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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Insurance Tip: Cover Your Vehicle.

Posted by Joshua on Monday Aug 19, 2013 Under Insurance Tips

Protecting your vehicle is one of the simplest ways to keep your insurance rates low. Ensuring that the car or truck is protected from the elements and other external factors can prolong the value and help to preserve insurance. Like our earlier tip to use your garage if you have one, simply keeping the vehicle protected from the elements. Even without a garage, drivers have options to cover up and protect their vehicles. A tarp, overhang or simple covered parking can protect your vehicle from inclement weather and animals, each of which can scratch, chip or abrade paint and auto glass.

Minor damage adds up. When it comes time to call on insurance, the way the damage occurred can be a very real factor. If a driver has taken at least minimal precautions to keep a vehicle from suffering damages, the insurance company may be more favorably inclined to make a payment. If a driver repeatedly suffers exterior vehicle damage and has not taken any pains to prevent a from occurring again, that the driver may have some big problems with the insurance company. This can mean an increased insurance rate or premium, or a refusal to pay to repair the damage to the exterior of a vehicle.

Auto body damage and auto glass damage are common when a vehicle is left unprotected and exposed to the elements. Insurance companies know this, and generally expect drivers to take precautions to protect their vehicles from this type of exposure based damage. Scratches from animal claws, damage from hailstorms or high winds and even excessive sun exposure can cause damage and discoloration to a vehicle.

While an insurance company usually won’t look too closely at the first claim for this type of damage, repeat claims will usually be met with some kind of resistance. Increased rates and increased deductibles are common and outright refusals to pay for repairs after environmental damage occurs. The insurance company might look at things a little more favorably if a driver can prove they are taking all the precautions possible, such as a basic vehicle cover or taking advantage of covered parking.

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Insurance Tip: Use Your Garage.

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

This is sort of a focus on something from one of our recent insurance tips.  When we talked about avoiding troublesome locations. These are locations that can increase the chance a vehicle will be stolen or defaced. It can also mean severe weather locations, freak weather accidents and community events that take place on public streets. Ultimately it is far less risky for a vehicle to be parked inside, rather than outside. Unfortunately, many drivers don’t always use their garage for their car. Some opt to use it for storage, some simply overlooking it in favor of the driveway. Ultimately, parking the car in the garage will save a driver on money and hassles.

Parking a car in the garage is almost sure to keep an insurance rate low, or at least prevent it from increasing due to theft and vandalism. Vehicles can often be vandalized even in extremely upscale neighborhoods. Car theft is much the same, a car thief may not be deterred by a normally crime free neighborhood. On the other hand, they will be deterred by a sturdy lock on a garage door.

Putting the vehicle in the garage prevents the elements from damaging it. Even in locations with nearly perfect weather, steady sunlight will eventually start to blanch and damage paint. In less than perfect weather, rain, sleet, hail and weather related debris can cause auto glass, paint and body damage. The elements can also add to other long term issues, like electrical problems and rust.

Animals can damage a vehicle in several ways, many of them mechanical, by simply crawling around on or inside the vehicle. Pigeons and other birds have their own special ways to damage automotive paint. Protecting a vehicle with even a basic garage can prevent most animals from bothering a vehicle.

Parking the vehicle in the garage is an easy insurance tip to obey. You can still use a garage for storage, even if your vehicle is parked in it. Good weather or bad, parking the vehicle in the garage can save you money in the long term, on your car insurance and overall upkeep costs.

 

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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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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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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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Insurance Tip: Policy Lapses Usually Mean Higher Rates.

Posted by Joshua on Monday Jun 10, 2013 Under Insurance Tips

One insurance tip that most drivers follow without realizing is working to avoid a policy lapses on their insurance policies. When a driver lets insurance lapse, it almost always means that a rate increase will be coming in the future. This is often extremely frustrating to new, seasonal and interim drivers who may not need an insurance policy year round. A little careful math can sometimes help drivers avoid extra costs by stretching a policy, even an unnecessary one, year round.

Because every state in the U.S. requires some type of coverage in order to drive legally, insurance companies know that the product they offer is pretty much mandatory. They use the increase in rates due to policy lapses as a way to remind drivers that they are required to have insurance on an operable vehicle.

When drivers who plan on being off the road for a long period first hear that they will end up paying more for insurance after a break, it tends to be upsetting news. Luckily, a canny driver can make the most of the insurance market in order to recoup these costs in the off months. It only takes a little work, and some value shopping to find a policy that stays cheap year round.

Insurance policies tend to come in yearly or annual packages. A driver pays a total amount for the term of the policy either up front or on a regular billing cycle. A driver who only opts into minimal coverage can often save over the course of the year, rather than paying a premium due to a policy lapse. There are plenty of insurance alternatives available that offer drivers low cost basic insurance.

Auto Glass Now encourages drivers to stay covered year round, even if only for the bare minimum. Drivers can usually find a basic liability policy for cheaper yearly than a lapsed policy will cost to renew. This way, you are covered financially and insured, all year round.

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Insurance Tips:New Technology Can Mean New Discounts.

Posted by Joshua on Monday Jun 10, 2013 Under Insurance Tips

When new technology becomes available to insurance companies, they often want to test it quickly. Keeping appraised of the newest options insurance companies are offing is a great way to earn a discount or save a few bucks on auto insurance. This is a simple insurance tip that many drivers overlook, simply because it isn’t always the obvious thing to do. Even if you don’t change your policy regularly, it can still pay off to keep up on the latest options and programs your insurance company offers. Sometimes simply opting in to the right program can start saving drivers money immediately.

Without naming names, a major insurance firm recently unveiled a new device to monitor driving. In the initial testing periods of this device, the insurance company in question offered drivers a healthy discount if their driving data fell within certain parameters. These records included driving speeds, breaking speeds, acceleration and even more detailed driving observations, all from a simple easy to install device that could plug into any vehicle.

The device in question is just one example of how drivers can save for opting into a test program. Drivers found themselves saving a bundle if they could stay within the carefully defined parameters of the insurance companies device. The device also offered the drivers the records at no cost, and did not increase premiums. This device trial is exactly the type of thing we’re talking about with this insurance tip. Check in with your insurer to see if they have any test programs available.

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Insurance Tips: Read Your Policy Carefully.

Posted by Joshua on Tuesday May 28, 2013 Under Auto Glass, Insurance Tips

This may seem like a no-brainer to experienced drivers, but sometimes even the obvious insurance tips are worth repeating. When a driver first gets an auto insurance policy, they should take the time to go through the paper copy of the policy carefully. This is to ensure that everything they expect is covered in the document. Insurance policies are often long and complex documents and can quite a while to read. It is almost always in the best interest of the policy holder to take this time and familiarize themselves with exactly what they are entitled to in terms of insurance protections. This can save drivers confusion, time, money and significant stress in the case of a mix up.

The insurance companies get quite a bit of bad press regarding denied claims, and there’s no denying they bring it themselves sometimes. Other times, however, a little due diligence on the part of the driver is worth the effort up front. Drivers should make sure they completely understand what a policy means before they have to draw on the insurance coverage for a payment. Taking the extensive and particular legal wording of an insurance policy for granted is where things can start going wrong for a driver.

Sometimes mix ups happen, and a driver isn’t clear about what the policy they really want needs to include. Sometimes there is a legitimate mix up with the insurance agent and the policy a driver thought they were signing up for is shuffled to another policy due to a computer error or other internal confusion at the insurance agency. A driver who reads the policy in full and looks for the terms they need in specific can ensure this type of mix up is fixed quickly and efficiently.

A good example of this type of confusion is in the type of policy itself. Automotive insurance can cover the vehicle and the driver and may be needed to do either in the case of weather related damage. Full coverage generally covers theft and vandalism, but a company may require a separate theft policy or waiver. This can be true when major weather strikes. Auto glass is often damaged in storms, floods and all manner of inclement weather. A driver who wants their auto glass to be insurance covered in the case of bad weather needs to look for coverage in each specific weather instance.

Drivers who take the time to read and makes sure they understand the paper policy they receive are always going to be the most well informed about what their insurance will and will not provide. It is always better when a driver can confirm that they have bought the right policy and that all of their needs are covered. Taking the time to confirm in detail that a policy covers individual circumstances like theft, vandalism and varying types of weather that commonly damages auto glass is a great way to ensure you will receive the benefits you have been paying for when the nasty weather strikes.

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