Recently, we discussed the importance of understanding four basic auto insurance coverages; liability including bodily injury and property damage, and comprehensive and collision coverage. Almost all states require liability coverage for auto insurance.

In Part 2, we will explain additional coverages you can add to your auto insurance policy. Not only will this give you more coverage in the event you have a claim, but it could only be a small increase in price to have potentially thousands of dollars in coverage in the event you have to file an insurance claim. Let’s discuss what could be considered full coverage auto insurance.

Full coverage auto insurance typically means you have liability coverage (bodily and property damage), collision coverage, comprehensive coverage plus additional coverages such as PIP and uninsured motorist coverage.

Uninsured/underinsured motorist coverage: This coverage can be broken out into four parts; uninsured motorist bodily injury, uninsured motorist property damage, underinsured motorist bodily injury, and underinsured motorist property damage. Uninsured/underinsured motorist coverage can pay for damage up to your policy limits in the event you get into an accident and the other driver has little to no auto insurance coverage.

This policy can provide you with coverage if you experience a hit-and-run too.

Personal injury protection (PIP) or medical payments is another form of coverage many individuals invest in when it comes to purchasing an auto insurance policy. PIP can help pay towards medical bills for you or your passengers after getting into a car accident. It can also pay towards medical supplies, care, lost wages, prescriptions, or other services you may need. Every insurance carrier and state is different so it is best to talk to your insurance agent about the details of this coverage for your policy.

More coverages to consider for your auto insurance policy:

Roadside assistance: If your vehicle breaks down, this coverage can provide you with several services such as towing services, flat tire changes, fuel delivery (not including the cost of the fuel), lock-out service, and more. Talk to your agent about the details of your policy as each insurance carrier may be slightly different in how they can offer roadside assistance.

Custom parts and equipment: does your vehicle have custom parts or equipment? This could be an upgraded stereo, custom wheels, navigation system, custom paint, and more. If your vehicle is damaged in an accident, this coverage can pay up to your policy limits to repair or replace it.

Windshield repairs: Are you prone to glass chips in your windshield?

Ask your agent if you have an option for a “no deductible” glass replacement. This can be an inexpensive coverage that can save you from having to pay your typical comprehensive insurance deductible.

If you are interested in purchasing full coverage car insurance, call our agency. We can shop with our top insurance carriers to help you find the best policy for your needs. Once we have determined your insurance carrier and policy, we can explain and then look at extra coverage options for your auto insurance.

According to National Safety Council (NSC) driving has become more dangerous in the last two years. Motor vehicle accidents are up 9% from 2020 and 18% from 2019. Car accidents where drivers collided with other vehicles or fixed objects were the two most common types of accidents. Distracted driving has played an unfortunate role in this rise in accidents.

What are the most common distractions when driving?

Using your cell phone

National Safety Council states roughly 26% of car accidents involve cell phone use.

How to be a safer driver

Assess how you use a cell phone when you are in a vehicle. It is not against the law to talk on a cell phone while driving. However, it is imperative to pay attention to your driving behavior when you are talking on a cell phone.

Ask yourself the following questions to determine if you put yourself or others at risk while using a cell phone:

1. Are you able to concentrate not only on the road but on other drivers or pedestrians while talking on the phone?
2. Are you holding a phone when you drive? If you are going to use a cell phone, it is best to be hands-free.
3. Do you ever text and drive? How can you avoid doing this when driving?
4. If you have children or teenagers, are you setting a good or bad example of using a cell phone while driving?
5. Are you using your cell phone for GPS directions? Where is your phone located when you are using GPS? Do you have a holding device for your cell phone so you can easily see directions & the road?
6. Are you using your cell phone to play music? Can you control your music settings through your car? Are you changing songs while driving or do you already have a playlist formed before you hit the road?

Consider answering all these questions to determine how safe of a driver you are on the road. Any of the following scenarios can put you at risk. Look to find ways to avoid them at all costs to help prevent an accident.

Other common distractions:

• Talking to passengers
• Grooming
• Dazing off
• Trying to control children or pets in the back seat
• Eating or drinking

It’s important to evaluate your driving and determine if you catch yourself driving distracted. If you are a safe driver, we can help you find affordable car insurance; carriers that reward safe drivers with better rates. Call our agency for multiple car insurance quotes. We represent the top auto insurance carriers and can help you find custom coverage that suits your needs. We will also shop for all discounts that can apply to you.

You may even want to consider participating in a telematics program, which offers a car insurance discount, but also evaluates your driving habits. Contact us for more information.

Spring is in the air! Plants are starting to bloom, days are feeling longer and the weather is getting warmer. There are many things to be excited about when it comes to a new season. Our agency shares five things to consider doing this spring.

Plan a fun, local spring activity

Spring can be known for beautiful flowers. One of the best spring activities to do is to visit a tulip garden or your local arboretum. Visiting a tulip festival could be a family outing or a great date night with your partner. Your local arboretum can also allow out to see the season’s change. Plan a picnic or just enjoy a stroll in the park.

Change Out Your Wiper Blades on Your Car

Spring is a great time to change out your wiper blades. Your wiper blades have worked hard to keep your windshield clear of grit and grime on the roadways. If you need help changing out your blades many locally-owned auto parts stores can help. Changing them out usually only takes a minute and can keep you safe on the road if inclement weather strikes.

Consider Growing a Vegetable or Flower Garden

Growing a vegetable garden not only helps you save on groceries, but it gives you the satisfaction of growing your own food. Many people feel like vegetables from their garden taste better too. Flowers also provide many gardeners with joy. As a bonus, maintaining a garden can be relaxing and a great hobby to add to your lifestyle.

Choose a Day to Spring Clean Your Home

We all have heard about spring cleaning. Sometimes this is easier said than done. Spring cleaning doesn’t necessarily mean you have to commit a whole weekend to cleaning. You could start by doing one task only.

Consider one below:

• Clean out your closet & donate clothes you haven’t worn in over 12 months.
• Organize your pantry.
• Vacuum out your car and wipe down the interior.
• Dust your house including your blinds if you have them.
• Clean out your fridge. Not only discarding bottles that may have expired, but actually wipe down drawers and shelves. Make it sparkle again!
• Change your smoke detector batteries.
• Organize your garage.

Are You Considering Buying a Used RV?

RVs are great for outdoor enthusiasts. If you are shopping for a used RV, be sure to look for water damage before making the purchase. RV’s are very susceptible to water damage. Truth is many manufacturers in the US don’t build the RVs with as much quality as they could.

Water damage is usually easy to spot or smell. If the RV smells musty or feels damp, this is a big indicator. Look for mineral stains or water stains on wood towards the floor, around skylights, and air conditioners or vents located on the roof. Also, go around the RV or trailer and push in on all the sides all the way around. If water has gotten into the walls, it could quickly rot the structural portions of the RV and will feel spongy. Pushing on the sides will identify any areas that may be compromised. An RV should be stiff and hard, if it flexes, it is possible there is water damage. This quick inspection could save you thousands in repairs.

We hope you enjoy your spring! If you ever have questions regarding your auto, home, boat, RV, or motorcycle insurance, be sure to reach out to us.

A surprising number of people simply choose to use the same insurance company as their parents which means that oftentimes there’s a lack of insurance shopping. Moreover, it seems that the only time some customers look further afield is when they’re shopping about for lower rates. These shoppers can end up with their car insured with one company, their home policy with another, and so forth.

From this comes a tangle of insurance companies, policies, bills, and an endless onslaught of mail. In short, it can lead to quite a headache for policyholders and insurance companies alike.

Insurance companies offer discounts as an incentive for their customers to bundle multiple insurance products together.  These bundle discounts help to lock-in customers with the insurance company which oftentimes extends the amount of time those policyholders stay with that company.  And fortunately, these bundle discounts are additive. This means that you’ll often save more money with each additional type of insurance policy you purchase from the same company.

Bundling Home and Auto Insurance

One of the easiest and most common ways to save money on insurance is by bundling your home and auto insurance with one company. On average, this bundling option can save you anywhere from 10 – 20% on your overall premium.  When adding a life or umbrella policy to that auto and home bundle, it isn’t uncommon for that bundle discount to get as high as 35%.

How can insurance companies afford this?

These deep discounts can result in a significant reduction in premiums for insurers.  So how can they afford to discount these policies so much?  In short, economies of scale kick in since, overall, they’re making more money from each bundled customer. The alternative would be to write more customers with only one type of insurance policy which would require additional time, effort, and staffing. The benefit to insurers of offering significant bundle discounts more than outweighs the expenses associated with trying to write more single policy customers.

The best way to take advantage of these bundle discounts is to contact a licensed agent in our office.  We can assist you with assessing your insurance needs and provide you with some quotes from several of the top insurance companies.

Get A Quote For All Of Your Insurance Policies Today

Our licensed staff is ready to help you get multiple quotes for your auto, home, life and other insurance products.  Because we’re an independent insurance agent we can shop from multiple insurance companies to help you find the right coverage at the right price.

Riding a snowmobile, or snow machine is an exhilarating experience. Riding a snowmobile across an ungroomed open field with powder snow flying away can be memorable but comes with its share of risks.

Regardless of whether you enjoy sledding fast, slowly in a group, in steep terrain or in poor conditions, it is important to protect you, your passengers, your sled and yourself from injury or damage.

Some of the common snowmobile insurance coverage options can include:

• Comprehensive & Collision Coverage: Comprehensive coverage will protect your snowmobile from theft, vandalism, fire, or a collision with an animal. Collision coverage will provide coverage for the sled from incidents where it is damaged from colliding with another object (such as a tree or fence) or another vehicle.
• Bodily Injury Coverage: Provides medical coverage to pay for 3^rd parties where you are found to be at-fault for an accident.
• Property Damage: Provides coverage to pay for property damage you cause if you are found to be at-fault for a covered loss.
• Medical Payments: Different from Bodily Injury coverage, this one is for you or your passenger’s medical bills.
• Custom Parts & Equipment: Covers parts that did not come factory installed on your sled. This can include things like custom paint and cargo racks.

Most asked questions about snowmobile insurance

1. How much does snowmobile insurance cost? Snowmobile insurance premiums are calculated by algorithms that use factors such as your age, the type of vehicle being insured, your previous loss history and your gender.
2. Is snowmobile insurance required? Depends. If you are using the vehicle on privately owned land such as a farm and you do not have a loan on the vehicle, you likely do not need to insure it. If you are using the vehicle on public lands or roads, then you will need to have liability insurance. If you have a loan on the vehicle, you will be required by the lienholder to carry full coverage.
3. How do I get a snowmobile insurance quote? We can provide you with a snowmobile insurance quote in just a few minutes. Furthermore, you can purchase coverage right over the phone so you can get out and enjoy the outdoors without having to worry about being properly covered.

Call an agent in our office today to discuss your insurance needs. As an independent insurance agency, we represent the top names in insurance and can quote multiple insurance companies so you get the best discounts and coverage.