Shedding Light On Car Insurance Savings
It can be easier than you think to put the brakes on high auto insurance rates – as an independent agency, F&W Professional Insurance Brokerage Inc. can help! We can review your policy and possibly help you find a variety of illuminating ways to save money. Here are some things you may want to consider:
• Ask us to check several companies’ rates. This is the single most important thing you can do to get the best possible rate—and we can do it for you quickly and easily. The difference between the highest and lowest rate available to you from different companies could vary by hundreds of dollars.
• Reduce or drop physical damage coverage on an older car. Depending on your car’s age and where you live, comprehensive and collision coverage may not be worth keeping. We can give you advice on whether it makes sense to reduce or drop this coverage altogether.
• Raise your deductible. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your collision and comprehensive cost by 15 to 30 percent. In addition, because the average driver files a collision claim only once every ten years, odds are that over the lifetime of your car, a higher deductible will save you money. We can show you how raising your deductible will lower your premium.
• Look for discounts. Many insurance companies reduce premiums for certain driver traits or car features. For example: being a homeowner for more than three years, nonsmoker, nondrinker, students with good grades, senior citizens who have taken an approved defensive driving course, people who only drive for pleasure, cars kept in garages, antilock brakes, antitheft devices, air bags, etc. Ask us to check.
• Don’t assume having your car and home insured by the same company is the best option. Because auto insurance rates vary so much from company to company, it may make sense for you to have your car and home insured by separate companies. Let’s talk about it.
To learn more about all an independent agency can offer you, call F&W Professional Insurance Brokerage Inc.or visit progressiveagent.com.
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Insurance Matters
Tips To Ensure Your ATV Is Properly Covered
(NAPS)—When it comes to your all-terrain vehicle (ATV), it pays to keep your feet on the ground when it comes to insuring it. You may think it’s covered by your home-owners policy, but are you really protected? Your “toy” wasn’t cheap, and lacking the right type of insurance coverage could lead to a sticky financial situation.
“Owners should think of ATVs the same way they think of motor-cycles,” said Rick Stern, product manager, The Progressive Group of Insurance Companies. “You’d never consider getting on a motor-cycle without the proper insurance, and you shouldn’t ride an ATV without the right coverage either.”
If you’re not sure what to do about your ATV insurance needs, here are a few things to consider:
Your homeowners policy might not be enough. Most likely, your homeowners policy only covers your ATV if trouble occurs on your property. Anywhere else and you’ll be exposed. Look for an affordable ATV insurance policy that offers coverage no mat-ter where you are. Trail riders should be aware that many states require ATV insurance for vehicles operated on state-owned land.
What about theft? ATVs are portable and can be easy targets for thieves. You should consider ATV insurance that provides cover-age for things such as theft, fire and vandalism—just like the kind you can get for a motorcycle. Theft, fire and vandalism are covered by Comprehensive coverage, an optional physical damage coverage.
Consider uninsured and underinsured coverage. You never know what can happen in the great outdoors. This relatively inexpensive coverage protects you if another rider causes damage to you and he or she lacks adequate coverage.
Keep your rates low. You can do a number of things to save money on your ATV insurance, including maintaining a clean driving record, staying free of claims or choosing a less “sporty” ATV. In addition, most insurers offer a discount if you insure more than one vehicle on your policy, or have more than one policy with the company. This could mean additional savings on your car, motorcycle, boat or RV insurance.
For more information about ATV insurance or to find an independent agent, visit the Web site at progressiveagent.com.
Did You Know?
ATVs are fun to own, but most likely, your homeowners policy only covers your ATV if trouble occurs on your property. Anywhere else and you’ll be exposed. Look for a policy that offers coverage no matter where you are. For more information about ATV insurance or to find an independent agent, call F&W 718-522-1200
| Take your pets RVing (October 2008)
Do you travel with your dog or cat when RVing? Is your pet more than a companion? Is he or she a member of your family? You’re not alone. Most of the 8 million RVers, according to the Recreational Vehicle Industry Association, bring pets along on trips.
If this includes you, great news! Pet injury coverage from Progressive protects your furry four-legged friends in the event of an accident.
In the past, RV insurance policies cover the people ... but not the pets … inside RVs. Not any more. Progressive offers free pet injury coverage with collision and comprehensive coverage and pays up to $500 if your dog or cat is hurt or dies because of a crash, fire or flood.
“RVing is more fun when the entire family, including pets, is along for the ride,” said Cathy Pelfrey of Progressive. “This coverage gives pet owners something no other RV insurer offers – peace of mind from knowing that their dogs and cats are protected, too.”
Progressive was the first insurer to introduce pet injury protection to its car insurance customers.
For more information about Progressive RV Insurance, contact an independent agent or broker or visit progressiveagent.com.
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