How To Save On Your Auto Insurance Policy

Car Insurance Savings

The 2015 spring season is here, and while you are planning all of your summer trips, you may be looking for ways to save money. As you start pinching pennies to afford that Hawaiian vacation, take a look at your auto insurance policy to see if you can save money with your coverage. Keep these car insurance savings tips in mind to see when you can save on your car insurance policy.

  • Shut your sunroof – while your car is parked, make sure that your sunroof is completely closed. If you leave it open and a sudden spring rainstorm hits, you will most likely be left paying for the damage to the interior of your car out of your own pocket, especially if you do not have comprehensive coverage.
  • Figure out how much you drove – if you have cut down on the number of miles you drive each year, such as if you retired or started working from home, you may be able to drop your premiums. The less you are on the road, the less likely you are to get into an accident, which may help to keep the cost of your policy low.
  • Raise your deductible – increasing your deductible is a great way to lower your monthly payments. Keep in mind that your deductible is the amount that you will have to pay out of your own pocket before your coverage kicks in, so make sure your deductible is something that you can actually afford.
  • Look for discounts – the more discounts you qualify for, the more money you can save. Ask your insurance agent if there are any discounts that you can qualify for but are not already taking advantage of.

Contact The Insurance Shop in White Bear Lake, Minnesota for all of your car insurance coverage needs this season.

Tips To Get Your RV Ready for the Road

secluded RV campsite

RV Prep

There is no better way to see the country than loading up your family in your RV and hitting the road. To ensure that your RV is ready for its maiden voyage this spring, keep these RV spring preparation tips in mind.

  • Check the outside – taking a look around the entire exterior of your RV can alert you to any big issues you may have. Double check the caulking around all the doors and windows to make sure that it is not cracked. The smallest crack can be enough to let water into your rig.
  • Inspect the tires – look for any cracks on the sidewalls of your tires, as well as cracks between the treads. Cracks can mean serious danger on the road. Also, make sure that all the tires are inflated to the proper pressure.
  • Check the batteries – if you had taken the batteries out of your RV for winter storage, check to make sure that they still work. Clean off any terminals that are corroded with baking soda and hot water. Also, take a look at the battery fluid levels. If it has been a few years since you have replaced your batteries, it may be time to invest in new ones.
  • Clean the water system – completely flush out the entire water system to ensure there is no antifreeze left in it. After filling the tanks, check for leaks in the lines and faucets. Fix any small leaks to ensure that they do not turn into bigger, more expensive problems while you are on the road.

While inspecting your RV, you should also take the time to inspect your RV insurance policy to make sure that you have the right amount of coverage. Contact the insurance professionals at The Insurance Shop in White Bear Lake, Minnesota for all of your RV insurance needs for 2015.

Overall Vehicle Sales Are Expected To Rise In The Coming Year

Colorful Cars Stock

Colorful Cars StockVehicle Sale Predictions

If you are looking to invest in a new car, there is no better time than now. Car and truck sales are expected to increase by almost 3 percent in 2015, bringing the estimated number of vehicles that will be sold to the highest level in more than 10 years.

An increase in the number of vehicles sold is a good sign for the economy. Experts agree that the increase in vehicle sales will be driven by very favorable economic circumstances, including improved job rates, a more confident consumer, and lower gas prices. In terms of economic growth and the revenue that is coming from utility, pickup, and luxury vehicle sales, the past year has been remarkable and 2015 is expected to be even better.

The National Automobile Dealers Association, or NADA, is predicting that sales of new cars will stay just a little under 17 million. The chief economist of NADA is warning that the forecast of new car sales hinges on the Federal Reserve deciding to keep the interest rates where they are, or at least in an affordable territory. Due to the improving economy, many people are expecting interest rates to rise. Even if the interest rates do increase, it is likely that it will be small, which will not make a large impact on the total number of vehicle sales.

Although the favorable economic situation may seem like all good news, it will also lead to increased prices of vehicles. Both new and used vehicles are expected to have a sticker price that is around 2 percent higher than last year.

Having the right auto insurance policy is the best way to ensure that you and your new car are protected from any peril. Contact the insurance professionals at The Insurance Shop in White Bear Lake, Minnesota for all of your auto insurance coverage needs.

Ring In The New Year In Style And Safety!

Happy New Year background

Happy New Year backgroundNew Year’s Safety Tips

As the New Year approaches, it is time to start planning for the celebrations. Whether you are hosting or attending a party or just celebrating with your family, keep these safety tips in mind for a safe start to 2015.

Drinking Safety: 

  • Do not set your drink down anywhere to prevent someone from tampering with it.
  • Eat starchy foods before and while you drink to slow the absorption of alcohol into your system.
  • Alternate between alcoholic and non-alcoholic drinks to make sure you stay hydrated.

Driving Safety: 

  • This may be common sense, but do not drink and drive.
  • If you are too impaired to drive, have a designated driver or hire a taxi to take you home safely.
  • Be aware of your surroundings. With all the added people on the road, driving is more dangerous. Plus, while you may not be drinking and driving, other people might be.

Hosting Safety: 

  • Plan ahead and name a designated driver or contact a local cab company to make sure all your guests get home safe.
  • Consider providing your guests a place to stay overnight in your home.
  • Stop serving alcohol to your guests several hours before the party ends to give them a chance to sober up before they leave.
  • Monitor the alcohol intake of your guests to prevent them from drinking too much and getting alcohol poisoning.

Keep these various safety tips in mind to celebrate the start of the 2015-year safely! Contact The Insurance Shop in White Bear Lake for all of your Minnesota insurance needs. Let us protect you with a great policy that will keep you safe for the New Year.