may cause any number of weather conditions that cause auto glass damage. Hail is common through large portions of the Midwest that drivers often have to deal with it over the spring.

With increased travel comes all manner of increased mayhem on the roads. Spring break often means drunk drivers, road debris and erratic traffic. That’s a combination that easily leads to broken and damaged windshields. This can end spring break fairly quickly for drivers who aren’t sure what to do in this type of emergency situation. Drivers do have options though, especially if the damage is only to the auto glass.

Mobile auto glass specialists are available for just this type of emergency. Instead of paying obscene prices for a long distance tow or a tow to an unfamiliar shop, drivers can call a mobile auto glass specialist to perform the repairs or auto glass replacement at the site of the accident. For drivers who have traveled out of state for a vacation, this can literally mean thousands of dollars and countless hours saved. In many cases, that can save the spring trip entirely.

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Insurance Tips: One Policy Per Family.

Posted by Joshua on Monday Apr 15, 2013 Under Insurance Tips

Bundling all of your family together into one family auto insurance policy is just good sense. Insurance companies often offer a deduction on each person the policy covers in family auto insurance, leading to significant savings over the course of a policy. Newlyweds often leave both of their vehicles on separate policies. This can be a mistake and lead to significant money loss. Parents who get a new-to-the-wheel teenager a separate policy can also expect to pay through the nose on the youngsters premiums. With multiple children driving, this can be even truer. Insurance companies are often happy to bundle more than one type of insurance together as well, for families who need multiple insurances.

Even there is money, to be saved by combining insurance policies. Some insurers offer discounts on the overall cost of the policy to married people. Almost all policies will cost less per head if all of the policy holders and vehicles are on one insurance policy. In the rush of a wedding, moving in together and beginning a new life, it can take months, or years, to combine all of the finances. In many cases, this isn’t a terribly tremendous deal, but with car insurance it typically means missing out on savings.

When the kids learn to drive, parents sometimes think the better options is getting several policies instead of one large family insurance plan. While this can protect an increase in premiums if the teenager is accident prone, overall it tends to costs hundreds or thousands of dollars more over the course of the policy. Parents with good driving records can almost always save money by adding the new drivers directly onto the new family policy. With multiple teens under one roof and in one fleet of vehicles, this adds up to even more savings.

Families who need multiple insurances will find that insurance companies are often extremely happy to work with them. Policies on all types of vehicles like boats, all terrain vehicles and motorcycles can typically be rolled into one policy or at least “bundled” for savings on each policy. For families with several vehicles, as well as families that own property, this can lead to considerable savings.

Just remember, a single family usually only needs a single insurance policy. Newlyweds are encouraged to combine policies as soon as possible for maximum savings. When it comes to teenagers, keeping all of the car insurance policies in the family is almost always the best option. Smart consumers can save extra money by bundling other insurances to their existing automotive insurance.

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There is no need to call for a tow when you could call for mobile glass repair. Drivers often feel like calling for a tow adds insult to injury. In addition to whatever problems the vehicle is currently having, and the costs to have them fixed, a towing service can add anywhere from fifty to one hundred and fifty dollars in costs. For mechanical, electrical and other problems that prevent the vehicle from being driven, this can be unavoidable. For auto glass damage that prevents driving, there is a cheap and simple solution in mobile glass repair. Mobile glass repair services can perform glass repair, or replacement, on site. Many mobile glass specialists offer significant discounts beyond the savings of time and money that having them come to you can provide.

Mobile auto glass specialists are typically available in urban areas as well as many rural communities. If one is not immediately nearby, calling the nearest mobile auto glass specialists in an urban location can’t hurt. A mobile glass repair service will often travel beyond the confines of a city or small community to help drivers in the region. Mobile auto glass service is almost guaranteed to be cheaper than calling for a tow. Most auto glass specialists also offer significantly lower rates for glass repair and replacement than full service shops. If your vehicle has auto glass damage that prevents it from driving, like major cracks, shatters or gouges, a mobile auto glass service can save you time as well as money. Call a mobile glass repair service before you call for a tow.

 

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Insurance Tips: More Vehicles, More Savings.

Posted by Joshua on Monday Mar 4, 2013 Under Insurance Tips

One quick way to save money with auto insurance is to make sure that if you have multiple policies, you are grouping them all through one insurance provider. In almost every circumstance, an insurance company will offer discounts if you group multiple vehicles together. This can offer enormous savings to families, businesses with automotive fleets and anyone who owns multiple vehicles or needs multiple policies. This type of bundled insurance savings is also typically available with different types of policies. Homeowners and renters can often benefit from these increased savings as well as multiple vehicle and vehicle fleet owners.

Insurance providers of all sizes can benefit by offering multiple policies to one client. Each insurance policy you pay into typically means a fair amount of profit for an insurance company, in exchange for offering you a financial safety net in case of an emergency. By offering consumers a discounted rate on individual policies. an insurance company earns the profits on each of the policies annually. Auto insurance policies for cars, boats, commercial and privately owned vehicles are all easily bundled by many insurance companies. Many renters insurance and homeowners insurance policies can be bundled as well, offering drivers another way to save.

If you have multiple vehicles in your family, or your home based small business uses multiple vehicles, bundling the policies is an enormous money saver. Even in families with just one vehicle and renters insurance, the savings can add up quickly over the course of a year. The more policies you use with one insurance carrier the more that carrier stands to profit, so it’s good business for them to offer discounts for bundling policies together. If you have multiple insurance policies with different providers, ask your preferred provider if they offer a discount for bundling services.

 

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