Is Your Motorcycle Properly Covered?

Whether you’re thinking about dusting your bike off for a springtime ride or getting ready to rev up your engine for a long summer road trip, it pays to have the best possible motorcycle insurance coverage available before you set out on your bike.

Many Americans choose to keep their motorcycle stored away during the winter to ensure that it is safe from harsh weather conditions. So when the time comes to take the bike out of storage it can do with a bit of TLC before being taken back out on the road again. Take the first step in caring for your motorcycle properly this spring and get the best coverage available to protect yourself and your bike.

Find the Best Coverage with Independent Agents

Insurance laws vary from state to state but that doesn’t mean you shouldn’t compare quotes from multiple national providers. It is important to explore all angles when shopping for insurance online to make sure you find the additional coverage options you need at a price that fits your budget. With the help of your independent agency you can easily compare quotes from top national providers online in just minutes to find the coverage that fits your needs.

Taking your bike out for a spin never feels better than when you feel safe and secure with your level of motorcycle insurance coverage. Our independent agents understand the specific needs of a motorcycle owner and can easily help you customize your policy to get only the coverage options you want. We are always available to help explore your additional coverage options and break down your policy so that you can drive safely and with peace of mind. We are also available to answer any questions about the claims process and can easily give you motorcycle maintenance tips and tricks to keep the road a safe and fun place for everyone to enjoy this spring.

Start Comparing Quotes Online Today

Don’t get caught without the right level of coverage when you need it most out on the road. Instead, feel confident and protected when out on your motorcycle with comprehensive and affordable insurance coverage.

Getting the right coverage to fit your needs and your budget has never been easier. Visit us online today to start comparing quotes from multiple national carriers in just minutes and help keep the road a safer place for all!

Reasons to Have Roadside Assistance and How to See if Your Policy is Fully Equipped

Life is full of the unexpected and that means there are many reasons why it is a smart idea to include roadside assistance as an additional coverage option on your auto insurance policy. There is no better way to feel prepared for those unexpected moments on the road than with a comprehensive auto insurance policy that includes roadside assistance.

Do you know how well your current policy has you covered? If you can’t find your additional coverage options easily listed on your current policy, it may be time to shop for a new one.

Top 3 Reasons to Have Roadside Assistance

Fuel Delivery
Even though most people keep an empty gas can in the trunk for emergencies, sometimes there isn’t a gas station close by to fill it up. With roadside protection you can use fuel delivery to have someone bring the gas you need directly to you.

Lock Outs
Locking your keys in the car can be dangerous and is a huge inconvenience. Unless you have a spare key handy, your next option is to call an expensive locksmith and wait. But with roadside assistance you can have a trusted company come an help you out, usually at no additional charge.

Dead Battery
If you find yourself in a situation where your battery needs a jump, it is a good idea not to attempt the process on your own. In some situations the battery can be too low or too cold to take a charge and in that case, it pays to have a little extra help and the option of a tow.

Invest in a Comprehensive Policy Today

Our independent insurance agents are always ready to help breakdown your coverage and make sure you have the best policy to fit your needs. From the initial quoting process to making changes to your current policy, we’re always here to help you out.

We make comparing quotes and finding the best additional coverage options to fit your needs simple and easy with our online quoting system. You can compare quotes from top national providers online in just minutes to find the coverage you need at a price that works with your budget.

Don’t get caught without roadside assistance when you need it most. Instead, visit our independent agents online today to start comparing quotes and invest in total insurance coverage.

Spring Storms and the Hazardous Roads Ahead

You and your car have made it through the winter, without an accident or any big issues. Now that spring is here, you can breathe a sigh of relief and relax, right? Not so fast. While the weather is generally much better in spring than in winter, it brings with it its own set of roadside hazards. You’ll want to be as cautious and alert on the road this spring as you were in the winter.

Damaged Roads

The snow might be long gone, but the damage it left behind is likely to linger, as road crews work to fill in potholes and fix cracks in the road. Since you can’t always avoid them, there are a few things you do to minimize the damage caused by potholes. One thing is to drive slowly. Another is to keep your car’s tires inflated at the pressure that’s recommended. A properly inflated set of tires can reduce the amount of damage your car suffers or can keep the tire from blowing out. You might also want to take the time to review your auto insurance policy. Many do cover pothole damage. If yours doesn’t, now’s a great time to compare quotes and find one that does.

April Showers Bring May . . .

Rain makes the roads less safe in a number of ways. For one thing, your visibility decreases during a rainstorm, especially if it’s a heavy downpour or if there’s enough water on the roadways that other drivers splash your windshield. Rain also increases your risk for hydroplaning, or skidding on the surface of the water. If you’re on the road and it’s raining, there are three things you need to do: turn on your headlights, turn on your wipers, and slow down. If you want to avoid hydroplaning, it’s best to avoid driving right at the beginning of a rain shower, as that’s when the roads are the most slippery. Should you feel your car start to skid or hydroplane, go easy on the brakes. Instead, brake slowly. Keeping your tires inflated to the right pressure will reduce the chance of hydroplaning, too.

More Activity on the Roads

As the weather warms up, people tend to go out more and more. That means there won’t only be more drivers out there, but more cyclists, pedestrians and road crews. If you see a cyclist ahead of you, give him or her a wide berth. Slow down in areas where there’s road work, and always follow the instructions of the flaggers or other people working.

Staying safe on the roads doesn’t only mean driving with care. It also means making sure your insurance policy offers you adequate protection. A new season is a great time to review your policy or to see if there is a better one out there for you.

Got caught driving over the speed limit? What does this mean for your auto policy?

There are many different factors that determine what each individual will pay for their car insurance policy. Everything from your age to the state you live in and your marital status affect your premium. but when you get a speeding ticket you can also see changes to your bottom line.

How Will a Speeding Ticket Affect You?

Each insurance company has a different way of handling speeding tickets. In some cases for a first offense you may not see any changes to your regular premium payments. Other companies could raise your rates over the course of 3 years for a speeding ticket. While others may apply a surcharge to your premium that can be removed after one year if no further speeding tickets or other traffic infractions are added to your driving record during that time.

The severity of your ticket also has to do with any possible changes to your rate. For example, if your speeding ticket was for 10 mph or more over the speed limit you could be looking at more moderate effects on your insurance premium than you would for something minor like a broken tail light.

Excessive speeding is where most people see the biggest changes in their overall insurance rates. It is also important to keep in mind that a speeding ticket for 20 mph over the limit will carry stronger penalties than one given for 5 mph over the legal limit.

Avoid the Surprise of Changing Rates

There is only one way to know for sure what changes you may be facing when it comes to your insurance premium after getting a speeding ticket. Understanding your policy and having a good relationship with your insurance agent is the best way to keep from getting a surprise premium change.

If you are in the dark when it comes to the terms of your current policy it may be time to shop around for new insurance quotes. Finding a policy that has your best interests in mind doesn’t have to be a daunting task. You can easily find affordable and comprehensive coverage with an experienced, independent agent online in just minutes.

What is Collision insurance and why do I need it?

Choosing the right coverage for your vehicle is imperative. The right coverage can ensure that your vehicle is repaired or replaced in the event of an accident, regardless of whether or not you were the at-fault driver. The wrong coverage can leave you with expensive repair bills.

The Importance of Collision Insurance

Do you know how you would repair your car in the event that you hit another vehicle or object or experienced road damage due to flying rocks? Many car insurance policy holders erroneously believe that they are covered in the event of an accident. Unfortunately, if you do not have collision insurance, you may not be covered if you are found to be the at-fault driver. This would force you to pay for all of your car repairs out of your pocket.

Collision insurance can limit your personal liability if you are found to be the at-fault driver in an accident. Collision insurance policies are designed to repair or replace your car, according to your policy limits and deductibles, in the event that you hit another vehicle, object or pothole.

Car accidents and minor fender benders happen all the time, and our insurance agent wants to help you protect yourself against expensive repair bills by choosing the right coverage for your vehicle and driving habits.

Getting the Right Collision Insurance for Your Needs

When looking for collision insurance, it is important to acquire numerous quotes and compare those quotes. Not all policies are the same, and we understand that you want a policy that protects you while not draining your wallet.

Our independent insurance agent can help you find the right policy for your needs that fits your budget. It starts by requesting a quote with our easy-to-use quote tool. Simply enter your zip code and some essential information, and we will provide you with multiple quotes from multiple insurance agencies in your local area. This allows you to quickly view the costs of the policies and their coverages and decide on the best policy for you and your family. Our quoting tool can provide quotes for drivers that own their cars and for drivers that are still making payments. Utilize our personalized quotes today.

Will Leasing a Car Majorly Impact my Auto Insurance?

Leasing is a fantastic option for budgeters in need, though locating cheap car insurance can be difficult. Time-consuming expenses aside, consumers often wonder how leasing a vehicle will affect their auto insurance rates.

If you’re considering leasing, and, before you optimize your search with insurance quote leads, make sure you understand the impact of leasing a vehicle. In the realm of auto finance, insurance optimization is key, and knowing the “ropes of leasing” will both streamline financing processes and save time.

Liability Responsibility

If you’re leasing a vehicle, you’ll still be responsible for liability coverage. Optimum leasing is acquired by drivers picking up new vehicles every couple of years or so. In several ways, locating the best-possible insurance deals for leased vehicles is very similar to locating owned vehicle coverage.

Comprehensive Coverage and Financial Protection

Of course, many states require leasing drivers to have comprehensive and collision coverage. Similarly, lenders require similar coverage to protect their assets from theft, accidents and vandalism. Often, collision insurance protects both parties in the event of an accident.

This comprehensive insurance is referred to as “full auto insurance”. However, full auto insurance doesn’t beat depreciative costs. In short: Your leased vehicle will lose value over time, and covered reparation funds may be higher than those covering a purchased vehicle.

Owed Funds and Non-Consideration

When a leased car is damaged, stolen or otherwise depreciated, insurance providers will calculate its covered value on an at-time-of-loss basis. Your owed amounts won’t be considered, and you may lose money in the long run.

Often, however, dealerships, providers and lenders include Guaranteed Auto Protection coverage within a lease. This covers forgone amounts, and it holds it against an auto insurance provider’s determined amount. It’s utilized to protect consumers from owing money, and it buffers them from losses.

Your Plan and You: Selecting the Right Lease Plan

When comparing automotive coverage quotes, consider Guaranteed Auto Protection as a prime requisite. Many leasing agencies will notify you of such dynamics, and coverage agencies must comply to these terms when they’re signed upon leasing.

Remember: Your vehicle is still owned by your dealership. Your auto provider may opt to replace requirements, alter their Guaranteed Auto Protection or otherwise remove coverage. When searching for insurance quotes, consider the dynamics behind a technically “unowned” vehicle. In general, leasing an automotive is an excellent financial plan, but careful speculation is required to maximize savings.

The New Year: Getting the Most from Your Auto Policy

It’s the new year, and protection is a paramount consideration of automobile owners. When searching for car insurance, remember to compare rates effectively. Additionally, consider a variety of rating factors when opting for maximum auto coverage. The more you compare companies, the higher your optimization will be. The higher your optimization is, the better your coverage will be.


Know Your Coverage


As your independent quote comparison provider, we care about information and comparison logistics. Many states maintain auto insurance minimums, or required standards for legal coverage. However, you may benefit from purchasing above required coverage.


If you contain valuable assets—assets susceptible to damage during accidents—you may require higher liability limits. Depending upon your state’s coverage, vehicles with low cash values may not benefit, financially, from comprehensive or collision coverage. However, if you’re leasing or loaning your car, you may require such coverage.


High Credit Ratings Equate to High Coverage


Before searching our comparison database, check your credit score. Your pre-existing, credit-based credit score can enhance your rates. Additionally, your insurance losses may be reduced if you’ve been in good credit standing. While not every insurance agency inspects auto owners’ credit ratings, most compare statistics relevant to a driver’s accident claims and driving history.


Saving Money with Higher Deductibles


Higher deductibles greatly reduce auto insurance owners’ expenses, and opting for a high deductible will directly lower your premium. Hundreds of dollars may be saved when choosing the right amount, and paying a deductible in a lump sum following an accident is never an option.

Submitting a claim is generally a stress-free situation when extra money is funneled into premiums for lower deductibles. In general, good forethought often promotes clean, sustainable insurance coverage.


Your Driving Record is Important


Like your credit score, your driving record should be maintained. If you’re considered a “low-risk driver” by insurance providers, you’ll likely encounter cost reductions and benefits. Additionally, you” receive lower insurance rates, and your driving record can be routinely checked against accidents to further increase total liability coverage.


When comparing auto coverage quotes, remember to consider bundle packages, too. Often, various insurance companies provide discounts for various packages, and reduced premiums, combined policies and flexible coverage options are always available. Driving safe, maintaining a good credit score and flexing industry knowledge provide a wealth of benefits to new and experienced drivers—and comparing diverse, flexible auto coverage options will ensure premium coverage, safety and happiness throughout the new year.

Holiday travel and car insurance policies.

During the holiday season, the way that you use your vehicle and the plans that you make can differ from your normal schedule. In some cases, you may discover that your auto insurance is not appropriate for your needs. Before you start working on your travel plans, you should always review your current auto policy and make sure that it is appropriate for the plans that are you creating.

Determine Your Plans

If you are planning to travel to a different state for the holidays, then you need to determine if you will be renting a car or if you are driving your vehicle across state lines. During the holiday season, it is easy to assume that your auto coverage will automatically cover a rental vehicle, but every policy is different. If you plan to rent a vehicle, then look at your current auto policy to determine if you are covered.

Do not make assumptions about your coverage. Always determine the way that you intend to travel so that you can evaluate your current policy and see if it is appropriate for your goals.

Limitations in the Policy

Along with any concerns related to the way that you intend to travel, you should also consider the possible exceptions or limitations that are currently in your auto policy. In some cases, your car insurance may provide coverage if you cross state lines; however, you should be aware of any exceptions that may apply to the situation.

Your auto policy should provide details about the coverage and exceptions in the paperwork. Read the policy to determine if your plan is appropriate.

Find Appropriate Coverage

If you determine that your current auto policy is not appropriate, then it may be necessary to compare quotes and find a new policy for your vehicle. Your holiday plans can go forward without unnecessary risks if you ensure that the vehicle is covered against possible problems.

Look at several policies and quotes before you finalize a purchase. You can compare quotes through online tools or talk to an agent to determine the options that are available. Make sure that your specific concerns are addressed in the policy.

During the holiday season, you may make a variety of plans that will require driving. Although your current policy may be appropriate for many situations, you should always make sure that the plan will apply if you drive to a different state or if you are planning to rent a vehicle.

Does an Auto Insurance Policy Deductible Apply to a Windshield Replacement?

When it comes to auto insurance, using the policy can be just as confusing as purchasing one. With the help of our independent agents, though, you’ll have no trouble finding the insurance that you need at the most affordable rates. In fact, we offer an online tool to help you to do that. When it comes to what types of coverage your policy offers and provides, it is important to take a close look at your individual policy since this can differ from one to the next. However there are some helpful things to know about windshield replacements.

Is Your Windshield Covered?

To find out if your specific policy covers this type of loss, you will need to read through your documentation or call your agent for additional information. However, most auto insurance policies that offer comprehensive coverage will provide this type of coverage. It also depends on how the windshield broke. If you were involved in a collision that you caused, collision insurance may cover the costs. If you were involved in an accident where a tree branch fell on your car, it may be covered depending on the type of plan you have.

Keep in mind that your deductible will play a role in this process. For example, you may have auto insurance with a deductible of $1000. If that is the case, you’ll need to pay the first $1000 towards the claim. If your windshield costs less than this, there may be no point in filing a claim. However, if you do, that claim would then count against your annual deductible, if that is what your plan provides. Some individuals have a deductible that applies per instance or incident. This may mean that you’ll have to pay $1000 on the next incident and claim as well.

It helps to have the right type of auto insurance in place. That’s why it is so important for you to shop around for insurance plans. We can help you to do just that. Use our online tool to help you to compare policies from multiple insurance carriers. You can see what the deductibles are, what they cover, and what other costs apply. This is an easy way for you to ensure you get a policy that offers an affordable deductible for you while also meeting your other insurance needs.

The Dangers And Impacts Of Texting And Driving

There is no doubt about it: These days, everybody seems to have a cell phone in their hand everywhere they go. Unfortunately, this also means that many people have their cell phone close at hand while they are on the road – and for some, it is nearly irresistible to respond to text messages even while trying to drive.

Most people may think, "It will just take a second or two to read this text," or "I can type a text with one eye on the road and one eye on my phone." However, these can be very dangerous attitudes. According to the National Highway Traffic Safety Administration, around 18 percent of all crashes that ended in fatalities were caused by driver distraction. In distracted driving crashes, more than 400,000 people were injured in the year 2010.

Statistics from Virginia Tech Transportation Institute have recently revealed that if you try to text while you are driving that you are far more likely to be involved in an auto accident. In fact, texting while you are on the road makes you 23 times more likely to be in a car crash. Simply driving without distractions makes a huge difference in your own safety and the safety of all the other people who share the road with you.

Even the very best drivers do have occasions when accidents happen sometimes. While you may be driving undistracted and cell phone free, that does not mean that the others on the road are necessarily observing the same safety rules. This makes it especially essential that you have proper insurance coverage.

Having a full insurance plan that covers collision, comprehensive damages, and liability is the best way to make sure that you are guarded against all types of accidents, including the distracted driving ones. Our independent agents are happy to generate free quotes from multiple major insurance providers for you anytime. If you prefer to get ultra quick insurance quotes without even having to pick up the phone, try our live comparison tool for auto insurance quotes online. It’s a free service and takes just a few moments of your time!