What Determines Car Insurance Rates

  Your auto insurance is based on more than your history as a driver. The amount you pay for auto insurance is determined by a complicated algorithm that takes many factors into consideration. Your driving history is just one variable used to calculate your rate. Read on to learn more about what auto insurance carriers look at when they determine your premium. Age is a key factor.  Younger drivers are considered the riskiest to insure due to their lack of experience behind the wheel. Most insurance carriers consider a “young driver” to be [...]

2024-04-16T13:25:31+00:00April 16th, 2024|

What Is Gap Insurance?

Purchasing a new vehicle can be exciting and overwhelming! You go to the car lot, test drive dozens of vehicles, find the perfect one, and now are sitting at a desk signing what feels like a thousand documents. The salesman asks if you want a warranty, special add-ons, gap insurance, and more… with each option adding additional costs if you say yes. It’s easy to say no to all of the above as the vehicle itself is already so expensive but wait! You may want to reconsider saying no to gap insurance. Gap [...]

2023-03-31T15:15:32+00:00April 16th, 2023|

Preparing Your Teen For Winter Driving

Winter driving can be intimidating for anyone, but it’s especially overwhelming for new drivers who may not be as comfortable behind the wheel. Snow and ice can make driving conditions dangerous and preparing your teen drivers properly could save their life. Having a conversation with your teen about the dangers of driving in winter weather is a great way to help prepare them. Share some of your own experience and some winter driving dos and don’ts such as: Do Take it slow. Traction is one of the biggest challenges when roads are icy [...]

2022-12-06T12:00:47+00:00December 6th, 2022|

Don’t Let Your Employees Drive Distracted

From restaurants with delivery drivers to corporate entities that give their staff vehicles to use when meeting clients, vehicles are driven by employees are an important piece to many businesses. However, relying on vehicles driven by staff exposes you to a huge threat… Distracted Driving. Actions like using a cell phone, fiddling with your GPS, or eating while driving can lead to a serious accident. Distracted driving is dangerous in ideal conditions but add in bad weather or traffic and it could be disastrous. It is important to have practices and policies in [...]

2022-06-01T18:29:33+00:00June 5th, 2022|

Routine Maintenance Every Driver Should Consider

We rely on our vehicles to get us everywhere we need to go when we need to go there. In return, our vehicles rely on routine maintenance. It takes making sure that things like tires, brakes, fluids, filters, and more are in order for your vehicle to remain safe and dependable. There are a lot of moving parts, let’s take a look at some routine maintenance every driver should consider. Check and Rotate Your Tires. Nobody likes a flat tire, but it is one of the most common issues drivers face on the [...]

2022-06-01T14:48:45+00:00June 5th, 2022|

Insurance Gaps You Face When You Rideshare or Deliver and How We Can Help – Uber, Doordash, and More

Services like Lyft, Uber, Doordash, and GrubHub are popping up all over the country. These services make life a little more convenient and give people new income sources. When you work for one of these services you get to set your own schedule, meet new people, and put extra money in your pocket. However, there is a huge risk factor that isn’t discussed often… Rideshare and Delivery Driver Insurance. When you drive or deliver for one of these services, you may not be as covered as you think when it comes to your [...]

2022-02-14T13:58:02+00:00January 30th, 2022|

Controlling Road Rage

It has happened to the best of us. You are on your way to the beach house for the week with your closest family and friends and you are cruising along listening to music and having a good time. When BAM you hit traffic that appears to be 10 miles long. It starts to become hot, your daughter has to pee, your son is complaining he is hungry, and all of a sudden someone cuts you off. ROAD RAGE HITS! Now what? You could put your car into park and get [...]

2021-07-27T15:48:27+00:00August 23rd, 2020|
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