Mar 11, 2019 | Insurance
People are still paying more when it comes to insuring their cars. This is because some auto insurers don’t like sharing automobile insurance tips with individuals trying to get a better price from their coverage. Therefore, by getting to know how auto insurance works, you save more money as well as reduce the chances of your monthly premiums rising. 1. Do your research Various insurance agencies offer different coverage. Also, there are different schemes for cars, houses and any other property that requires coverage. As such, whenever you are buying your auto insurance, it’s crucial that you understand the type of insurance you are about to purchase. Thorough research will help you compare insurance companies to ensure you are choosing a financially stable insurer. 2. Buy in bulk For people with more than one car or need to insure other properties such as their houses, they need to get all of these policies from one provider. Paying in lump-sum is a form of buying insurance in bulk. Also, the shorter the payment period, the less the total payment likely to be made. 3. Review your insurance coverage from time to time Many changes in your life affect your insurance policy. This is why reviewing your policy is essential. For instance, if your annual mileage has significantly reduced, get your insurance company to lower your rates. 4. Take advantage of discounts Most car insurance companies offer a wide range of modest discounts that are based on your lifestyle. Some of these include discounts for students with good grades, people with safety and anti-theft equipment, affinity group members (e.g., college alumni),...
Mar 5, 2019 | Insurance
The internet has improved our lives in many ways. Despite offering several benefits, most people develop cold feet when making serious investments, like purchasing auto insurance online. If you’re one of them, here are five reasons why buying your car insurance online from a local agency is a smart move: 1. Lots of options Buying auto insurance directly from an agent may seem convincing, but you may be missing the big picture. For instance, you don’t have a lot of options to compare. With an online purchase, you can compare the pros and cons, peer reviews and qualification factors from multiple insurance companies before making an informed decision. 2. Avoid marketing tricks Most insurance agents are salespeople trying to market a product. As such, most of them use marketing tricks, and some may even overlook what suits you. But when you buy your auto insurance online, you have no one to match wits with. You access information about various policies before choosing what’s best for you. 3. Cost-effective Most insurance agencies advise clients to purchase their car insurance or pay premiums online because it reduces the cost of paying commissions to agents, and other expenses such as processing of documents. The insurance company then passes down the benefits – like affordable policies and low premiums – to you the customer. 4. Numerous discounts and offers Most insurers and partners offer lucrative deals, such as discounts to encourage people to buy their auto insurance online. For example, some credit cards offer 5% cash back once the transaction is complete. Therefore, you can save hundreds of dollars annually if you pay...
Feb 25, 2019 | Insurance
Although the two main factors that affect the cost of insurance are deductibles and amount of coverage, the overall rate is usually influenced by many other factors. Some of these factors are easily controllable while others are entirely out of our hands. Therefore, having information about the factors that affect your insurance rates can help you know what to do to reduce your expenses and make informed decisions when looking for affordable insurance. 1. Car-related factors What is your vehicle safety rating? A higher vehicle safety rating translates to lower insurance rates because such vehicles have a lower chance of getting involved in accidents. Also, large cars are considered safer compared to small cars since they generally have a higher safety rating. However, vehicles with massive engines – such as V8 engines – relative to their body size tend to have higher rates than those with smaller engines. The age of your car also has an impact on the affordability of your insurance. This is because the cost of repairing an old car is often higher than the value of the entire vehicle. 2. Demographic reasons Young men tend to incur higher insurance rates compared to young women, while married people and older men usually incur lower rates than single people and older women. This means getting married can make your insurance rates more affordable. Moreover, where you live also affects your insurance rates. Highly populated neighborhoods with a lot of cars mean you are more likely to be at risk of theft, accidents, and collision; thus the rates will be higher. Also, your credit score, as well as...
Feb 15, 2019 | Insurance
As auto insurance specialists, EZ Insurance of Austin Texas understands that sometimes accidents take place. The last thing you might expect to happen while shopping for groceries is to end up in a minor accident in the parking lot – but this is a daily occurrence for many Americans, and knowing how to correctly deal with the situation can make a huge difference. Check for injuries The first thing you should do after a minor accident is to ensure nobody has been injured. While serious injuries in minor “fender bender” collisions are thankfully rare, it’s important to double-check. Assess the damage Once you and the other party have checked that all passengers are fine, take a look for any damage caused to either vehicle. Even if no damage or only superficial damage has occurred, you should be aware that you must not leave the scene of the accident. It’s against the law, and it’s not worth facing a court fine or potential jail time over a small crash. Remember to stay calm Even after a minor collision, it’s natural to jump out of your car in a panic. You might even feel like berating the other party. Try to remain calm and remember that losing your temper won’t do either of you any good. Becoming aggressive could also affect the chances of settling a claim when you involve your auto insurance company. Yes, these sorts of minor accidents can be frustrating – but instead of getting angry, keep a cool head and call the local law enforcement. Allow the police to attend the scene and sort out the logistics,...
Jan 30, 2019 | Insurance
You’ve probably used your car for ages, and the burden of insuring it is becoming bigger with time. While the definition of an old car is relative, it’s important to stop wasting money on a vehicle that keeps breaking down every now and then. Paying for an expensive insurance policy for an old car does not provide the right value for money. There are a few facts you need to know before insuring your old car. The value of your car should be an indicator of the type of insurance to take While most people attach great sentimental value to their old vehicles, holding onto a car that is always in the garage is not worth it. For instance, if the car cannot cover at least 1000 miles before breaking down, then there is no need of having it. It wouldn’t make sense to pay for a comprehensive policy for a car whose total value is not reasonable. A comprehensive insurance policy is not mandatory It is not a requirement in Austin Texas for a car to have a comprehensive policy. You can opt for a third-party insurance policy if you feel that the value of your car is too low, and if your car is the kind that experiences mechanical problems too often, you don’t have to pay for a comprehensive policy. Classic cars should not be mistaken for old cars Some of the most expensive and valuable vehicles today are the classic cars. Classic vehicles can be defined as older, but collectable, cars that are rare to find. If you own one of these, you need a...
Jan 25, 2019 | Insurance
Paying for an insurance cover might seem to be a walk in the park, but the frustration comes when the bills start flowing. Most people subscribe to auto policies without reviewing the terms and conditions. This could prove costly in the long run when the bills become unbearable. If you’ve already suffered the exaggerated cost of auto insurance, here is what you need to consider the next time you want to renew your insurance. Select an insurance policy according to the condition of your car You’ve probably been paying for a comprehensive policy for a car that is not worth it. For instance, if the value of your car is too low, there is no point paying for a comprehensive policy. A third-party policy would work well if you are using the car to run some few errands. Review your voluntary deduction or excess Insurance providers offer the option of setting a higher or lower deductible/excess. The higher you set your voluntary deduction the more likely you are to get cheaper premiums. However, do not set an amount that you cannot afford. Compare insurance quotes So much can change in a year, and this involves new insurance providers joining the market. A wide variety of insurance providers provides a good opportunity for policyholders to get cheaper auto insurance. Before you renew your insurance, compare insurance quotes from various companies. You might discover a more affordable and competent service provider. Discount eligibility Insurance providers provide numerous discounts ranging from mileage discounts, driving record discounts and credit score discounts among others. It’s good to speak to your insurer before renewing your...
Jan 14, 2019 | Insurance
Getting your car on the road doesn’t have to be extremely expensive if you live in Austin, Texas. You can get cheap auto insurance online from a local direct agency such as EZ Insurance of Austin, Texas. Before you invest in auto insurance you should know a few things about what the law requires in the state of Texas. Requirements for Auto Insurance in Texas The state of Texas requires that all drivers must establish financial responsibility for their vehicles. Everyone needs to take out affordable liability insurance so they have financial responsibility in the event an accident occurs when operating a motor vehicle. Texas state law requires that coverage of $25,000 property, $30,000 personal injury for the driver and $60,000 worth of personal injury insurance for all persons involved in any potential accident involving the insured vehicle is in place at all times. This obligation is easily met by purchasing a simple auto liability policy. TexasSure is an insurance verification program that is used in the state of Texas by law enforcement officers. It gives officials real-time, instant access to insurance information, so you need insurance to avoid serious legal issues. Where to Get Cheap Auto Insurance Affordable car auto insurance through EZ Insurance of Austin, Texas is extremely easy to obtain. You can get up to a 35% discount on insurance policies through over 30 competitive insurance companies, or you can use our in-house companies as well with their instant online application. You can get an instant online quote by visiting our website at https://ezinsuranceagency.com/ or by calling their phone number at (512)444-4445. If you are purchasing...
Jan 7, 2019 | Insurance
When you’re on the hunt for cheap auto insurance, you want to make sure that you’re looking at the right time to get the absolute best deals. When shopping for auto insurance online, there are some times when you’ll be more likely to find good deals than others. Here are some tips to help you shop for your car insurance at the best time. There’s no one best time for everyone A myth about shopping for insurance is that there’s one time of year that’s best for buying insurance, regardless of who you are or what type of policy you are looking for. There are many factors that go into your policy price, so don’t buy into this falsehood when doing your shopping. The best times to shop for car insurance will have more to do with your existing policy. Shopping right before your renewal date is usually best However, there is one time of year that’s best to shop for insurance – right before your policy is set to renew. At this point, you’ll have your renewal rates from your current insurance company, so you can use those to compare to other rates on the market. Switching to a new carrier at this point can sometimes even get you a discount, because many companies offer advanced quote discounts to reward customers who are responsible and shop ahead. It also means that you can switch insurance companies without any extra fees if you need to. You should get insured right away If you don’t have car insurance at all and you’re driving, you shouldn’t waste time waiting around to...
Dec 31, 2018 | Insurance
Buying your first car can be very exciting – it means freedom of movement and independence in your city. However, it also means you need to buy auto insurance, and this can be very daunting at first for many people. It’s important to take your time when searching for an auto insurance provider to make sure you find the best option for your needs. Here are four top tips to keep in mind when buying auto insurance for the first time. 1. State requirements are important Each state has different requirements for car insurance, so good coverage in one state may not be sufficient in another. Many first-time buyers don’t think about this and then get into trouble later on if they move or travel frequently for work. A good solution to this is to work with a local auto insurance agency, because they’ll make sure your policy keeps you covered in your city and state. 2. Make sure you know exactly what you’re signing Many young people don’t read all the way through their insurance policies, preferring to get all the paperwork done as quickly as possible. While this may not seem like a big deal, it can cause problems down the line if you don’t really understand what you’re paying for. Ask your insurance agent to explain everything to you in plain English, and don’t be scared to ask questions. 3. Don’t be scared by high rates Most young people start off with high insurance rates because they are considered much more risky for insurance companies to take on. This can be daunting, but chances are, your...
Dec 23, 2018 | Insurance
When it comes to finding cheap auto insurance, you have a huge range of choices. Deciding which company and policy is best for you can be very overwhelming, particularly if you don’t know much about insurance. Although there are many national companies offering auto insurance, it’s sometimes more effective to opt for a local company instead. Here’s why you should give your local insurance provider a try. They are familiar with unique state and local requirements Every state has its own regulations when it comes to car insurance, and if you go with a national provider, you may be expected to know them instead of getting guidance when shopping. A local insurance provider is an expert in state policy requirements, so they will make sure you get an appropriate policy for your location. They can provide better customer service Smaller local insurance agencies have fewer clients, which means they can give each customer a more personalized experience. They can work with you to address any challenges you may have while insurance shopping, and they can also help you pick the best policy for your budget. Working with a smaller agency means the staff can spend more time making sure you’re happy with your policy. Local insurance agents can save you money Many national auto insurance websites tout their affordable policies, but you won’t always get the cheapest price by going to them. Local insurance agents know how to get the best price for you given factors like your vehicle, your driving history, your financial history, and more. This approach can actually save you money in the long run, because...
