Archive for August 2017

How to Compare Car Insurance Quotes

Comparing auto insurance quotes is about more than just looking at two numbers and choosing the lower one. You must also think about how the policy protects you, how it differs from the others you are considering and whether or not you trust the insurer to be financially stable enough to back the promises made in the policy. Here are 5 important points to evaluate when comparing car insurance quotes.

  • Insurer rating: The A. M. Best rating of your insurer is an indication of just how financially stable that insurer is. This is an important factor to evaluate since it directly speaks to whether or not you can trust your insurer to pay claims if, or when, you need them to. The better (or higher) the rating, the more financially stable the company is.
  • Limits: Lower limits can translate into lower insurance premiums, so when comparing auto insurance rates make sure that you are comparing limits between policies. If not, you might follow the lure of the premium while setting yourself up for disappointment when a claim actually needs to be paid.
  • Deductibles: The deductible is the portion of risk you take on after an accident or insurable event. Very high car insurance deductibles are especially troubling because they must be paid for each incident rather than on an annual basis. When comparing auto insurance quotes, make sure you have the same deductibles across the board and that they are deductibles you can afford.
  • Real protection: Many of the different coverages in a car insurance policy are optional—but optional doesn’t mean unimportant. If you compare two auto insurance quotes and one of them reflects more protection than the other, you must consider the additional financial protection and how it could preserve your savings.
  • Convenience: Consider whether the companies whose quotes you are comparing have the important service features that mean so much to you. Do they allow Internet access to your policy? Can you print proof of coverage at home? What about customer service access? Can you do an automatic bank draft for the payment?

If you aren’t sure what to measure when evaluating car insurance quotes, give us a call at 305-270-2100. Together we can look past the premium dollar amount to the actual value of one policy over another so that you know you are getting the best fit for you.

Safe Driving Apps for Your Teen Driver

Having a teen driver is not a relaxing experience. As you watch your teen bound out the door each day, car keys in hand, a million fears run through your mind. And while you can’t protect your teen from every driving risk they face once they walk out that door, you can take advantage of some phone apps that help enhance teen safety while they drive.

Text Disablers Texting
is one of the most dangerous activites that can be done behind the wheel, but fortunately there are many apps out there than can disable your teen’s ability to read or send texts while they are in a moving car.  These include Key2SafeDriving and TextArrest.  Other apps, like Drivesafe.ly, read texts aloud and allow your teen to respond verbally or let the phone send an auto-response.  Think of it as hands free responding.

Phone Inhibitors
Sometimes answering a cell phone, calling out on a cell phone or even just talking on a cell phone can be enough to distract your teen from practicing safe driving methods.  The apps ZoomSafer and Key2SafeDriving can lock and restrict your teen’s access to their phone’s call feature while they are driving.

Ride Shotgun—Through an App
You can’t be in the car with your teen driver every time they leave the house… or can you?  With the Safe Driver app, you can get a text message every time your teen surpasses the speed limit in any given area.  While this certainly helps you keep an eye on your teen, it might also be just the push they need to remain alert about staying within the speed limit and avoiding accidents when they drive.

Learning Road Safety With Apps
Some apps can actually help educate your teen on how to drive safely and react appropriately to different situations.  The Dangers of Distracted Driving app shows teens how easy it is to get into an accident after being distracted.  The Steer Clear Mobile app gives kids an interactive lesson in safe driving practices that they can apply when they drive. There are many new apps coming out every day and some can help your teen be a safer, more accountable driver.  Just be sure that as you choose cell phone apps that you don’t end up selecting something that actually helps to distract your teen even more than they might normally be.  After all, the purpose of the apps should be to serve and protect.

For any questions you may have, give us a call at 305-270-2100.