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.

Finding The Right Coverage Options For Your Motorcycle Insurance

Colorful motorcycles

Motorcycle Insurance Coverage Options

As the mercury in your thermometer continues to rise, it is the perfect time to pull your motorcycle out of storage to make sure that it is ready to hit the road. Before you head out on your first trip of the season, it is important to make sure that you are protected with the right motorcycle insurance policy. Keep these coverage options in mind so that you can help to provide the right amount of coverage for your bike.

  • Bodily injury liability coverage – if you are found to be at fault for an accident, bodily injury liability will pay for the cost of medical bills and lost wages of anyone else who was injured in the accident.
  • Medical payments – if you or your passenger were injured during an accident, medical payments coverage will pay for necessary medical expenses after the accident.
  • Property damage liability coverage – if you damage another person during an accident that you cause, property damage liability will cover the cost of repairs.
  • Personal injury protection – after an accident, personal injury protection will reimburse you for any costs that are associated with the accident, including lost income, medical bills, childcare, and funeral expenses.
  • Collision coverage – any damages that are done to your motorcycle during an accident will be covered by your collision coverage.
  • Comprehensive coverage – sometimes known as “other than collision coverage,” comprehensive coverage will pay for any damages to your bike that are the result of an incident other than an accident, such as fire or theft.
  • Additional equipment – typical coverage options will only provide coverage for a stock bike. If you have added on any after-market products, additional equipment coverage will cover the extra cost.

For all of your motorcycle insurance needs and to ensure that you have the right amount of protection for your bike this spring, contact The Insurance Shop in White Bear Lake, Minnesota.

Safeguarding Your Snowmobile

Does Your Snowmobile Have The Protection It Should?

You know you need to insure your automobile, but you may see your snowmobile as a winter toy more than a vehicle and consequently not have thought about covering it. While not every state legally requires you to insure your snowmobile, smart owners know that it is important to cover this recreational vehicle. When you are deciding how much coverage to secure, consider these questions:

  • What Do I Need Covered? Do you want your snowmobile to be protected if you collide with another snowmobile or immovable object? Get collision coverage. Do you want it to get replaced if it gets stolen? Get comprehensive coverage. Do you want medical bills to be paid if someone gets injured out on the powder? Get bodily injury liability coverage. This may sound like a lot, but an insurance expert can help you discern what type of protection you should get.
  • How Much Does It Cost? Like most insurance coverage, the answer is- it depends. While you can get coverage for $100 a year if you want to stick with simple liability coverage, full coverage is still not a big expense. You can most likely secure full coverage for yourself and your snowmobile for less than $500 annually.
  • Are My Passengers Protected? If you regularly bring passengers along for the ride, let your insurance agent know. He or she will be able to help you cover your friend or family member on the back of your snowmobile.

Do you know how to protect yourself and your snowmobile this winter and throughout the year? Contact the insurance professionals at The Insurance Shop in White Bear Lake, Minnesota for all of your snowmobile insurance coverage needs. Our team of experts is here to safeguard your fun in the snow!