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.

Glass 1

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.

Glass 2

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.

Tags : , , , , , , , , , , , , | add comments

Insurance Tips: Accident Response

Posted by Joshua on Friday Dec 28, 2012 Under Insurance Tips

There are a few things every driver should do immediately in the case of an accident. There are obvious basic situation, safety and medical checks, as well as contacting  assistance as needed. Many drivers stop there, however, when they could take a few more basic precautions to ensure that their insurance rates don’t suffer as a result of the accident. After the driver makes sure everyone is safe, there are a few smart steps to take regarding your insurance company.


After any accident,  the first thing to do is to check the safety of everyone involved. Making sure everyone is conscious and unharmed should always come first. Followed by making sure the vehicle is still safe to occupy. If there are no flames, gas leaks or major dangers, waiting in the vehicle is generally the safest options. Once everyone is safe and secure it is typically then time to call any relevant authorities or emergency services that may be needed at the scene of the accident.

Many drivers will stop there, but in most cases going a few steps further can help the insurance company sort things out in favor of the driver. Calling your insurance company in the wake of an accident is often a good idea. Many insurance firms will send a field inspector out to the scene of an accident to perform the insurance investigation on the spot. Taking pictures of the accident scene and positions of the vehicle or vehicles involved can be important. Beyond these measures taking any statements of fault offered by other drivers or police reports for the insurance company will help.

Following these steps both ensure the safety of the driver and passengers, as well as the vehicle. Contacting the insurance company immediately in the wake of an accident can save drivers on an increase in premiums or deductible. Using both options suffer all around  protection for the driver.

Tags : , | add comments