This is a simple insurance tip that any driver can use to make a difficult situation bearable. When a driver is in an auto accident, calling their insurer quickly can provide a ton of benefits. Naturally, drivers will want to make sure everyone is safe in the wake of an accident, and call any relevant emergency services or authorities. After this is done, a call to their insurance company can save them money and sometimes offer them a couple of extra benefits to help ease the situation.

Many modern insurance companies can send a representative out immediately after an accident. This can help to establish fault in the case of a scrape. This can be very helpful in parking lot scrapes where no legal authorities are available to answer a dispute. In major cities, an insurance agents are readily available from most major insurance providers. Major insurance companies often provide extras. This includes accident pickups and rental car drop offs.

Naturally, drivers want to make sure everyone is fine after an automotive accident. Many drivers never consider calling their insurance companies, who can offer them valuable services and advice after an accident. A driver’s insurance company can do more than just cover the accident. If they offer additional services, an insurance company can often bring them to bear on site at an accident. Calling an insurance company from the site of an accident is a basic insurance tips. Accident appraisals, towing, roadside assistance and rental car drop offs on site are all fairly routine insurance company provided services.

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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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Insurance Tips: Parking Lot Accidents.

Posted by Joshua on Saturday Feb 16, 2013 Under Insurance Tips

Parking lot accidents are some of the most common, and most annoying, accidents drivers get into. People are in a hurry to get in and get out of shopping centers and gas stations. This leads to fender benders, side scrapes and everyone’s favorite; the backing up collision. Parking lot accidents are annoying pretty much every time because we were already well on our way to our from somewhere.

No one enjoys being stuck with groceries in the car, on the way to an important engagement or just about any other situation with a parking lot fender bender. On top of the regular annoyance, often it’s pretty difficult to determine who was at fault. In many states, fault can be an odd thing to work out in a parking lot accident. This can make dealing with your insurance company afterwards very annoying. ┬áThere are some general guidelines that can help.

Keep your cool. This may sound silly, but in a stressful situation keeping calm can be extremely helpful to resolving things quickly. Keeping a cool head and being polite to the other drive will go a long way.

Take plenty of pictures. When you first get into a parking lot accident, get out and take as many pictures as possible.  Be courteous to the other driver and make sure they know it is only for insurance purposes. The more details the insurance companies have, the easier they can determine how to deal with a claim appropriately.

Call your insurance provider. Call your insurance agent immediately and advise the other driver to do the same. Many insurance companies can send an agent to the site immediately to help determine fault and help you get paid as fast as possible.

Parking lot accidents are stressful, confusing and inconvenient. They can be made a little more bearable by following our simple advice. Just remember, keep calm, take plenty of pictures, and call your insurance provider the next time you’re in a parking lot accident.


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Insurance Tip: Drive Safely.

Posted by Joshua on Friday Jan 25, 2013 Under Insurance Tips

The most fundamental tip for saving money with auto insurance is to drive safely. It sounds simple, and in some ways it is, but there are many rewards for safe drivers. When buying a new policy, a driver’s past record is always considered. Driving safely and defensively give drivers an edge for driving safely. Avoiding accidents over the course of a lifetime can dramatically lower rates.

When considering how much to charge for a policy, insurance companies look into past driving records for a record of a driver’s general risk. Even accidents that are not the fault of the driver can count against this overall record. Mutual fault accidents can likewise count against a driver when they are getting a new policy. Doing everything a driver can to avoid an accident is the surest way to save over a lifetime of driving.

Basic defensive driving is important, both for car insurance and in overall risk avoidance. Leaving more than enough distance between vehicles prevents rear end collisions in both short and long stop situations. Careful monitoring of the road gives drivers ample warning if approaching and accident or other road hazard. Being patient and not aggressive can make lane changes and passing safer.

A good driving record can save drivers hundreds of dollars a year on an insurance policy. Over the lifetime of one vehicle, thousands of dollars can be saved by safe driving. Defensive driving is an easy way to ensure safe driving. Careful observation of the roads and traffic laws should help a driver avoid accidents, which will lead to better insurance rates in the long term.

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Insurance Tips: Defensive Winter Driving.

Posted by Joshua on Thursday Dec 6, 2012 Under Insurance Tips, Uncategorized

Avoiding accidents, tickets and auto damage is the surest way to maintain a good premium. It’s also pretty good advice for drivers who get a lower deductible or other careful driver perks from the insurance company. Accidents happen during the winter, a combination of weather, festivities and rushing around makes the roads a little more dangerous. Following a couple basic insurance tips can help with making it through a winter without an accident or risk of increased premium.

First and foremost, driving carefully is terribly important in the winter season. In many states road conditions like black ice and freezing rain cause accidents when drivers are not paying attention to road conditions. The holidays also mean people can get a little extra festive. Staying alert to other drivers is essential.

Remember posted speed limits. This seems obvious, but everyone finds themselves in a rush at some point over the holidays. Traffic congestion due to weather, accidents or holiday events events is a fairly common in most cities. Law enforcement is out in force over the holiday season and avidly pull over speeding drivers. Leaving the house a little early is one of the surest ways to avoid running late due to winter or holiday driving conditions.

Avoiding auto damage and tickets can be the hardest thing across the winter season. Combining festivities with rushing about and nasty weather makes for all manner of mishaps that can affect a drivers’ insurance premium. Basic insurance tips can help immensely. Driving defensively and staying alert are key to avoiding accidents. Defensive driver can aid with both with the weather and with other drivers. Making sure to plan ahead and take the time necessary to travel can help prevent speeding and encounters with law enforcement. Avoiding damage and tickets over winter is a great way to earn a lowered deductible.

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Insurance Tips: Taking Advantage of Discounts.

Posted by Joshua on Wednesday Nov 28, 2012 Under Insurance Tips, Uncategorized

A car represents an ongoing cost in the lives of most drivers. Maintenance, gas, repairs and insurance all add up to a significant long term cost. Motorists should be aware of every dollar they can save over the life of a vehicle. One place drivers can save money is by ensuring they are gaining every available discount when buying and maintaining insurance. There are numerous discounts available to drivers when shopping for car insurance. There are also a few discounts insurance companies can provide to drivers that often go unused. Discounts on services affiliated with an insurer can add up to major savings in the long term.

Drivers can normally qualify for numerous discounts when buying insurance or considering changing insurers. When a driver gets a new policy, discounts are available for academic achievements, and things as simple as not smoking. Discounts for existing drivers can vary depending on the insurance company, but most companies do offer some form of discount in the long term. Drivers hitting certain ages can qualify for discounts as can drivers who maintain a good driving record.

Insurers often offer numerous fringe benefits to customers that they may or may not make readily known. Free roadside assistance or discounts on automotive services are common offers from most insurance companies that can save drivers money. Discounts from preferred shops, for example, can save drivers on deductibles and general repairs.

When trying to defray the costs of a vehicle in the long term there are several ways drivers can save money. Insurance companies offer numerous discounts to drivers both on initial purchase of a policy and over the life of a policy. Drivers are encouraged to ask about new discounts when it is time to renew. Drivers are also encouraged to see what services and additional discounts an insurer and affiliates offer.





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Insurance Tips: Understanding Negotiated Rates.

Posted by Joshua on Wednesday Oct 31, 2012 Under Auto Glass, Insurance Tips

Just about every driver knows the basics of automotive insurance. Customers pay into a pool in case of a specific event such as an automobile accident or weather disaster. When that condition is met, the insurance pool pays the customer a variable amount to have the damage fixed and mitigated. Insurance companies offer several other services, in addition to simply pooling money, to help mitigate an emergency or disaster. Insurance companies are also in the business of saving money for themselves as well as their customers. A major source of savings on behalf of both the driver and the insurer is a negotiated rate with a repair service.

A negotiated rate is a discount offered to customers of an insurance company. The insurance company typically negotiates for these rates with companies who can still benefit for repeat business at a significant discount to standard rates. Negotiated rates as common across many areas of insurance. Both medical and automotive insurance companies typically have a negotiated rate on services that a customer may never realize they get as part of an insurance plan.

The negotiated rate will vary depending on the insurance company and the service that have entered into negotiations. For many services, it can be dramatically less than the standard rate offered to the public. This can mean savings even if a driver doesn’t use the insurance and risk an increased deductible. When major damage occurs the insurance company can usually suggest a service they have a negotiated rate with to ensure savings across the board.

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