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Car Insurance: Time for a Change?

Does Your College Student’s Car Have Minimal Coverage? What To Know Before They Go

Posted by on 3:52 pm in Uncategorized | Comments Off on Does Your College Student’s Car Have Minimal Coverage? What To Know Before They Go

If you have a teen that is heading off to college and you have minimal coverage on their vehicle, there are some things you want to consider before they leave. You may want to improve their policy so you don’t have to pay more if something comes up, and you want to be prepared for what can happen when they are away. Here are a few auto insurance questions to talk with your insurance agent about.   Do You Have Break-In Coverage? Unfortunately, the parking areas on college campuses and the living areas around a college town can often become a target for crime and theft. It’s important to make sure that you have theft coverage, in case something of your student’s gets stolen out of the car, and if the car is damaged when the person breaks into the vehicle. You should also ask about renters insurance if you think they need it for the dorm or apartment they live in. Did You Ask About All Discounts? If your child got good grades in high school, they should be able to get a discount on their auto insurance policy. If they take a defensive driving training course, have been accident and ticket free since they got their license, and you pay the policy up front, these are other reasons you should get a discount. Make sure that you have asked about all potential discounts for students before they leave. Is Roadside Assistance on the Policy? The last thing you want to worry about when your teen is away is having their car break down, and they have to find a way to get it towed. If they get locked out of their car, they may not know how to get a hold of a locksmith to get it fixed. Instead of going with the cheapest insurance option, make sure you pick a policy that has some roadside assistance so your teen can get what they need in a bind. Even if the car isn’t the most valuable possession you own, you want to make sure that your teen doesn’t have a lot of hassles with it while they are away. If an expensive electronic device or something that is important to them is stolen, you want to know they have the coverage to replace the items, or that they can get into the vehicle if they are somewhere after dark and locked...

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Increase Your Chance Of A Safe-Driving Discount By Changing Your Driving In These Ways

Posted by on 6:25 pm in Uncategorized | Comments Off on Increase Your Chance Of A Safe-Driving Discount By Changing Your Driving In These Ways

Being a safe driver on the road reduces your risk of injury and also decreases your likelihood of the hassle of an automotive repair. Beyond these benefits, staying out of accidents can also give you a car insurance rate drop. Although each auto insurance provider has its own regulations about how customers can have their rates lowered through safe driving, it’s conventional to pay less for your insurance once you’ve gone three straight years without any at-fault accidents. Staying safe on the road is about more than just obeying the speed limit and avoiding being distracted; these tips can also make you safe and help you earn this discount. Keep A Watchful Eye On Your Mirrors If you’re not making a point of routinely glancing at each of your rear-view mirrors, you won’t always be aware of what’s around you. Things can happen quickly on the road, and another vehicle can easily move into your blind spot undetected. If you change lanes with a motorist next to you, you’ll quickly find yourself in an at-fault accident. You can stay safe and work toward your safe-driving discount by scanning your mirrors every five seconds. You don’t need to do more than a quick glance that will let you know what is around you; eventually, this habit should become second nature. Follow At A Safe Distance Many collisions occur because one motorist stops suddenly and the motorist who was following is unable to stop in time. Even if you don’t consider yourself to be someone who tailgates other drivers, you might be following too closely. The safe following distance is three seconds. As you increase your speed, your following distance should also increase. Likewise, your distance should grow if snow, ice or rain are making the roads unpredictable. Maintaining a safe following distance can help you stop before colliding with another vehicle and increase your likelihood of getting a safe-driving discount. Avoid Rush Hour Conditions You’re at a greater risk of being in an accident if you drive during rush hour. Although some rush hour driving can’t be avoided, see if you can come up with different ways to reduce your exposure to it. You might wish to take public transportation to work to avoid using your vehicle. Or, if your employer allows it, you could even think about staggering your work hours so that you’re not on the road at its busiest times. The more you can avoid rush hour, the greater chance that you’ll be able to stay out of an accident and work toward your safe-driving...

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How To Keep Your Car Insurance Rates Low

Posted by on 10:03 pm in Uncategorized | Comments Off on How To Keep Your Car Insurance Rates Low

Whether you have been with your car insurance provider for a long time or just a few months, making sure your policy is affordable is likely your biggest concern. Not only do you want to be certain that your insurance is affordable, but you will also want to be confident that you are fully protected. This is why it is important to find opportunities to cut the costs of your car insurance without having to compromise your coverage. A great solution to keep your car insurance rates low are to do the following:  Be a Long Time Policyholder: Instead of opting out of renewing your policy when your account reaches its expiration date, consider renewing. Not only is finding a new provider that can offer better rates likely more difficult, but having to sign up and start a brand new policy can have some higher initial costs. Instead of dealing with the complications of buying a new policy, consider renewing after each expiration date as most insurance providers offer great discounts and benefits to their long term policyholders. This will allow you to obtain better premium rates all without having to reduce or cut the coverage that you receive.  Make Adjustments To Your Policy Regularly: Make sure you are keeping up with your policy so you can make adjustments when and where they are needed. For example, overtime, the value of your car can drop and this is when you will want to make adjustments to your insurance policy so you can adjust the amount of coverage that you actually need based on the depreciating value of your vehicle. This will allow you to reduce your coverage, which will save you money and allow you to still have enough insurance to cover the value of your entire vehicle.  Add Additional Drivers, Vehicles, and Coverage to Your Policy: Many providers offer discounted rates for their policyholders that have more than just one vehicle, one driver, and one insurance coverage policy. This is why you will want to take advantage of this by adding another household member onto your policy or adding other coverage’s like homeowners, renters, or life insurance to your account. Not only will this save you money, but it will help your other drivers save money as well making it a win-win for the both of you.  Applying these tips to your insurance policy will help you save even without putting yourself at risk by receiving lower coverage quality. So, before you continue to switch providers or reduce coverage just so you can find saving opportunities, be sure to take advantage of these options as they will be more effective and convenient to utilize. To learn more, contact an insurance broker at Hillis Insurance Agencies...

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Features That Help You Maximize Your Insurance Coverage

Posted by on 3:39 pm in Uncategorized | Comments Off on Features That Help You Maximize Your Insurance Coverage

Are you thinking about switching to a new car insurance provider due to the lack of features and services that you receive with your current policy? If so, you will want to be sure that you do not run into the same issues with your next provider. This is why it is important to look at the features, perks, and services that a new insurance provider can include in your policy, such as the following: Mobile Services: Being able to access your policy from your smartphone can be very helpful and convenient. This will allow you to adjust your coverage, upload files to claim service, and present your policy ID card all from your smartphone. This can make it very easy for you to make changes to your policy when you are on a tight schedule and do not have time to visit an agent. This will also help you start filing a claim faster so you can expect faster results from your insurance provider. Membership Perks: Many insurance providers offer special perks to their policyholders and taking advantage of these perks can allow you to receive special prices for towing, hotels, and car rentals. You may also obtain special benefits for DMV services and this can save you a great deal of time when making changes to your vehicle’s title, registration or if you need a bill of sale. So, when shopping for a new insurance policy, definitely be sure that the provider you shop from offers some sort of membership perks that you can take advantage of. User-friendly Website Features: Having the ability to pay your policy, add drivers, or edit your vehicle details can be very beneficial. This is why you will want to shop from a provider that offers user-friendly website features that will allow you to have the ability to do these changes to your policy on their website. This will help you maintain the coverage that you need and have convenient payment methods, as you won’t have to deal with paying over the phone or by check. So, if you want to maximize your insurance coverage, be sure to reap the benefits of having coverage from a provider that can offer website functions for their policyholders. Shopping for a new insurance policy with these tips in mind can help you shop from a provider that can offer you with not only excellent coverage but great features that can help you get the most out of your coverage. This will ensure you reap the benefits of your policy, so you can stay on top of your coverage and policy. Be sure to reach out to your insurance provider for more about this...

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Home Insurance & Extended Absences: 3 Things To Understand

Posted by on 10:03 am in Uncategorized | Comments Off on Home Insurance & Extended Absences: 3 Things To Understand

Whether an unexpected work obligation has come up or you’d simply like to fly down to you family’s vacation home for a little rest and relaxation, it’s important to understand the impact that an extended absence can have on your home and your home insurance policy. Below are three things you must understand if you’re planning to be away from your home for an extended period of time.    1. Your Insurance Company May Have Guidelines to Follow Since unoccupied homes pose a higher risk to insurance companies, it’s likely that your home insurer has a set of guidelines that must be followed in the event of an extended absence. The length of time considered an extended absence will vary by insurer, though 30 days is the time given by the Insurance Bureau of Canada. In the event that you’ll be away from your home for an extended period of time, it’s important to consult with your insurance agent about coverage options and what guidelines must be followed in order to maintain your insurance. The solution may be as simple as hiring a guest sitter or friend to watch over your home, or it may be as complex as renting out your property while you’re away, though this comes with its own insurance ramifications, such as purchasing renters’ insurance. 2. You May Need More Coverage As mentioned above, even if you’re able to find a solution that satisfies your insurance company’s guidelines for extended periods of absence, you may still be required to purchase additional coverage to keep your policy from being cancelled. It’s important to inform your insurer of your plans for an extended absence because not doing so could mean that any damages that occur during your absence won’t be covered, and your policy may even be cancelled. As a result, your insurer may suggest purchasing vacant home insurance coverage, which covers such things as fire, but won’t cover theft or purchasing additional liability coverage so that a trusted friend or family member can stay on your property to oversee it and will be protected in the event of an accident or injury on said property. 3. You May Be Paying for More Coverage Than You Need Before purchasing vacant home insurance or additional liability coverage, it’s important to understand the term lengths. Seasonal home insurance coverage, which is a variant of vacant home insurance, may have a term length of three months. This makes sense considering some homeowners may only retreat to their vacation homes for one season at a time. If you plan on staying way from your home for less than three months, however, you may still be paying for the entire three months of coverage without any chance of a prorated refund. This is why it’s important that you ask about prorated refunds – while vacant home insurance is worth it, no one wants to pay more than what they need. To learn more about coverage options and how an extended absence will affect your policy coverage, consult with your home insurance agent...

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Five Interesting Facts About Homeowners Insurance

Posted by on 3:48 pm in Uncategorized | Comments Off on Five Interesting Facts About Homeowners Insurance

Homeowners insurance is a complex product that varies depending on the chosen coverage, the province where it is purchased and what the lender requires. Insurance agents are always happy to answer questions from their clients, but because the field is so broad, many questions are never asked. Here are a few of those often-missed details.    1. Some new homes are instantly protected.  Alberta residents purchasing new homes are automatically (partially) protected. The New Home Buyer Protection Act protects all new construction including condos, manufactured homes and single family dwellings. Coverage for various categories like materials and structural integrity are included and each is valid for a different length of time.  2. Valuable possessions may need additional protection.  Contents are covered separately from the structure itself. Many insurance companies offer a limit of how much an item can be worth. Owners with items worth more than this cutoff point will need to have these items scheduled. This is an addition to a traditional homeowner’s policy that will cover the genuine value of that specific item.   3. Homeowners may be considered business owners without realizing it.  Anyone receiving pay for any type of work they perform at home may need additional coverage. This is generally only true if the client paying the fee is ever on the property. Even if the work is only baking a cake now and then or babysitting a single child, the homeowner could be liable for any injuries that happen to their clients on their property. Without business coverage, the insurance company could decline the claim when they learn of the details. 4. The property of some college students may be covered by their parents homeowner’s policies.  Some policies cover the property teens and young adults take when they go away to college. There are requirements, including whether or not they are living on campus, if the parents are paying tuition and if they will return to their parent’s home when school is not in session. 5. Mother Nature may cause some homeowners to need more coverage. There are a lot of reminders about purchasing additional flood insurance to ensure full protection, but this is not the only type of extra policy that may be needed to protect a home from Mother Nature. Additional policies for wind damage as well as any repairs needed due to heavy snow may also be required depending on the average weather conditions where the home is located. The right policy matters because it prevents homeowners from overpaying on their premiums, but protects them when they need it most. The day after an emergency is the worst time to find out a policy is not complete. Never begin a new policy without discussing all the coverage that is needed. A few extra minutes and small increase in the premium can be the difference between being covered or left...

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How To Avoid Parking Lot Accidents – And Insurance Premium Hikes!

Posted by on 3:05 pm in Uncategorized | Comments Off on How To Avoid Parking Lot Accidents – And Insurance Premium Hikes!

While you probably think of auto accidents as being something that only happens on roads, many accidents actually happen in parking lots today. A parking lot accident can result in just as much vehicle damage as one that happens on the road, so you’ll typically need to file a claim with your auto insurance company after such an accident. While your insurance company will be there to help you pay for the damage, having any kind of accident on your record can raise your premiums. Fortunately, there are a few key things you can do to prevent parking lot accidents. You may not be doing these things right now, but adopting these habits immediately may save you a lot of money in the future. Before You Back Out Of A Parking Spot Before you back out of a parking spot, look in both directions to check for oncoming traffic. If there are other vehicles parked across from you, check to make sure that no other vehicles are backing out at the same time as you are. If you back out and hit a passing vehicle, you will typically be found to be at fault, even if the other vehicle drove in back of you suddenly. Double check in every direction before you back out as this is when you are most vulnerable to an accident. Before You Open Your Car Door Before you open your car door, and before your passengers open their doors, make sure that you check the parked vehicles on either side of you. It is your responsibility to make sure that you have enough clearance to open the car door without causing damage to any other vehicle. If you open your car door and damage another vehicle, you will typically be held responsible for the repair of that vehicle. Even if it doesn’t cause damage to your own vehicle, this may be categorized as an accident and cause a rise in insurance rates. Before You Drive Through Any Parking Lot Before you drive through any parking lot, take a quick visual survey to find out what the posted signs say. Be aware of the speed limit, the yield signs, the parking restrictions, and any other posted signs. If you are found to have ignored any sign in a parking lot and you were involved in an accident, you are automatically going to be held liable for damages. You should report all auto accidents in Canada to the Insurance Bureau of Canada, whether they happen on the road or in a parking lot. However, if you use the smart tips above, you may just be able to avoid parking lot disasters in the...

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3 Things That You’ll Need When Talking To A New Auto Insurance Agent

Posted by on 7:31 am in Uncategorized | Comments Off on 3 Things That You’ll Need When Talking To A New Auto Insurance Agent

If you are thinking about purchasing auto insurance from a different provider, it can be a good idea to talk to an actual insurance agent when doing so. Even though many companies let you sign up online without ever speaking to an actual person, this isn’t always the best way. By talking to an agent over the phone, you can ask specific questions about auto insurance coverage and have assistance in picking out the right policy and coverage for you, and you’ll have a much more personal experience.  However, when talking to an agent you will need a few things to get a quote and sign up for coverage. These are a few things that you should have handy if you want to make the process as fast, easy and streamlined as possible. 1. Vehicle Information First of all, you will need to have the information about all of the cars that you are planning on putting on your policy. Coverage costs different amounts based on the car that you are driving; for example, a car of a higher value is more expensive to insure if you want to add full coverage to it, but a car that has certain safety features can actually help you score a discount. These are a few things that your insurance agent will want to know about your car: Vehicle Identification Number (VIN) Year model, make and model Trim level (EX, SX, etc.) Mileage List of safety and security features, such as alarm or anti-lock braking system 2. Driver’s License Information Your insurance rate will also be based off of your driving record, as well as the driving records of any others in your household who will be added to your policy, such as your spouse or your teenage child. It’s best to have the full driver’s license number and expiration date for every driver in your home so that you can get the most accurate quote, so jot down all of these numbers before calling to talk to an agent. 3. Daily Mileage Driven Your insurance agent will ask you about how many miles you and the others in your household drive per day, month and year. Therefore, you may need to track your driving habits for a few days before calling your agent so that this information will be available. Talking to an insurance agent can help make the process of finding and purchasing auto insurance a whole lot easier, but you will need certain information. Before you call, make sure that you gather all of this information to help things go smoothly and...

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Answering A Couple Of Concerns About Using An Insurance Broker

Posted by on 2:11 pm in Uncategorized | Comments Off on Answering A Couple Of Concerns About Using An Insurance Broker

Buying insurance is usually a sound way of protecting some of your largest purchases and investments. However, insurance policies can be extremely expensive if the assets you are insuring are very expensive. This coupled with the complexity of a modern insurance policy can make shopping for this protection a little overwhelming and bewildering, which can lead to important questions about this process. For example, many people assume that an insurance agent is the only professional that can help them with this purchase, but insurance brokers have emerged as a popular alternative to agents for those that are wanting to get a good deal on a sound insurance policy.  How Is An Insurance Broker Different From An Agent? When you work with an insurance agent, you are generally shopping the available policies from a single insurance provider. For much of the past several decades, this was the standard way of purchasing a policy, but advancements in communications technology has made it possible for the emergence of insurance brokers.  These are professionals that will compare the policy offerings of numerous insurance carriers to help their clients find the best policy for both their price ranges and protection needs. By working through these individuals, you can help avoid the hassle of individually contacting numerous insurance carriers to obtain quotes for policies.  Is The Claiming Filling Process Different With A Broker Versus An Agent? An insurance policy is not very useful if you are unable to file a claim to receive your benefits, and many people assume that filing a claim through a broker will be more difficult than going through an agent. However, this is far from the truth because a broker is required to have a detailed understanding of both an insurer’s available policies and current claim filing procedures before they are allowed to start selling these policies.  As a result, you can rest assured that when you need to file a claim, your insurance broker will have the knowledge and training needed to correctly submit it as soon a possible. In instances where the claim was denied, these professionals will also be able to help you navigate through the appeal process to help ensure that you get the compensation that you are entitled under your plan.  Buying insurance does not have to be a confusing task that is filled with countless decisions and chores. By knowing the valuable benefits that you can get by shopping for insurance through an insurance broker, you will be far better prepared to understand the important advantages that you can enjoy by working with these individuals to protect your...

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3 Things You Should Opt For In Your Home Insurance Policy

Posted by on 12:19 pm in Uncategorized | 0 comments

Getting insurance on your home is essential. Some states do not require it by law, which can cause some individuals to falsely believe that they don’t need to insure their house. But it will only hurt you if you choose to not insure your property. Here are a couple things that you need to make sure that your home insurance policy includes so that you are properly protected. 1. Liability Insurance There are thousands of lawsuits filed everyday. Sadly, some of these lawsuits are filed after someone has an accident on another person’s property. For example, say that you have a dinner party and one of the guests slips and falls on your driveway. If you were found responsible or liable for the slip, because maybe you didn’t remove the snow and ice, you could be sued. If you lost the lawsuit you might have to pay for the individual’s medical bills, their lost wages, emotional pain and suffering and much more. A good liability policy can help defray the costs. Otherwise all of those costs are coming out of your pocket. 2. Landlord Insurance Many people choose to rent out a property. Don’t assume that the renter’s individual insurance plan will protect you. Even if the renter burns the house down, you still may have to repair the property on your own. Any natural disaster, flooding, or problem with the property will most likely be on your dime. A renter’s insurance policy generally only protects the renter’s personal property and their personal liability. This is why it is important that even if you choose to rent out the property that you keep full coverage on the property. 3. Natural Disaster Insurance Not all insurance policies will cover a natural disaster. In fact, you might not have any coverage for tornadoes, floods, or earthquakes on your policy. This doesn’t mean that you can’t get this type of coverage; it simply means you need to opt for additional coverage. Make sure when you purchase your insurance plan that you ask about the coverage for each situation. You may have to buy each additional coverage separately. For instance, you will have a separate policy for flooding, one for earthquakes and so forth. It may cost a little extra money for you, but it will be worth it, especially if you live in an area that is at risk for these disasters. By opting for these extra items you can make sure you are protected in all situations. For more information, contact a company like Idris Insurance Brokers...

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