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Two people in car smiling thorough window

August 16, 2019 By QC Freequote

Leasing a Car: Pros & Cons

“When you ask, “Should I lease a car?” you likely hear one of two words: “Do” or “Don’t.’

That makes it difficult to decipher the pros and cons of leasing a vehicle. The answer to the question, like many financial decisions, depends on a host of individual details including price, terms, driving record, insurance history and more.

Misinformation and even some long-held biases on the pros and cons of leasing add to the confusion. But leasing a car makes sense for many people.

Are you among them?

The best way to judge is to understand the pros and cons of leasing a car, how leasing a car works and what insider tips for leasing a car might help you get the best deal.

Here are some of the particulars you might consider:

What Is a Car Lease?

You’ll often hear car leasing likened to apartment leasing. There are plentiful similarities. When you lease a car or an apartment, you lease the property for a specific amount of time. You and the property owner have a mutual understanding that the assets will be returned in good condition.

Yet there are significant differences between leasing a car and leasing property or even other equipment. Many car lease agreements last two to three years and often allow you to purchase the car at the end of the term. Car lease agreements limit the number of miles the vehicle can be driven annually, generally between 12,000 to 15,000 miles. Those that exceed the agreed upon mileage are often responsible for paying 10 to 25 cents per mile. You may be able to increase the number of miles you can drive without a per-mile penalty, but the cost can be steep.1

How to Lease a Car

On the surface, it’s easy to understand how leasing a car works.

Review car dealership websites. Then call or visit the dealership. That’s how you’ll find lease specials and selections.

One major difference between shopping for a traditional car loan and a lease is what you’d focus your energy on. With a traditional purchase, getting the lowest sale price is typically the goal, as that price, combined with the annual percentage rate (APR) of your loan’s interest as well as taxes on the vehicle, will be spread out over the course of a multi-year loan When leasing, your energy is better spent trying to determine the lowest possible payment, including all taxes and fees,2 since the term of the lease is typically shorter than a car loan term.

Shop at different dealerships before you select a car to lease, just as you would if you bought a car.

One tip: Don’t forget to ask for all lease terms, from each dealership, in writing so that you can compare all fees, prices and terms.

Why Do People Lease Cars?

Some people choose to lease a car because it allows them to drive higher-end cars for a more affordable monthly payment. Plus, a two- to three-year car lease allows drivers to easily and frequently upgrade their rides.

Of course, not everyone leases because they want luxury wheels. Lower down payments, warranties, and free routine maintenance are among the benefits lease customers often receive.

Another bonus is that depreciation of the car is deducted from the total lease cost you pay. And some who end their lease find the car is more highly valued than predicted. That may entitle the lease owner to a payout or credit.3 An easy way to determine if you might be entitled to a payout or credit would be to evaluate your vehicle’s value online and compare that value to your payoff amount. If your car is worth more than your payoff, you may want to discuss this issue with the dealership, to find out if you may be due some cash.

Many dealerships also offer leases for used cars. Those are usually certified preowned (CPO) cars. Those cars are generally newer, have low mileage and were inspected and repaired or refurbished.

What Are Some of the Downside of Car Leases?

The obvious downside to leasing a car is that you don’t own the car at the end of the lease. That means you don’t have a trade-in if you decide to purchase a car. Those that routinely lease cars over many years may pay more money than they would if they had initially bought the car.

Another thing to consider: You can break an auto lease, but it will likely cost you a hefty fee. Yes, you can sign a long-term lease, but that may negate the monetary benefits of leasing instead of buying a car. That’s because leasing typically costs you more than what you might have taken out in a long-term car loan. You’ll want to do the math to figure out if the numbers work in your favor to sign a long-term lease.

Should I Buy My Leased Car?

Just as you consider many factors when you lease a car, you need to analyze the costs and benefits of buying the car at the end of the lease.

First, do you like the car? Do you enjoy driving it and does it suit your needs? That may seem like a funny question but consider your lifestyle. If you leased a small, compact car so you can easily maneuver through traffic, for example, and are moving to a rural area where you may need a vehicle that has sturdier road handling capabilities, you may find the compact car unsuitable for your new location. On the other hand, you may not want to drive a large SUV if you are moving to a congested urban area.

Are you happy with the car’s performance? Do you find gas mileage is reasonable? Is the car always in the shop for warranty work? Analyze how much the car’s upkeep will cost you if you do buy it.

If you decide the leased car is the one you want to buy, look at the residual value. How much is the car worth and how much would you pay to get out of your lease before it expires?4

There are various strategies to save money when buying your leased car, including financing through your bank or working directly with the lender (the creditor that owns the car). If you decide to buy the leased car, explore all options.

As with most personal financial decisions, the pros and cons of leasing a car come down to a host of individual factors. Analyze your needs and budget and then shop to make sure you make the right decision for you.

Do you have questions about insuring your car? Learn about auto insurance from Travelers.”

Filed Under: Davenport, IA, IA, Insurance Blog, Moline, IL, Rock Island, IL Tagged With: auto, buying, cheap insurance, insurance, leasing

Two people in car smiling thorough window

May 29, 2019 By QC Freequote

Car Theft Prevention Tips

Cars can be stolen at any time of the day. Make sure yours is less susceptible to theft with these helpful prevention tips: https://t.co/RoGwFLpXjp pic.twitter.com/DYoX1SJxF1

— Foremost Insurance (@Foremost) May 22, 2019

 

“Cars are stolen all the time and at any time. It’s important to make sure yours is less susceptible to theft. Use our car theft prevention tips below.

Park Safely

The best bet is to keep your vehicle in a locked garage. But for some people, this may not be an option. If you have to keep your vehicle parked outside, start by parking it in your driveway. If your vehicle is front wheel drive, park front end first, and if your vehicle is rear-wheel drive, back into your driveway. This makes it harder to thieves to tow your vehicle. If you have to park in the street, park in a well-lit, highly trafficked area, but make sure you’re following the posted rules. Turning your wheels towards the curb, using your emergency brake, and parking in between other vehicles can also make it harder for your vehicle to be towed away.

When leaving your vehicle, always roll up all your windows and lock the doors, even if you are just leaving it for a few minutes. Also, try to avoid leaving your vehicle unattended for an extended period of time, but if you have to, make sure you park in an attended, well-lit lot.

Theft Deterrents

While locking your vehicle or leaving it in a well-lit area can certainly help prevent auto theft, you may want increase your peace of mind by purchasing an anti-theft device. Many different types are available, and it’s easy to find one that fits your budget and needs. Some of the more common antitheft devices include:

  • Electronic security systems
  • Steering wheel and column locks
  • Ignition kill switches
  • Fuel kill switches
  • Immobilizers
  • Locks for the floor board, gear shift, tires/wheels or hood
  • Vehicle tracking systems

Whatever type of antitheft device you choose, make sure that it is installed properly. Otherwise, you may risk damaging the device or your vehicle. Hire an alarm installation professional to do the work for you. Also, consider etching the vehicle information number (VIN) into different parts on the vehicle, as this makes it easier to trace stolen automobiles/parts.

Common Sense

To protect your automobile from theft, always use common sense. Don’t leave the car running unattended with the keys in the ignition. Don’t hide a spare set of ignition keys in the glove box, or within close proximity to the vehicle. Don’t leave personal identification documents like titles or credit cards in your vehicle. Don’t keep valuables in plain sight in your vehicle. And if you park using a valet, or leave your keys with an attendant, make sure you only leave the key to the vehicle.

If your Vehicle is Stolen

Unfortunately vehicles are stolen all the time in this country. If you become the victim of auto theft contact the police first. Make sure you know as much of the following information as possible:

  • Year, make, model, and color of your vehicle
  • License plate number
  • VIN
  • Approximate time of the theft
  • Location where the vehicle was parked
  • Names of eye witnesses (if there are any)

Next, inform your insurance company that your vehicle was stolen. Have your policy number on hand when you call.

Insure Your Investment

In addition to being confident that you are doing what you can to protect your vehicle; it’s important that you have the right insurance. Not all automobiles are the same and neither are all automobile policies. You need an insurance policy that offers the coverages that are important to you when you’re behind the wheel.

Here’s what a new DISTINCTCHOICE Auto policy can offer you:

  • Security and Peace of Mind. Foremost has experience with the kind of insurance you want. Foremost has been in business since 1952 and has a long, solid history of providing superior value to our customers.
  • Coverage Essentials. A Foremost policy provides the coverage you want for your vehicle and the drivers, including medical payments and permissive user.
  • Additional Coverages. A Foremost policy recognizes that every driver is different and offers additional coverages, like loan or lease coverage and rental reimbursement, so you can tailor your policy to fit your lifestyle.
  • Choice of Payment Plans and Deductibles. A Foremost policy offers flexibility, like being able to choose from different deductible levels and payment plans. This allows you to choose when you want to pay and helps make your premium payments affordable.”

This article was written by Foremost Insurance 

Filed Under: Bettendorf, IA, Davenport, IA, IA, Insurance Blog, Moline, IL, Rock Island, IL Tagged With: auto, ia, IL, insurance, quad cities

Two people in car smiling thorough window

May 20, 2019 By QC Freequote

Insurance Terms, Explained

Insurance. A topic most of us might not understand, yet something we all should have.  The first step to making sure you are insured properly is understanding insurance. Anyone can sell you a policy THEY think you need, but who knows you better than you? Take the time to learn about insurance, so instead of an agent telling you what you need, they can assist you in the coverages you already know fit you and your family best.

Check out Safeco’s post below to better understand some of the most common insurance terms, or check out their blog to read more.

Med Pay? PIP? Dec pages? Insurance terms, explained

“With all kinds of different coverages for all kinds of different needs, insurance can be very confusing. And to make it even more challenging, at times it probably seems like insurance websites and policy documents are written in a completely foreign language.

Of course, that’s why we recommend working with an independent agent—someone who is on your side during the process and who can explain everything you need to know.

Even if you do work with an independent agent, however, it’s good to have a little basic knowledge about insurance. Below are definitions for some common terms that will help you understand your coverage a little better.

General insurance terms

  • Actual cash value: This type of coverage pays according to what an item was worth at the time it was damaged—it takes depreciation and wear and tear into account. For example, if you could have sold your couch for about $200 just before it was damaged, that’s the actual cash value, even if a similar new couch would cost $1,000.
  • Actual replacement cost: This pays the amount it would cost to replace a damaged item with a new one (such as the $1,000 couch above). It does not factor in depreciation or wear and tear.
  • Adjuster: A person who works for an insurance company to evaluate losses and settle claims.
  • Additional insured: Someone who is not the policyholder, but is still covered by an insurance policy.
  • Declarations page: This is what creates a contract between you and the insurance company. It describes who owns the policy, what property is covered and for how much, etc.
  • Deductible: The amount you agree to pay out of pocket before your insurance coverage kicks in. For example, if the cost to fix your car is $2,000, but your deductible is $1,000, you would pay $1,000 of the total cost. Typically, a higher deductible means a lower premium.
  • Endorsement: This is a change to your insurance policy’s coverage, usually made through a special form.
  • Exclusion: Something specifically listed in your policy that is not covered by the policy.
  • Liability: Your responsibility for injuries or damage to other people or property. You purchase insurance to protect against liability and other risks.
  • Loss of use: When damage from an accident or other cause prevents someone from being able to live in their home or drive their car.
  • Med Pay (medical payments): This pays for medical expenses for those covered by your policy in the event of an auto accident, regardless of fault. It also covers medical expenses for guests if they are injured on your property, but unless it is a car accident, it usually does not cover injuries someone suffers on their own property.
  • Premium: The amount you pay for an insurance policy.
  • Subrogation: When an insurance company pays a claim, and then seeks damages from a third party who was responsible for causing the damage or loss. For example, your insurance company might pay for your car to be fixed even though an accident wasn’t your fault—and then pursue reimbursement from the person who was at fault.
  • Term: The period of time your insurance policy is in effect, usually six or 12 months.
  • Umbrella: A policy that provides additional liability coverage. It kicks in after your other insurance policies have reached their coverage limits.
  • Underwriting: The evaluation process insurance companies use to determine if they will provide coverage to a customer.

Auto insurance terms

  • Aftermarket parts: Vehicle parts made by a different company than the one that manufactured those originally included with the vehicle.
  • Bodily injury coverage: Covers expenses for physical injuries, such as hospital bills or medical care.
  • Collision coverage: This pays for damage to a vehicle caused by you or someone else covered by your policy.
  • Comprehensive coverage: If your vehicle is damaged by something you could not control, such as fire or a tree falling, comprehensive coverage applies.
  • PIP (personal injury protection): This pays medical expenses for a policyholder or additional insured, and their passengers, if they are hurt in an auto accident, regardless of fault.
  • Uninsured/underinsured motorist (UIM): Pays for your damages and expenses if another driver is at fault in an accident but does not have enough insurance to cover your costs.

Homeowners insurance terms

  • Additional living expenses: Coverage for expenses above your usual living expenses, such as if you have to stay in a hotel because you can’t live in your damaged home.
  • Catastrophe: A disaster, such as a hurricane or tornado, that impacts a specific area and results in significant damage.
  • Flood insurance: Typically, standard homeowners policies do not provide coverage for flooding—it must be purchased separately.
  • Home contents: These are the things inside your house that aren’t fixed to the structure, such as your furniture, appliances, etc.
  • Peril: A specifically defined risk, such as hail, flooding, wind, etc.
  • Scheduled personal property: Separate coverage for high-value items, such as expensive jewelry, that exceed the limits of your policy or are otherwise excluded.

If something isn’t clear when you’re buying or considering insurance, don’t be afraid to ask questions! Your independent agent is there to help you get the coverage you need—and make sure you understand it, too.”

This article was written by Safeco Insurance 

Filed Under: Davenport, IA, IA, Insurance Blog, Moline, IL, quad cities, Rock Island, IL Tagged With: auto, ia, IL, insurance explained

Two people in car smiling thorough window

May 14, 2019 By QC Freequote

How to Drive Safely in Strong Wind and Rain

Hydroplaning in the #rain can cause you to lose control. Get our tips for driving in heavy wind and rain. https://t.co/ilt9UbNKcR #ThinkSafe pic.twitter.com/8Wjaj5hCHW

— Travelers (@Travelers) May 10, 2019

 

Driving in conditions that involve strong wind or heavy rain can be relatively common and may not be the most pressing safety concern for many drivers, but Travelers safety professionals know that driving in severe weather can significantly increase the risk of a dangerous situation for you, your family and other drivers. Severe weather demands your undivided attention, so be sure to reduce driving distractions by turning the radio down and turning off and stowing your phone to help you keep your attention fully on the road. Keep in mind that sometimes the best decision you can make is to avoid driving altogether and to stay off the road completely until the weather clears.

Driving in Heavy Winds

Wind may not seem like it can present a significant risk, but strong wind deserves special consideration from drivers. Strong wind can occur just about anywhere, but it can be more common in wide open spaces. Areas for concern also include highway overpasses, tunnels and “road cuts” through mountainous areas that can act as funnels for wind. The following tips can help keep you on the road and safe if you encounter heavy winds.

1. Anticipate gusts. Take special care when driving through areas prone to strong winds or when weather reports predict severe weather.

2. Notice larger vehicles. Be aware of large vehicles on the road such as tractor-trailers and recreational vehicles. They are more susceptible to high winds and drivers may have difficulties staying in their lanes.

3. Keep a firm grip on the wheel. Keep both hands on the wheel in case the wind begins to move your vehicle, especially if you are driving a large vehicle or towing a trailer.

Driving in Heavy Rain

In addition to the potentially poor visibility that accompanies most heavy rain, drivers should be ready to protect themselves against hydroplaning. Hydroplaning can occur when a vehicle is traveling too fast in heavy rain conditions, causing the vehicle’s tires to travel on a thin layer of water rather than grip the surface of the road. This has the potential to make steering and braking difficult and could even lead to losing control of your vehicle. Follow these tips to help you stay safe while driving in heavy rain.

1. Take your time. Slow down to help avoid hydroplaning. Also, one of the most dangerous times to drive can be soon after it begins to rain. The rain can cause oils on a roadway to rise to the surface and make conditions slick. Waiting a while after rains begin, rather than rushing to your destination, can be a safer plan when it is raining.

2. Turn your lights on. Turning on your headlights can help you to see more clearly and also helps other vehicles see you. Many states require the use of headlights during rain.

3. Give other vehicles more space. Add 1-2 extra seconds of following time in the rain, which gives you, and the cars behind you, more time to react to traffic.

For more tips on driving in severe weather, click here.

This post was brought to you by Chris Hayes  at Travelers Insurance.

Filed Under: Covering the Quads, Davenport, IA, IA, Insurance Blog, Moline, IL, quad cities, Rock Island, IL Tagged With: auto, cheap insurance, ia, IL, insurance

Two people in car smiling thorough window

April 16, 2019 By QC Freequote

Umbrella Policy

Why Purchasing a Personal Umbrella Policy is a Wise Decision

Why Purchasing a Personal Umbrella Policy is a Wise Decision

One of the most important insurance policies you can buy is the personal umbrella policy, but many people are unaware they need one. This policy provides high limits of liability to protect you against a catastrophic liability loss. It pays after your homeowners or personal auto policies’ limits have been exhausted. For example, a major car accident in which you severely injure several persons can result in damages easily exceeding your personal auto policy’s liability limits. Losses that result in injuries to numerous people, head injuries, and death are often covered by a personal umbrella policy. In addition to providing higher limits, this policy normally pays for some losses not covered by the underlying policy, such as legitimate allegations concerning libel or slander.

Personal umbrella policies are growing in popularity. In the past, only wealthy individuals and families purchased this coverage. Today, middle-income families also may procure this policy for protection in our society’s increasingly litigious climate. As the tendency to sue for damages rises and awards granted by the courts grow, the personal umbrella policy is increasingly seen as an insurance necessity, rather than a luxury. It is especially attractive because of its relatively low cost.

In particular, you should consider purchasing a personal umbrella policy if you have certain characteristics or engage in certain activities, including the following.

  • Your total assets are greater than your underlying liability limits.
  • You are financially responsible for the actions of a young, inexperienced driver.
  • You live in an exclusive and affluent neighborhood.
  • You have a high profile career or high income.
  • You frequently host guests on your property.
  • Your residence includes a swimming pool.
  • You own waterfront property, a farm, or a ranch.
  • You own watercraft or aircraft.
  • You own numerous rental properties.
  • You engage in extensive international travel for pleasure.

Copyright 2019 International Risk Management Institute, Inc.

Article brought to you by IMT Insurance

Filed Under: Davenport, IA, IA, Insurance Blog, Moline, IL, Rock Island, IL Tagged With: auto, bettendorf, davenport, ia, insurance, quad cities, umbrella

Two people in car smiling thorough window

February 12, 2019 By QC Freequote

How to Drive in Icy Conditions

Driving in the winter can be intimidating, and for good reason. Just because roads may look to be in good condition, you never know where black ice or freezing rain could be hiding. Check out Travelers’ latest blog post to read helpful tips and get all the information you can when it comes to driving in poor conditions.

Driving on icy roads can definitely be nerve-racking. Stay safer on the road with these tips: https://t.co/4oiU9LXQ05 #ThinkSafe

— Travelers (@Travelers) February 12, 2019

“Icy weather can create challenging, and potentially dangerous, driving conditions in the winter months. Black ice forms on roadways and can produce a nearly invisible hazard. As temperatures approach freezing, icy conditions can develop, especially on roadways where elevation is higher, and bridges and overpasses. Adjusting your driving behavior for these conditions can help keep you, and others around you, safe on the road this winter.

Recognize Local Forecast

Changing winter weather can present hazards for drivers unaware of the local weather forecast. Knowing when ice may be present is an important first step. If you plan to drive in an area where snow or ice may be possible, check conditions in advance. You can sign up for weather alerts to receive text messages and optional alerts for your area. Just make sure not to use your smartphone while driving, as you will want your full concentration on the road.

Be Aware of Other Drivers

Even if you know the area and are familiar with driving on icy roads, other drivers may not be as experienced or aware of potential dangers. It’s important to increase your following distance to compensate for the increased stopping time it can take for you and other drivers to stop on slick surfaces. Be aware that larger vehicles, such as tractor-trailers, may require even longer to stop in adverse weather conditions.

Practice Caution in All Vehicle Types

While four-wheel drive, all-wheel drive, Electronic Stability Control and other safety features can help you to drive more safely in the snow and ice, they may not be able to help drivers to safely drive at regular speed limits during snowy, slushy or icy conditions. The National Safety Council recommends a three-second following distance during ideal road and weather conditions, and suggests slowing down and increasing following distances during adverse weather conditions or when visibility is reduced. Depending on your vehicle and where you live, you may want to consider whether snow tires are necessary in the winter months.

Expect Changing Road Conditions

Even the day after a storm, road conditions can remain challenging as road crews work to clear snow and ice. The roads may be clear in one area and icy in another due to elevation, road treatment and other factors. Freezing and melting precipitation can create new dangers overnight. As air temperatures rise above 32 degrees, roadways may retain pockets of ice that can be dangerous to drivers.

Know Where to Stop Safely

Deciding to stay home or to get off the roads when conditions turn icy can be a smart safety decision. Make sure that you choose a safe spot to wait for conditions to improve. Rest stops and parking lots are generally safer than the side of the road, where limited visibility may create hazards from snowplows and other traffic.

Encourage Safe Driving

If you have friends or family planning to travel during the winter months, offer them a chance to opt-out of travel if conditions appear hazardous. For parents of newer drivers, consider creating rules about driving in snow and ice, and talk with your teens about the importance of changing their driving behavior during the winter months.

Icy conditions may present challenges for drivers, but there are steps that you can take to stay safer and to anticipate potential hazards. Know the local weather forecast, slow your speed, increase your following distance, allow yourself extra travel time and be prepared for unexpected icy conditions on the road. For more ideas on safe driving this season, check out our winter driving safety tips.”

Article written by: Travelers

Filed Under: Davenport, IA, IA, Insurance Blog, Moline, IL, quad cities, Rock Island, IL Tagged With: auto, insurance, iowa, quad cities

Two people in car smiling thorough window

February 1, 2019 By QC Freequote

Freezing Pipes

As the freezing temperatures come to a close in the Midwest this week, ask yourself if you’re prepared for the next time the cold strikes. Taking the steps to prevent your pipes from freezing is a lot easier than managing the crisis of frozen ones.

“Frozen pipes can present an invisible threat – one that you might not recognize until the weather starts to warm. By then, the water damage can be significant and costly. Fortunately, keeping your home warmer, at a consistent temperature, and better insulated can help protect your pipes from freezing this winter.

Which Pipes Are Most at Risk?

Pipes that are most exposed to the elements, including those outdoors and along the exterior walls of your home, may need extra protection during winter months. These include the following:

  • Outdoor hose hookups and faucets.
  • Swimming pool supply lines.
  • Lawn sprinkler lines.
  • Water pipes in unheated, interior locations such as basements, crawl spaces, attics, garages and kitchen and bathroom cabinets.
  • Pipes running against exterior walls with little or no insulation.

How to Help Prevent Frozen Pipes

Before winter:

  • Check your home for areas where water pipes are located in unheated or poorly insulated areas. Be sure to check your basement, attic, crawl space, garage and within cabinets containing plumbing. Hot and cold water pipes should both be insulated.
  • Products such as pipe sleeves or UL-listed heat tape or heat cable can help insulate or heat exposed water pipes.

During winter:

  • Close inside valves supplying water to outdoor faucets and hookups.
  • Open outdoor faucets to allow residual water to drain; be sure to keep them open during the cold weather months, while the water supply is turned off.
  • Keep garage doors closed to help protect water pipes located in the garage.
  • Open the doors on cabinets where plumbing is located. This can help allow warmer air to circulate around the pipes.
  • For pipes that are at risk of freezing (both hot and cold water pipes), let water drip from faucets.
  • Keep the heat in your home set at a minimum of 55 degrees.

Why is a Frozen Pipe a Concern?

When water begins to freeze, it expands. This can cause both plastic and metal pipes to burst, possibly leading to significant water damage to your home.

  • Since water expands when it freezes, it puts unwanted pressure on pipes.
  • As water freezes, the force exerted from the expansion can cause a pipe to burst, regardless of the strength of the material.
  • You may not know you have a burst pipe as the water has turned to ice. Once the temperature starts to warm and thawing begins, leaking and flooding can occur.

What Do You Do if You Have a Frozen Pipe?

  • If you have a leak, turn the water off immediately to prevent water damage and call a licensed plumber to make repairs. If your home is heated by an older steam heating system, consult with your heating professional to determine if it is safe to continue to run the heating system with the water supply turned off for your particular heating system.”

Get tips on how to help prevent your pipes from freezing this winter: https://t.co/CuiZJJpBYI #ThinkSafe

— Travelers (@Travelers) January 31, 2019

Article written by Travelers

Filed Under: Bettendorf, IA, Davenport, IA, IA, Insurance Blog, Moline, IL, quad cities, Rock Island, IL Tagged With: auto, homeowners, insurance, iowa

Two people in car smiling thorough window

December 10, 2018 By QC Freequote

Questions to Ask Your Agent

Are you asking your insurance agent the right questions? Check out Travelers article explaining 5 important questions you should ask an agent when looking for insurance.

5 Questions to Ask Your Car Insurance Rep

When it comes to choosing a car insurance policy, many of us let premium price drive our decisions. But cutting corners on cost could leave you underinsured and overexposed to the risks of the road.

Fortunately, it’s easy to strike a balance between affordability and adequate coverage when you have the right information.1 Remember: your insurance representative is a valuable resource. Asking these five questions before you purchase a car policy can help you get the protection you need at a price you decide is right for you.2

  1. Do I Have All the Coverage I Need?

This first answer to this question will depend on the state where you live. At a minimum, most states require liability insurance, which covers the cost of accident-related injury, death, vehicle damage, property damage and legal fees.

Once the minimum requirements are met, ask your insurance rep to explain and recommend additional coverage options best suited for your individual needs. These commonly include collision, comprehensive, uninsured and underinsurance motorist protection (UM/UIM). Your rep should also explain how each will affect your premium and “out-of-pocket” expenses after an accident.

If you have a lot of personal assets to protect, you may also want to discuss excess liability insurance with your insurance rep. This is a separate, personal liability policy that can kick in to cover costs where your car (or homeowners) insurance leaves off.

  1. Am I Getting All the Discounts and Savings I Can?

The cost of insurance partly depends on the coverages, deductibles and policy limits you choose. It is also based on your “risk rating” — a calculation used to determine the likelihood that you will be making a claim in the future. Factors such as the age, gender, driving record, insurance score and garaging location of the vehicles on your policy will largely determine the price of your premium.

While there is not much wiggle room to affect your risk rating and its effect on the price of your policy premium, there are many discounts designed to help lower premiums.

Savings are commonly found in safe driver, continuous insurance, multi-policy, multi-car and good student discounts for those who qualify. Additional discounts may be available if you are insuring a new or hybrid/electric car, or own a home. How and when you pay can affect your premium, too. Your insurance company may offer discounts if you pay in full, by electronic funds transfer (EFT) or by payroll deduction, as well as if you pay on time.

Ask your insurance rep to ensure you are getting all the discounts for which you are eligible.

  1. What Is Covered if My Car Is in an Accident or Gets Damaged?

It is a popular misconception that car insurance will automatically cover the replacement or repair of your car, as well as towing or rental car fees, after an accident. The reality is, without the right coverages, you may not have these benefits.

Liability insurance typically pays for damage to another driver’s vehicle or someone else’s property if you cause an accident, and is the minimum coverage required in most states. To cover repair and replacement of your own car, you will need collision coverage for accident-related damage and comprehensive coverage for non-accident incidents, such as theft, vandalism, hitting an animal or storm damage.

Be sure to ask your insurance rep whether optional coverages like roadside assistance and rental reimbursement are right for you.

Another important coverage to discuss with your rep is uninsured/underinsured motorist insurance, which can help pay for damages and medical expenses if you get hit by a driver who has no insurance or inadequate coverage.

If you have a lease or loan on your car, ask your insurance rep about gap insurance, too. This coverage may pay the difference between what your car is worth and what you still owe on it if your car is totaled.

  1. What is Covered if My Car Is in an Accident and Someone Is Injured or Dies?

Protecting drivers, passengers and pedestrians who are injured — or worse — in an accident is a top priority. That’s why bodily injury liability insurance is the most important auto coverage a driver can have, covering accident-related expenses such as hospital and medical bills, lost wages, rehabilitation and legal fees.

While bodily injury liability insurance is a requirement in most states, the minimum level of coverage may not offer adequate protection. Discuss policy limits with your insurance rep before purchasing car insurance. Remember: you will be personally responsible to cover any costs above this limit.

Ask your insurance rep to help you determine your need for additional coverage options and protections, too. Depending on where you live, these can include:

  • Personal injury protection.
  • Medical payments coverage.
  • Uninsured/underinsured motorist coverage.
  • Total disability.
  • Work/income loss coverage.
  • Accidental death benefits.
  • Funeral expense coverage.
  • First party benefits.
  1. What Costs Will I Need to Cover “Out-of-Pocket” if I Am in an Accident?

How much you will pay out-of-pocket for accident-related expenses depends on your policy limits, coverages and deductibles, as well as the specific circumstances of the incident.

If you did not cause the accident, the driver who did — and his or her insurance company — is typically responsible to pay for any resulting damages or injury. However, if the at-fault driver has no insurance or is underinsured, you may be left holding the bill. Ask your insurance rep what you can do to ensure your policy will protect you in this situation, such as adding collision or uninsured/underinsured motorist coverage.

If you are at fault for an accident, your insurance typically provides coverage for repairs, medical, legal and other related expenses up to your policy limits once you pay your deductibles. For example, let’s say your car is damaged in a covered accident you caused, you have collision coverage with a policy limit of up to $10,000 and your deductible is $2,000. If the cost to repair your car is $1,500, you will pay the entire $1,500 since it is less than your deductible. If the cost to repair your car is $8,000, you will pay your deductible of $2,000 and your insurer will pay the remaining $6,000. If the cost to repair your car is $12,000, you will pay $4,000 (your deductible, plus the $2,000 above your policy limit) and your insurer will pay $8,000.

To keep monthly premiums low, drivers often opt for higher deductibles and lower policy limits. But if you can’t pay your deductible or accident-related expenses above and beyond your policy limits, you may find yourself in financial crisis. Before purchasing any policy, have your insurance rep go over all the scenarios with you. Work together to create a policy that balances your individual needs with a premium, deductible and policy limit you can afford.

 

Information was provided by Travelers Insurance. 

Filed Under: Bettendorf, IA, Davenport, IA, IA, Insurance Blog, Moline, IL, quad cities, Rock Island, Rock Island, IL Tagged With: auto, illinois, insurance, iowa, quad cities

November 27, 2018 By QC Freequote

A Snowbird’s Checklist

Heading South for the winter? Foremost made it easy on all the snowbirds this year with a checklist! Continue reading below or head over to Foremost Blog before heading to warmer climates this winter!

If you flock to a warmer climate during winter, you know that preparing your home before you leave is a tedious, sometimes difficult task. However, creating a thorough winter checklist can help protect your house against theft, water damage and more! https://t.co/DyqKJuy240 pic.twitter.com/sTIfFLiEbP

— Foremost Insurance (@Foremost) November 27, 2018

 

[Read more…]

Filed Under: Covering the Quads, Davenport, IA, IA, Insurance Blog, Moline, IL, quad cities, Rock Island, Rock Island, IL Tagged With: auto, davenport, insurance, iowa, quad cities, rock island

November 12, 2018 By QC Freequote

Claim Tips

Filing a claim can be overwhelming, check out Foremost’s article on tips for effectively filing a claim, so your prepared for the unexpected.

If you ever experience a car accident, it’s important to know these steps for effectively filing claims. https://t.co/Qs6o7xUZuP pic.twitter.com/5uscZkZHlq

— Foremost Insurance (@Foremost) November 9, 2018

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Filed Under: claims, Covering the Quads, Davenport, IA, Insurance Blog, Moline, IL, Rock Island, Rock Island, IL Tagged With: auto, claims, ia, insurance, quad cities

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