If you drive for a ride-hailing company like Uber or Lyft, or if you’re thinking of joining one, insurance coverage can seem like a secondary concern or something too complicated to tackle. But it’s more important than you think – and inaction could put you at risk. Do you have the right auto insurance to […]
How Hybrid and Electric Vehicles Affect Your Auto Insurance Quotes
For many hybrid drivers, ditching the gas guzzler for something a bit greener may be more about lifestyle than economics. But if you choose one of these vehicles, it could cost you when it comes to auto insurance quotes. Hybrid car insurance generally costs more than coverage for gas-powered vehicles, according to a 2008 study […]
Insuring Your Classic Car
A classic, custom, collectible or antique car requires insurance that reflects your vehicle’s uniqueness and value. If you own-or are thinking of owning-a special set of wheels, find out about the kind of policy you need. What Types of Vehicles Need Special Insurance? A classic, collectible or antique car is no ordinary car-and regular auto […]
The Cheapest Cars to Insure in 2019
**Study was done by ValuePenguin. Actual premiums may vary. Talk with your insurance agent for details regarding your own quote and vehicle.** We looked at 50 of the most popular models on the road to see which were the least expensive to insure. Our research showed that minivans and small pick-up trucks were, on average, […]
8 Insurance Points to Consider Before Buying a Car
Most people know they need insurance for their new car, but in the excitement of buying a vehicle they may not research it as carefully as they should. Skipping over this detail may cause financial problems almost as soon as you drive off the lot. “You need to shop for insurance before you ever step […]
Classic Car Insurance: What is it and How does it Work?
Whether you own a 1994 Ford Mustang SVT Cobra, 1966 Ferrari 330 GTC, 1941 Willys American Hot Rod, original Model T from 1923, or a other coveted collector car, you probably want to do everything you can to protect your investment and ensure many years of fun and enjoyment with your prized vehicle. That means […]
The 5 Culprits for Rising Auto Insurance Costs
According to James Lynch, chief actuary, vice president of research and education at the Insurance Information Institute (III), there are five main factors responsible for frequently rising auto insurance rates. More miles driven. Not surprisingly, the number of accidents is directly related to how much people are driving. “When you go into a recession, a […]
Types of Auto Insurance
There are several different categories of auto insurance and each covers a different aspect of your risk as a driver. Liability: If you are deemed at fault in a car accident, liability coverage will pay for repairs, medical costs for injuries suffered by others in the vehicle, plus other expenses related to the accident such […]
Auto Insurance Database Would Improve Police Ability to Catch Uninsured Drivers
“Can you go ahead and give me your license, registration and insurance card, please?” That question never signals happy times. Almost always it’s asked for a driver pulled over for a traffic infraction or involved in a crash. The law enforcement officer can quickly verify your license and registration status via a real-time statewide database, […]
Spooky Truths Regarding Halloween Safety On and Off the Road
Kids love the magic of Halloween: Trick-or-treating, classroom parties and trips to a neighborhood haunted house. But for moms and dads, often there is a fine line between Halloween fun and safety concerns, especially when it comes to road and pedestrian safety. In 2015, about 6,700 pedestrian deaths and 160,000 medically consulted injuries occurred among […]
Oh Deer! What to Do When You Hit an Animal
No matter where you’re driving, in a residential area or on the open road, you run the chance of hitting an animal, on accident of course. Animal accidents are common in this day and age. However, it’s important to know what to do in these situations in order to keep the road clear and safe […]
Wildlife Crossing: Tips to Avoid Animal-Vehicle Collisions
Animal-vehicle collisions are not only costly, but can be dangerous. From 2001-2011, animal collisions contributed to more than 2,080 fatal crashes nationwide. Whether a deer, dog, moose or squirrel, animals on the roadway are unexpected, and their actions can be erratic and unpredictable, creating a dangerous situation for motorists. Most wildlife-vehicle collisions occur during the […]
Wildlife on the Road
To swerve, or not to swerve: That is the question. Before leaping to an answer, consider these statistics. A collision with some form of wildlife occurs, on average, every 39 minutes. 1 out of every 17 car collisions involves wandering wildlife. 89% of all wildlife collisions occur on roads with 2 lanes. 84% of all […]
ICYMI: 7 Back to School Driving Safety Tips
Safety Tips Summer is drawing to a close and school is starting up again, meaning increased traffic on the roads. With college students packing up their cars to go back to campus, and parents dropping off and picking up kids from school, the increase in traffic congestion and distracted driving can create dangerous road conditions […]
What to do when pulled over
If you notice that a police car is following you with the lights flashing, pull over to the side of the road safely and quickly. Wait inside your car for the officer to approach, and be prepared to: Turn on the light Turn on your interior light at night and keep your hands where the […]
Why College Students Should Leave the Car at Home
The microwave, mini-fridge and “Star Wars” poster may be no-brainers, but there’s one item that should give parents pause as they guide their high school grad out of the nest: the car. Even though your child has probably been driving unsupervised for a year or two already, taking a car to college may not be […]
What to do after an accident
If you’re in an accident, first make sure no one in the car is injured. Next, check on the passengers in the other vehicle, pedestrians and anyone else nearby to make sure they’re OK. Then do these five things: Stay at the scene Leaving can result in legal consequences, like fines or additional violations. Call […]
The Parents Guide to Insurance for College Students
Saying the last goodbye in the dorm parking lot, the stark realization dawns that you can’t protect your child from every risk. It’s time to let go. But back at home, you can assemble a strong financial safety net. Knowing what your current insurance will pay for — and whether you need to buy extra […]
Driving safety tips every driver should know
When you’re behind the wheel of a car – whether alone or with passengers – driving safely should always be your top concern. We’re more distracted than ever, so it’s crucial to know the basics of safe driving and practice them every time you’re on the road. Here are some safe driving tips: Top 4 […]
Distraction is Deadly
Distracted driving is dangerous, claiming 3,477 lives in 2015 alone. Additionally, 391,000 people were injured by distracted driving, and 660,000 is the estimated number of drivers using electronic devices while driving. The NHTSA leads the national effort to save lives by preventing this dangerous behavior. Get the facts, get involved, and help us keep America’s […]