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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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: New State, New Policy.

Posted by Joshua on Monday Feb 25, 2013 Under Insurance Tips

Every state has a different take on auto insurance and auto insurance laws, regulations and requirements. This is true for drivers, as well as insurance providers. Some policies are viable driving through any state, in fact, most of them are. When planning a long distance trip, or work in another city, it is a good idea to check the local insurance laws and regulations. When moving to a new state, getting a new policy is inevitable, but you may have some wiggle room or even be in a better position than you were before.

Some states require residency after a certain amount of time, so even working in them temporarily can run you afoul of local insurance regulations. For example, due to transient entertainment industry labor, California expects residents for more than 10 days to declare residency. That makes anyone who wants to be completely compliant to California laws and regulations responsible for declaring themselves a resident, and acquiring a new insurance policy. Not every state is this adamant, but they can vary quite a bit. It’s a good idea to do some basic research on the local insurance requirements of any state you plan to be in for more than a few days.

When you move to a new state, you need a new insurance policy. Auto insurers are typically unable to offer insurance across state lines. This means even a national insurance network or company will require you to end a policy in one state and acquire a new one in your new state. This can be a great time to renegotiate rates, and get a better price. If you stay with an insurance provider, make sure to ask them about the possibility of a reduced rate. If you are forced to find an entirely new provider, shop around and research the local market.

When moving to a new city, or even working in one for awhile, make sure you understand all of the local insurance rules and regulations. In many cases, ignorance of the insurance requirements is not a good defense. If you do move, try to ensure you get a lower rate in your new location.

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