The weather is warming up and that means it’s time to take your classic car out of the garage and take those nice drives up and down the beautiful coastline! Classic car insurance works a lot like “regular” car insurance. For those of you who have just purchased your dream classic car and aren’t sure how it works, this post is for you. First off, does your car qualify for classic car insurance? Classic car insurance is for cars 10-40 years old and has historical interests or collectible value. As we said, it works similarly to typical car insurance but there are some key differences.
Read MoreWe get it. Insurance can be confusing but we’re here to help you with that. All these terms thrown around like premium, deductible, etc. can be difficult to understand at times. Especially if you’re going through a claims process that can already be stressful. We want to take some time to break down the term deductible for home and auto insurance in this article. Understanding what these mean and what kind you have before damages occur is important. This will ensure that you are less stressed and more informed during the claims process. First, let’s look at what the term deductible is.
Read MoreWell, it’s officially 2024! Happy New Year! People are already out there making their predictions on what this year will bring to the insurance industry. As for car insurance, the outlook might be a little grimmer than we expected. Since the end of 2023, auto insurance rates have slowly been on the rise so this could be an indicator of what’s to come this year as they are expected to continue to go up. The reason for this is simple—inflation.
Read MoreWhen we think of auto insurance, we typically don’t think outside the box except for daily vehicles. However, you can insure your ATVs, jetskis, snowmobiles, etc. In the winter months a lot of people love to get out into the powdery mountains skiing, snowboarding, and yes, even snowmobiling. A shocking 200 people die each and 14,000 are injured each year in snowmobile accidents. So, just like with auto insurance, injuries can happen. Damage to the snowmobile can happen as well as to your snowmobile or someone else.
That said, If you or someone you know owns a snowmobile for personal or business reasons, it’s just as important to insure this type of vehicle as your car. In some states, it is required to have. It works the same way as regular auto insurance. Premiums will depend on the make and model of the snowmobile, where you live, the coverage you choose, and discounts that you may or may not be eligible for. Insurance of this type is offered as comprehensive or collision. Additional types of coverage include:
Read MoreIt’s the most wonderful time of the year! The holiday season can be an enjoyable time catching up with loved ones but it’s also the time of year when it can be the most dangerous on the roads. That said, it’s never a good idea to drive after having too much holiday cheer (wink wink), no matter how many you have had. Here are some tips to stay safe on the roads during this season.
Read MoreWe all know that when we move we have to let our insurance companies know and see how that will affect our rates. But, have you ever stopped to wonder why this is? Well, we’re going to break it down for you a little here. Let’s first look at homeowner’s insurance policies.
Homeowners: This can vary state by state due to how prone your area is to natural disasters and environmental risks. For example, if you live in Kansas versus New Jersey you will have to get a policy that specifically covers this type of high-risk disaster. Here are some things that will affect how much your homeowner’s coverage costs.
Read MoreIt’s officially that time of year again when the kids return to school. We thought we’d write a little bit about drop-off etiquette that will help you plus everyone around you stay safer. Here are some tips to help make the process of the drop-off more streamlined and keep you away from fender benders in the car.
Arrive a little early: Coming just a few minutes earlier will help avoid any rushing in the line that could potentially cause frustration and even an accident.
It’s no secret that electric vehicles cost a bit more to insure. It’s important to keep in mind despite this, you will save money regularly on oil changes, gas, and maintenance that regular cars require but electric don’t. That being said, there are certain things you can do to offset the higher premiums of these environmentally friendly travel vessels. There are now many rebates at local and federal levels to incentivize the purchase of an electric or hybrid vehicle. The IRS now offers a $7,500 tax incentive for new electric vehicle purchases for personal or business use. Let’s take a look at the requirements.
Read MoreSome interesting auto insurance stats from this year so far. Always important to stay up to date with what’s going on in the industry.
1 in 8 drivers is uninsured
Looking for a new car? It’s always fun to shop for a new vehicle when the time comes. However, if you’re keeping your insurance rates in mind there are a few things to consider when purchasing. Here are some tips to help you decide which vehicle is the right one for you and keep your insurance premium down.
Read MoreLet’s hope you never get in an auto accident but chances are at least some point in your life you will. “77% of adults in the have been in at least one accident in their lifetime,” according to a Pennsylvania law statistic. Makes sense considering how much we drive. Auto accidents can be very shocking, especially if they’re devastating. However, in the event of smaller accidents where no one gets hurt, it’s important to know what to do. Knowing what to do will prevent any mistakes due to shock.
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