Auto Insurance

Lock Up Your Car Safely

Locking your car is easy, right? Well, it’s more complicated than you might think, if you are the target of thieves. Read on to learn more. Locking Tip Picture this scenario: you pull in to the grocery store to pick up a bottle of milk and some hamburger buns for tonight’s family meal. You are only in the store for five minutes and come out to your car to find that your valuables have been stolen from your vehicle. You had locked your doors, yet there is no sign of a break-in. What happened? When leaving your car and locking it with the key fob on your key chain, thieves sitting in the parking lot can actually use a device that clones your vehicle’s security code emitted by the fob. Then, they can use that device to easily unlock your…read more →

Should You Drop Collision Coverage On Your Old Car?

We’re often asked when is a car so old that it’s no longer a wise investment to continue buying collision insurance for it. The answer depends on your individual situation. First, what’s the true worth of the car? Any repair or replacement costs following a collision will be based on the value of the vehicle at the time of the claim. Also consider your deductible amount. For example, if your car is now worth $2,000 and your deductible for collision claims is $500, insurance will pay no more than $1,500 for your loss. Once you’ve estimated the maximum that your policy is likely to pay for a collision, ask yourself whether the value of the car would create a significant financial hardship if it were totaled in an accident without insurance. Is the cost of collision coverage reasonable, considering the…read more →

Winter Driving Tips

Any travel during winter months is risky. Storms come out of nowhere, roads become icy quickly and inexperienced drivers take unwise risks. Be prepared to stay safe on the road thanks to eight winter driving tips. 1. Check the forecast. In less than a minute, you can find out if you’ll be driving in fog, snow or ice. You can also discover which roads are blocked and if you need to find an alternative route to your destination. 2. Slow down. In snowy conditions, cut your speed in half to ensure you have adequate stopping distance. Don’t go so slow, though, that you lose momentum on grades.   3. Know skid recovery. Braking on slippery roads can cause your vehicle to slide instead of stop. If this happens, you need to know how to recover. Stay off the brake and…read more →

Will Insurance Cover Your High-Tech Car Key?

Will Insurance Cover Your High-Tech Car Key?

Will Insurance Cover Your High-Tech Car Key? Metal car keys are going the way of the land line, as most drivers have graduated to a key fob or remote with a transponder that needs programming before use. If you own a high-tech luxury vehicle you might have a “smart key” – a remote control to plug into your dashboard or leave in your pocket. Although these devices add convenience, they’re pricey. You’ll pay $200 to $400 to replace a smart key on a luxury car, plus $100 an hour for labor. If you lose all your keys, you might need to replace the locks, which could cost $1,000. Auto insurance will cover the cost of replacing smart keys (or metal keys) only if the loss comes from a peril covered under the policy. For example, if your keys are damaged…read more →

Are You Ready For A Car Crash?

You know the drill after an car crash, heart stopping panic, and then, especially if there’s major damage or a serious injury, exchanging names, addresses and insurance information with the other driver. Easy, right? However, if the other driver refuses to provide these particulars (or you’re so shaken that you forget to ask for them), you could end up in serious financial, or even legal, trouble. Dan Young, Senior Vice President of Insurance Relations for CARSTAR warns, “[After an accident] sometimes drivers just don’t do what they’re supposed to do.” To make sure you’re prepared for such a mishap, follow these guidelines: Remain at the scene. Although state laws differ, failure to exchange information or notify police can lead to a hit-and-run charge or loss of your license. Keep a “cheat sheet” in your glove compartment about what to ask after…read more →

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