Tag: car insurance

Don’t Forget to Update Insurance Policies When Moving

Posted on by butlervetinsurance

Anyone that has ever moved can attest that the process has a considerable impact on everything from transportation to and from work to how and where free time is spent. When considering a move, one change that’s often overlooked is insurance coverage. Often a move will affect whether or not various insurance coverage policies are still adequate.

Homeowners insurance is usually a concern when moving. For the average person, a home will be one of the largest investments they make in their lifetime. What was adequate for previous housing might not apply to the new home. The homeowner will need to assess the differences in their new home versus their previous location carefully to determine if a new policy or transferring previous coverage is best; for example, the new home might be in a flood area or other high-risk area or contain more property to cover. It’s always prudent to research the rates and coverage from several insurance companies.

Auto insurance is also usually impacted in moves further away or closer to employment. A move closer to employment or to a suburb might translate to a lesser risk. Safer driving conditions could mean lower rates. Conversely, a further distance equals a greater amount of driving time. And, this is an equation that insurers view as the driver being a greater risk. A drive that now involves a more congested roadway may also translate to a greater risk. In any event, when an insurer views a driver as a greater risk, higher rates soon follow. In the event that rates are increased from a move, there are a few steps that can help return the premiums to the previous level or at least lower them. The driver might consider increasing the deductible, buying multiple policies through the same insurer for a discount, or installing anti-theft hardware on the vehicle to lower the overall cost of the insurance.

After you have taken care of your Homeowners insurance and Vehicle insurance policies, the next insurance that should be examined is Life insurance coverage. How moving affects Life insurance coverage might not be so obvious as Homeowners and Vehicle insurance. Those that are upgrading their home or purchasing a home with a much higher price tag will most likely no longer have adequate Life insurance. The coverage ideally should be adjusted to account for the increased monetary commitment of a higher mortgage and household expenses. Yes, this is an added cost, but necessary to prevent leaving loved ones unable to maintain the home.

If you have any questions, comment or concerns regarding your insurance coverage, contact one of our licensed Protection Coaches today at 951-600-5751 or 877-994-6787 for the right answers to your questions.

Visit www.SIAonline.com 24/7 for all the latest updates!

Paying Too Much For Your Auto Insurance?

Posted on by butlervetinsurance

To paraphrase President Barack Obama, if you are still feeling the effects of the economic recession, then the recession is not over for you. And chances are good that you might be among those who are still trying to pinch every penny and save money wherever and whenever they can. But have you thought about saving on your car insurance? Car insurance premiums represent a significant chunk of your income each year, so it only makes sense that you should make sure that you are not paying too much for necessary coverage. If you are not getting some of these car insurance discounts, then you are likely paying more than you should:

Safe driver who obeys traffic laws? The No. 1 determining factor when your car insurance premiums are being calculated is your driving history and the driving history of other drivers on your policy. In fact, many insurers appreciate a good driver so much that they are willing to knock 10% off the cost of your insurance for having a clean driving record. Now that’s significant!

Are you an older driver? Drivers older than 50 are often eligible for many discounts on their car insurance. More and more companies are rewarding older drivers for their experience behind the wheel.

Have you taken a defensive driving course? Defensive driving courses can help you to become a better, safer driver, and your car insurance company knows this. If you can provide proof of taking a qualified defensive driving course, you can score additional savings.

Is your teen driver on the honor roll at her school? Students who make good grades might be eligible for a discount, as can those students who take a driver’s education course. It pays to be smart!

Is your car equipped with special features? Airbags, daytime running lights, anti-lock brakes and anti-theft devices are just some of the equipment that might qualify you for savings.

Compare Auto Insurance Rates and Save Even More

Other than qualifying for discounts on your car insurance, you can also reduce the cost of your car insurance by combining your policies with the same company and comparing rates with top companies. The quickest and most efficient way to compare rates is to contact one of our Protection Coaches. Many drivers find that they are able to save 30% or more off the cost of car insurance if it’s been a while since their last review.

Call TODAY and see how much you can SAVE! Here are 4 Easy Ways to Reach Us:

  1. Call 951-600-5751 or 877-99-INSURE
  2. Fax 951-677-6265
  3. Email – [email protected]
  4. Visit www.SIAonline.com – 24/7

The Car Insurance Doctor Tips: Special Equipment & Non-Factory Items on Your Vehicle…

Posted on by butlervetinsurance

Is everything in/on your vehicle covered by your auto insurance policy… your custom tires and rims, your GPS???

The Car Insurance Doctor brings you helpful information about what items are covered and what items are NOT covered by your auto insurance policy.

>>>>>>>>> http://www.youtube.com/watch?v=ckjkqNoygnc (Video Link)

If you have any questions or are unsure about your insurance coverage, call the doctor and our staff today for the right answers to your questions.

Here are 4 Easy Ways To Reach Us:

1. Call 877-994-6787 or 951-600-5751
2. Fax 951-677-6265 
3. Email – [email protected]  
4. Visit – agency.thebutlerweb.com

Save 15 – 20% or More by Combining Your Home & Auto Insurance!

Posted on by butlervetinsurance

The Car Insurance Doctor™ hits the streets…

ATTENTION: All Murrieta – Temecula Valley drivers – Did you know you can SAVE 15-20% or more on your insurance premium by combining all of your insurance policies with Stromsoe Insurance Agency!

Call The Doctor and his Staff Today – You Won’t Be Disappointed You Did!

Here are 4 Easy Ways to Reach Us:
1. CALL 877-994-6787 or 951-600-5751
2. Fax 951-677-6265
3. Email – [email protected]
4. Visit Our Website – www.SIAonline.com

How Do I Find Affordable Car Insurance For My Teen Driver?

Posted on by butlervetinsurance

If your teen is getting ready to put their hands to the wheel, it’s time to think seriously about auto insurance options – a dreadful thought for many parents, but with a little research and careful planning you might be able to obtain affordable Auto insurance for your teen. Let’s explore some ways to lessen the cost of your teen’s Auto insurance.

Proper Driver Training

Many teens opt for driver’s education in high school, and this is a wonderful way to decrease your teen’s Auto insurance rates right from the beginning. Many Auto insurance companies offer discounts to those who have completed a driver’s education course successfully. Not to mention driver’s education provides proper on-the-road training for your teen. The instructor can teach all the written and “unspoken” rules of the road while also showing proper driving techniques, including defensive driving. Knowing how to drive properly helps decrease the chances of careless driving, thus making your teen a much safer driver.

Law versus Fun

Emphasize to your teen that although driving is fun, it’s also a serious responsibility. Make sure they understand how the law works and the stiff penalties for speeding, racing, careless driving, drunk driving, running stop signs or red lights, not wearing seatbelts, parking in undesignated areas, etc. Explain that even one traffic offense can eliminate their chances for affordable Auto insurance in years to come, and might even cause them to lose their driving privileges for a while.

Does Your Teen Make the Grade?

Some insurers offer discounts to students who keep their grades up. This is somewhat of a reward for you as a parent and for your teen if they get good grades or maintain a high GPA (grade point average). Your Auto insurance company might offer this discount because insurers feel that a teen who demonstrates responsibility and carefulness in school is more likely to do the same while behind the wheel of an automobile. This can be used as an incentive for your teen as well. You might even offer a bonus allowance to your teen for keeping their grades up, using the money you’ll save with cheaper Auto insurance!

Choose Cars Wisely

Teens and sports cars – these words shouldn’t be used in the same sentence if you’re shopping for Auto insurance. Insurance companies frown upon teens buying or driving sports cars, even if the teen is a safe driver. Sports cars in general tend to carry higher insurance rates for drivers of all ages, but teens are especially vulnerable to temptation when it comes to showing off their new car and testing how fast it will go. Opt for a sedan or family-style car with all the safety features possible. The good thing about safety features is your insurance company might offer discounts for certain safety features such as anti-lock brakes, air bags, added frame support, and others.

Opt for an Add-On to Your Policy

When your teen first starts driving, consider adding them to your current insurance policy for a while. You can do this as long as you remain the primary driver of your vehicle. It is also recommneded that your youthful operator be added to your policy until age 18 since parents are likely responsible until the youth reaches 18 anyway. Also you will enjoy the lower rates based on the discounts earned under your current policy and age. If they only have a learner’s permit, check with your insurance agent FIRST to find out if they should be added to the policy as a driver. Most (not all) will cover teen drivers automatically under your policy while driving with a permit.

 Ask Us About ALL of the Discounts

Cosult with one of our experienced insurance professionals. We can assist you in achieving the delicate balance between price and protection.

Having a teen driver creates awareness about road safety and Auto insurance like nothing else. Use these tips to guide you as you shop for Auto insurance that will provide the most coverage for your money. Call our office today 877-994-6787 or 951-600-5751 for more information on your teen driver’s insurance protection, afree copy of our special report “101 Tips on Teen Driver Safety” and a complimentary copy of our teen driver contract.