Monday, October 31, 2022

Towing and Road Service

Yes, put this endorsement on your auto insurance policy. If your car breaks down on the side of the road, having a tow truck driver come to your rescue is priceless. These guys are unsung heroes. They work in the worst weather conditions, at all hours of the day, and solve your problems with the greatest of ease. 

Check your insurance policy or ask your agent for coverage specifics. Some carriers have smart phone apps that make it easy to call for a tow. Download the app and look for that function.

You might say, "I have a new car. It won't breakdown." Well, what about flat tires, dead batteries, running out of gas? What if your car gets old and you forget to put the coverage on. It's a no brainer, get the coverage. 

Friday, October 28, 2022

High Deductibles- Advantages

Higher deductibles on auto insurance can be a great long-term strategy for lower premiums. If you're carrying deductibles over $1000 for collision, there is less benefit to file claims for dings and scratches to your car. This may lead to fewer claims, but you will have to pay out of pocket to fix your ride or drive around with the damages. Some people don't mind a few dents on an older vehicle. It goes without saying, don't drive it if it's unsafe.