A Battle Creek commercial auto insurance policy may be pricey for a company to maintain, but it is also essential for any business that has company-owned vehicles. Commercial auto insurance policies are usually put in place by a company to help protect themselves from financial liability should one of the company’s vehicles or employees be involved in an accident when using the business-owned vehicles. Despite the high cost of a commercial auto insurance policy, there are many ways to help...

Most insurance companies are pretty good at covering your automobile; however, insurance companies excel at separating you from your money. Television airwaves are filled with Battle Creek auto insurance offers providing “Better Car Replacement” and new car replacement. It’s important for consumers to know, that purchasing these policies, significantly add to insurance costs. Better Car Insurance Only one insurance company is currently offering “Better Car Replacement&r...

Whether a vehicle is for business or personal use, specific needs for Battle Creek auto insurance will change based on how much the vehicle is driven. Businesses that are limiting the use of a company vehicle, or drivers who are parking a household vehicle in the garage, can take advantage of some easy insurance changes to lower the cost of keeping a less active car or truck insured. One of the first things that drivers should think about with garaged or retired vehicles is the possibility of c...

Is it possible to pay too little for Battle Creek auto insurance? Though getting cheap auto insurance is often a very good thing, it is possible to choose a policy that doesnt provide enough for your needs. The last thing most vehicle owners want to do is to have a policy, they pay into, that cant cover their needs in a claim situation.  Are you paying too much or too little for car insurance? The Average Cost of Auto Insurance According to the National Association of Insurance Commissio...

If you drive, you probably own a car, which means you are required by law in most places to carry auto insurance to prove financial responsibility. You likely are aware of the factors used to calculate your insurance rate: the type of car you drive, your driving record, how often you drive, your age, how long youve been driving and where you live. But did you know that in many places the type of job you do is also one of the criteria used to determine your auto insurance rate? Many people f...

If you dont own a vehicle, and you dont drive vehicles owned by other people, you wont need an Battle Creek auto insurance policy. However, you should protect yourself if you are ever likely to drive someone elses car.  If you ever drive the car of a friend or family member, youre going to need to be insured before you set off out on the road. In such situations you may be insured under the policy of the owner. However, this insurance is likely to provide only minimal liability coverage. I...

Have you ever dreamed of packing your worldly possessions into the car and embarking on a road trip across the great landmass that is the USA? Clark Griswold and his family took to the road in the hit movie "National Lampoons Vacation," and although you may be in search of a less eventful vacation, you can still look forward to an exciting journey of discovery through the land of the free. If youre concerned about your auto insurance coverage in different states, there are a few things you shoul...

Driving in the winter is no simple task when the roads ice over, particularly for drivers who are not used to such conditions. The following is a list of tips and tricks to keep your car drivable throughout the cold winter months: ·         Warm your car: Installing a remote car starter helps your morning go a bit faster. Pre-warming your car makes it easier to scrape off ice and makes the interior more comfortable for your commute. Some of these d...

There are four important features that come with a car insurance policy that you will want to be aware of. These features are bodily injury coverage, property damage coverage, comprehensive coverage and collision coverage. Bodily injury and property damage coverage, commonly referred to as liability coverage, are required in most states. Comprehensive and collision coverage can be added to your auto policy if you choose. In some cases comprehensive and collision coverage are required ...

For most consumers, saving money on car insurance is a top priority. But how do you know which steps to take to ensure that you’re getting the lowest rates? Here are five ways to save money on your auto insurance. #1: Speak with Your Independent Insurance Agent Every Few Months The easiest way to save money on auto insurance is to speak with your independent insurance agent every few months—such as at a bi-annual or annual renewal. He or she will be able to review your policy to ma...

If youre going to operate a car, most states require that you have car insurance. In some, the state will even tell you what type and how much insurance you should have. There are two main types of car insurance: liability and comprehensive. In states where you have a choice about whether youre going to have comprehensive insurance or not, its important to understand what each type covers so you can make an informed decision. What Liability Insurance Covers Liability insurance covers damage yo...

When you purchase car insurance, understanding what is included in your policy is very important. Having the right information can help you determine whether or not you have enough coverage to protect you in the event of an accident. The amount of coverage required by law is the bare minimum, and may not include those other protections that go beyond personal injury protection. Here are a few additional protections you may want to ask your agent about. Comprehensive and collision: This pr...

As you get ready to purchase your next car, you may be focused on makes, models, features and monthly loan payments. Yet, you also need to factor in the cost of auto insurance on the new vehicle. Depending on the age and type of vehicle you are purchasing, your car insurance payment may be significantly different than what you are currently paying. For those who want to keep insurance costs low, its important to buy affordably. Should I Loan, Lease or Buy Outright? For those who are considerin...

What is medical payment coverage, and can it help you if youve been hit by a vehicle or if youve hit a person who was walking? Medical payment coverage is a type of auto insurance policy. This type of insurance pays for medical costs after a person is hurt in a car accident. It pays out, generally, no matter who is found to be at fault of the accident. So how can it help you after a bike accident? If you have medical payment coverage and you hit a person who is walking or even bike riding, you ...

We’ve all seen surveillance videos where someone has driven their car into a building. On video, these crashes may seem like shocking, rare occurrences. However, the fact is that automobiles collide with buildings every day. These collisions can range from minor bumps to massive damage to your car and the building. Quite bluntly, buildings are not the causes of collisions in almost every case. Generally, if a driver collides with a building, then the driver is at fault. The collisio...

Investing in auto insurance provides a variety of benefits to owners. If you own a car, you have many types of policies available to you. You can choose from plans that offer minimal coverage to keep costs down. However, most drivers benefit from extended coverage. This includes comprehensive auto insurance. In some cases, these policies protect your belongings in your car, too. Here is an example. Someone breaks into your vehicle. You did what you could by locking it. Nevertheless, they opene...

Stand back and look at your vehicle. Do you have a number of dents and scratches on it? That is not uncommon, but repairing them can be costly in some cases.  In some situations, auto insurance can cover the damage repair. In other situations, it will not. The type of insurance you have plays a role in this decision. The type of incident that causes them also matters. Here’s what you need to know. Were You in an Accident? If the vehicle has scratches on it, but they are not from a ...

How often do you get behind the wheel of a car? If you have someone living in your home that drives your vehicle, this person may need to be on your policy. Your insurer needs to include current information about anyone who operates your car.  But, sometimes, you may also need to let the car insurance agent know about other drivers. These are people who are occasionally behind the wheel. Nevertheless, they pose risks to your car all the same. What Is an Occasional Driver? Most auto insur...

For student drivers just learning how to navigate their vehicle, the risks are high. It is important to have auto insurance for your child as soon as he or she is behind the wheel. This is the best way to safeguard your child should an accident occur. When you add them depends on several things. Most importantly, be sure any vehicle your child drives has ample coverage. Lets investigate this topic a little more closely. Insurance Follows the Car Your son or daughter will need auto insurance. I...

Many people purchase used cars. It provides a variety of advantages including cost effectiveness. Yet, getting the right auto insurance for this type of vehicle is important. Your car insurance agent can guide you through the process. However, there are a few key things to know before you choose just any policy. Insure for the Value Select an auto insurance policy that represents the value of the car right now. Used cars do not depreciate as quickly as brand new cars. However, be sure your cov...

Medical payment coverage is one component of a commercial auto insurance policy. You and your drivers should understand what it covers. This feature provides coverage for incidents in which passengers suffer an injury while in your vehicles. Without it, your company may have to pay for these losses out of pocket. That can be very expensive. Here is what you need to know about it. What Does Medical Payment Coverage Include? Medical payment coverage is a valuable asset. Imagine a situation in wh...

Buying auto insurance for your electric vehicle can be a bit different than buying it for a standard car. Some people think electric car insurance is more expensive. It does not have to be. What is important to remember is that this type of insurance needs to be ideal for the type of vehicle you own. Many factors play a role in the costs. Here’s what you need to know before you buy an electric car. Does an Electric Car Cost More? Purchasing an electric car costs more than purchasing a tr...

Gap insurance is a type of auto insurance. It provides coverage to you if you have damage to your vehicle in a covered incident that leads to significant loss due to the loan of the car. Making the decision to buy it can seem hard to do. Should you invest in gap coverage? Is it really worth the money? Here’s why it may be vitally important. A Typical Situation According to some reports, the average value of a new vehicle is about $34,000. That’s an incredibly large amount of money...

If you drive for a company like DoorDash, you generally do not need to carry your own commercial auto insurance. But, you should get in touch with your insurance provider in order to work out the details. Some insurers may provide additional coverages for delivery drivers, while others may need to reconsider your rates given how much time you are spending on the road. In any event, letting your insurer know up front will help to ensure that you are, in fact, covered, should someth...

In most states, it is perfectly legal (and common) for insurers to consider your age and gender while calculating your car insurance premiums. This is done for a variety of reasons, but is primarily done to help evaluate your risk as an insured driver. Risk refers to how likely you are to get in a wreck or file a car insurance claim. Since insurers don’t want you to file claims, especially not frequent claims, they may charge you more based on your risk level to compensate for potential lo...

You left the windows open on your vehicle and now there’s significant damage to the seats. Perhaps the window was broken as a result of an accident and now you have seats that are in bad condition. What should you do? Are you covered under your auto insurance plan? The answer to that is, sometimes. In some situations, you may be able to recoup some of the cost to making repairs.  When Does Car Insurance Cover Your Losses?  Car insurance plans may help you to overcome the loss...

Business owners who allow their employees to drive as part of their assigned duties assume a degree of liability for the employees’ actions behind the wheel. Therefore, they need commercial auto insurance. Still, if an employee uses their personal car for work, then that does not mean that your liabilities go away. The employee still drives under the business’s authority at these times. So, if you are trying to insure this employee, then you will likely need to ensure your policy con...

If you are just getting married, now may be a good time to make some changes to your auto insurance policy. Those who are recently married may be able to save money by selecting a new car insurance plan together.   We know you have many other things on your mind right now. However, changing your auto insurance may be one of the best steps you take if it means lower premium rates.  Take Advantage of a Multi-Car Discount  Now that you have married, you may be able to get...

Distractions are a common cause of accidents with teen drivers. These drivers are still learning to drive. They likely are still building up confidence behind the wheel and developing good skills. Yet, they have many types of technology at their fingertips. These may include phones, radios and GPS systems.   While auto insurance may support accident claims, it is best to work to reduce these risks from the start. Consider these tips for reducing teen driver accidents.  Teach...

Getting a flat tire while driving can be an extremely frustrating and inconvenient experience—forcing you to either go through the hassle of installing a spare tire on your own or calling and waiting for roadside assistance. That’s where run-flat tires can help. These tires are able to support the weight of a vehicle even after deflation occurs—allowing you to continue driving for a limited distance until you find an auto repair shop that can properly inflate or fix your tire(s...

Running a business involves dealing with necessary expenses to keep the door open. Among your business expenses might be insurance costs. Expenses also might include the costs to maintain company vehicles and drivers.  If you operate vehicles for commercial purposes, you might need commercial auto insurance. These policies can be costly. Nevertheless, there are ways that you can keep your commercial auto insurance affordable.  A Brief Overview of Commercial Auto Insurance  ...

Some auto insurance companies offer nice features with their policy that could provide some financial protection to new car owners. A new car replacement guarantee is one of those. If your insurer offers it, it means the company is likely to replace your car if totaled during the first year. That sounds fair and like something all insurers may do. However, that is not the case. In fact, you may find yourself without any protection in some situations.  Consider the Value of Your New Car&n...

Choosing the car insurance that is best for you means considering how much it will cost you to maintain your policy. Often, you might feel tempted to choose the cheapest policy available to you, but is this really the right choice in the end?  The auto insurance policies with the lowest costs are often those that only offer minimum amounts of coverage. While they might cost you less in the short term, you might find that you will be without critical benefits when you need to file a claim...

Collision and comprehensive coverages provide financial safety nets in the event that your vehicle is physically damaged and needs to be repaired or replaced. Although these coverages are generally not required by state laws, they can reduce your financial hardship during a loss.   Also, if you are financing a loan for a car, your lender will most likely require both collision and comprehensive coverage as part of your car insurance policy. Read on to learn more about the basics of ...

A hands-free device may be one of the most valuable investments you make into your car. It may not seem like it. It may actually be very affordable to purchase. However, it can reduce the risk of accidents and car insurance claims. It may even save a life. If you have not thought about it, consider the value of investing in this one key component. Here’s why. Knowing the Risks on the Road When it comes to driving, the most important step you can take to minimize risks and avoid...

Drivers want low auto insurance rates. No one wants to overpay for them. Yet, rates vary significantly from one driver to the next. They also vary by location. If you paid one rate in New York, you may pay less if you lived in Vermont. Rates can even vary from town to town, from neighborhood to neighborhood. A variety of factors cause this difference. That is why it is best for each individual to request a quote to learn what their rate is. What Are the Risks in That Area? Risk defines car in...

Throughout the United States each winter, people go out for a quick errand or attempt to drive home from work and end up stranded inside their cars for hours or even overnight due to unexpected road conditions. Here are some tips to survive an extended period stuck in your car in the winter. Prepare in Advance Certain items should be kept in your car at all times during the winter months. People often make the mistake of assuming they will only need these items if they are planning a big tri...

When you call your car insurer, you might want as much coverage as possible. Therefore, you might ask them for comprehensive car insurance. However, be careful; comprehensive coverage means a very different thing to most insurers than it might to you. Comprehensive coverage, along with its counterpart, collision coverage, is part of a greater portion of your policy called physical damage insurance. It’s certainly important to have physical damage coverage on your policy, and here’s w...