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Celebrate Car Insurance Day by Connecting With Us!



Car Insurance Day is celebrated every year on February 1st, and we are excited! You might be asking yourself why anyone would be eager to recognize a lusterless topic like car insurance. This day is a reminder for our clients to review their current policies, make sure documents are up to date, and question if they have proper coverage. It also means that we are hoping to connect with you, build a relationship, and answer your questions so we can better support you during a potential claim. So, shift your perspective about celebrating car insurance and consider it your opportunity to ensure your own financial protection in the case of an auto accident, fire, or theft. We have compiled four articles for you about snowbird travel, insuring new cars, coverage for "classic" cars, and car rental insurance. Happy reading and safe driving!

Snowbirds, Are Your Car Insurance Needs Covered?



Every winter, many people from cold northern climates pack up and temporarily move to warmer southern locales. The majority end up in Florida, but many others head to Arizona, Texas or other states.


If you are one of these lucky snowbirds, you may be wondering what you need to do about your auto insurance. And it’s a good question. Vehicle insurance laws vary by state, so it’s important to understand the laws that apply in your state of winter residence.

Keep in mind that some states require you to register your vehicle even if you're residing there for just part of the year. The auto coverage you need will depend on the answers to a few questions.

  • Are you driving your vehicle south?

  • Are you keeping your vehicle at home up north?

  • Do you keep a separate vehicle in each state?

If you’re taking your vehicle with you, you’ll need to make sure you meet registration and insurance requirements in both states. If you have a vehicle you keep at your secondary home year-round, you'll need to buy coverage for the state in which it’s located.

Full article at the link below. Insuring Your New Car? Consider These 6 Critical Tips



You’ve researched your car options for several weeks and have finally decided on the perfect make and model. The winner is a brand-new SUV with glowing safety ratings and excellent customer reviews. One day as you’re driving that new SUV to work, something terrible happens. The driver of a truck decides to quickly check a text message, takes his eyes off the road and slams into the back of your new vehicle.

You’re heartbroken and a little sore, but otherwise uninjured due to your seat belt and air bags. Your brand-new SUV, however, didn’t do as well. The insurance company determines that it’s a total loss. Most new car owners hope this situation never happens, but when it does, having the right coverage in place is key. Determining what type of coverage is best isn’t always easy, however. Check out these six helpful tips to help you decide.

Full article at the link below. Insuring and Storing Your Classic Car



Classic vehicles span many categories, including collectibles, customs, hotrods, muscle cars, and even vintage military vehicles and antique tractors. No matter what you call them, these unique vehicles hold a special place in our hearts. They also require specialized insurance coverage.

Whether you already own a classic ride or are considering purchasing one, keep the following information in mind so you can protect your vehicle and enjoy it for years to come. What is a classic car?

For the sake of this article, we’re going to use “classic car” as an umbrella term to refer to a variety of vehicle classifications. We’re going to keep things simple because insurance companies (and automobile associations) defi ne classic cars, antique cars, modified vehicles, replicas, and rare vehicles differently based on age, use and whether or not the vehicle has been modified or restored from its original condition. When we refer to a classic, we’re referring to a vehicle 25 years or older that has historical interest and appreciates over time.

Full article at the link below. When You Rent a Car, Should You Buy Their Insurance?



Whenever you're filling out paperwork for a rental car, you get the inevitable questions about additional insurance coverage. Is it a smart investment or a waste of money? As with so many other insurance-related questions, the correct answer all comes down to your budget and risk tolerance. The following three scenarios provide information to help you make the right decision the next time you rent a car.

Scenario 1: You did not purchase coverage from the rental car company, and you had an accident. What happens now? If you decline the insurance offered by the rental car company and then get into an accident, you’ll have to look to your personal auto policy for help. Not all auto policies are created equal. Also, your policy’s response to an accident in a rental car may vary based on state law. You should always consult your insurance professional for specific coverage information, but here are some general guidelines.

Liability Coverage If you hurt people, damaged other people’s cars or personal property or totaled the rental car, you a reliable for the costs of repair, replacement and/or medical care – and potentially lost wages and lost revenue from the rental vehicle. The good news is the liability section of many personal auto policies covers expenses resulting from bodily injury and/or damage to the property of others. However, that section is often subject to limitations and likely will not cover damage to the rental car or loss-of-use costs for the rental car company. Regarding liability coverage, consider the following. Full article at the link below.


Article File: Snowbirds, Are Your Car Insurance Needs Covered_.pdf Insuring Your New Car_ Consider These 6 Critical Tips.pdf Insuring and Storing Your Classic Car.pdf When You Rent a Car, Should You Buy Their Insurance_.pdf

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