Are You Sentimental About Your Auto Insurance Company?

Cheap Car Insurance

Are You Sentimental About Your Auto Insurance Agency?

Why is it that you aren’t comparing auto insurance quotes? Is it because you’ve had the same company for years and you kind of feel attached to them? It might sound silly, but I think a lot of us get that way. With money being a little tight today it might not be a bad idea to spend a few extra minutes and compare. With online quotes being simple to get, why not spend a few minutes- you might be surprised and get to keep a little extra cash in your wallet- not a bad thing is it?

Deductible, liability, no fault- the terms of auto insurance can get a little confusing and figuring all this out on your own might seem like a mountain- so why not talk to an agent. A real person instead of a computer screen, a face to face or even a phone to phone conversation could help to answer questions which could lead to some significant savings- not a bad way to save a buck or two.

Maintaining a safe driving record is also a great way to keep the cost of auto insurance down. AAA offers classes that wouldn’t take a lot of time and could save you some money- and maybe make you a better driver- those are impressive benefits.

Young drives pay a large premium for the privilege of driving. Having three children I know this for a fact. Comparing and keeping that safe driving record are important for guarding the wallet. A few extra moments to check the rear view mirror are well worth the effort to avoid an accident or a ticket. Keep the cell phone on the seat and out of your hand- you can always pull over to answer the phone- don’t take any unnecessary chances.

Discounts are worth seeking out. Look on line, ask an agent, and use your bargaining power. So, just because you’ve always done things the same way, doesn’t mean you can’t teach a young dog a new trick. Whose money is it anyways? If a new company wants your business and can offer you a better deal- why stay with the old company? As you count your extra cash each month the old sentimental feelings might just be replaced with a happy smile and a great sense of satisfaction for a job well done. What really do you have to lose by shopping around and comparing rates?

There are several factors that are important in determining how much you can save on your car or automobile insurance premiums by getting a car insurance quote. Let’s discuss a few right now, so you can have the best chance to find cheap car insurance.

First, the driving record of the drivers in your household is a major factor. Violations such as speeding, reckless driving, and failure to obey a traffic device all drive up your policy rates, and a driving record with no violations means lower prices. Good advice, drive safely and make sure the other drivers in your household do as well.

Second, the ages of the drivers in your household. The younger drivers, especially those under twenty-five, will have higher risk associated with them, and therefore they will tend to drive your policy quote higher. You can mitigate this somewhat by making sure they take driver’s education and safety courses offered by your local school district or AAA.

Third, the types of vehicles on you policy effect your premiums. Sports cars and expensive luxury cars are often more expensive to insure, and coverage for a classic or antique vehicle can also be higher. Older vehicles that do not require collision coverage can spell cheap car insurance, and these are sometimes a good alternative for younger drivers. Don’t sacrifice safety features like daytime running lights and anti-lock brakes though, because those features often mean nice insurance discounts.

These are just a few hints and tips to follow. In addition to this page for English speakers we also have a page in Espanol called “Seguro de carros baratos”. Shouldn’t you take 8 minutes and get your quotes now?

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“ I’m just a regular guy who hates high insurance rates as much as the next person. That’s why I put this site up, hopefully so I could help a lot of people find lower rates. Get your quotes now… I think you’ll be glad you took the 8 minutes. ”

from Ed Cuellar Insurance Agency http://edcuellar.com/are-you-sentimental-about-your-auto-insurance-company/
via http://edcuellar.com

Things You Need to Know About Home Insurance

When it comes to protecting your home, it’s more than just safeguarding against theft or structural damage. Home insurance necessitates you to think about the bad things that can happen to your home: structural damage from natural occurrences, theft, etc. It can sound pessimistic to think about what might happen, but it’s imperative that you protect yourself against everything life throws your way.
You should feel safe in your home, which is why homeowners insurance is so important. If you’re faced with a disaster, you need to focus on how to reclaim your sense of stability; the furthest thing on your mind should be money. Some of the top things you need to know about home insurance are the following.

Know your Home Insurance Coverage

Generally, home insurance policies will pay for any damage to your possessions and property if you are the victim of vandalism, fire, theft or certain storms. It also provides liability coverage in the case someone gets hurt on your property and you become the victim of a lawsuit. Home insurance also covers shelter costs, so you are spared expensive hotel bills if you are displaced from your home for a period of time.
Home insurance also protects your belongings outside of your home. For example, if something is stolen from your car, this would not be covered by car insurance, but it would be covered by home insurance. Generally, policies cover your belongings when you take them with you while traveling. If you have a business trip and your expensive laptop is lost by the airline, contact your home insurance agent after filing the claim with the airline. In most cases, you will receive some compensation.

Know What Your Home Insurance Doesn’t Cover

Standard home insurance policies exclude power failures, earth movements such as earthquakes, landslides, and sinkholes, nuclear hazards, war, governmental actions, bad workmanship or repair, faulty zoning, and flooding or poor maintenance. Home insurance policies usually cover windstorms, although coverage of hurricanes or tornadoes may be excluded in some high-risk areas.
Water damage can be more complicated. Usually, water that falls from above, such as burst pipes and flooding is typically covered, but the water that flows from below, such as ground flooding or a backed-up sewer, usually isn’t. If you live in a high-risk area for earthquakes and floods, then considering supplemental coverage is important.

Shopping Around for Home Insurance is Essential

Before you commit to a policy, take some time and research a trustworthy agent. An excellent source of feedback is a personal recommendation or good online reviews. If you need to file a claim, the process may be draining when dealing with someone you don’t trust, or that wants to withhold or deny your claim for arbitrary reasons. A trustworthy agent and home insurance company may mean the difference between receiving your money or not, and the amount of hassle that it will take.
It’s important that you not just shop for a policy; you need to ensure that you are selecting the best agent for your needs.

from Ed Cuellar Insurance Agency http://edcuellar.com/414/
via http://edcuellar.com