Automotive Insurance

Umbrella insurance is extra liability coverage that kicks in after the liability coverage on your auto policy or homeowner policy is exhausted. The coverage adds to the coverage on the original policy. There are two factors in umbrella insurance coverage, the value of coverage and the level it kicks in at. For Example, let’s say…

Are you traveling this summer? Do you have any road trips coming up? Have you ever locked your keys in the car? If your answer is yes, then you should protect yourself in the event that you break down or need roadside assistance. Allstate Motor Club gives you the peace of mind that while you are out on…

Whether you’re just learning to drive or you’ve been behind the wheel for decades, it’s a good idea to review some basic rules for safe driving. 5. Watch Out For Other Drivers (Defensive Driving) – As if it isn’t difficult enough to focus on the road, you should also be aware of other drivers around…

With the economy in the shape that it’s in, everyone could benefit to save a few dollars here and there. The following tips are just a few ways that can help you keep your auto insurance premium down. #1 Multi-Car Discounts One of the best tricks to lower auto insurance is with a multi-car discount.…

No one wants to get involved in an accident even if you are covered by a car insurance. However, since accidents can’t be predicted, it may be inevitable that if and when it happens, you will need to make a claim on your policy’s coverage. Here are a few tips on making a claim: 1. Never drive away…

If you have recently added your newly licensed son or daughter to your auto insurance policy then you are familiar with the increase in premium that comes along with that. The following 5 tips will help you to cut back on some of that increase:  1. Good Student discount. Encourage your kids to get good grades. Most insurers…

How Does Traffic School Affect Your Auto Insurance Premium? Many drivers who receive traffic violations pay their fines, take the points on their driving record and then they see an increase to the auto insurance premium. Most traffic violation points stay on your driving record for 3 years. That means you are stuck with a higher premium…

Your auto insurance premium is what your insurance provider charges for your coverage. That premium is determined by many factors including:  Your Age – Being that young drivers have less experience behind the wheel and are more likely to speed, they are more likely to get into an accident. Therefore a young drivers rate will be higher…

What Information do I need when I am ready for an auto insurance quote? The more information you can provide to the agent, the more accurate your quote will be.  Be prepared with basic information such as: 1. Drivers’ names, ages, sex, and marital status; 2. Drivers License information (for any accidents or violations) 3. Annual mileage driven on your vehicles  4. The…

Why should you have Uninsured Motorist Coverage? With the rise in unemployment and economic decrease, one of the expenses that drivers are cutting back on is their auto insurance. Whether it’s lowering their coverage’s or cancelling the policy all together,  Uninsured/Underinsured motorist coverage will help in the event that you are hit by a driver…