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What Do You Know About Your Auto Insurance Policy?

We all have a lot to keep track of today. Many tasks and requirements for just about everything we do from living in a home to driving a car, and let’s not talk about what we have to do for our jobs. Some things may be less important, or be a task or requirement we can let slide a little, but one thing that can’t be ignored is car insurance. Every single state in our country requires drivers to carry a minimum of liability insurance coverage, and to have proof of insurance on their person when driving.

Letting this go – not having insurance at all – is probably the worst thing you could do for yourself and your family. In most cases, the penalties and fines for not having insurance are quite steep – upwards of $200 or more. This is a lot of money to have on hand in case of this happening. It is a lot easier to budget your insurance premium payment on a monthly or quarterly basis.

The types of coverage – and their attendant costs – vary, so let’s take a look at a few that are commonly chosen. There are generally five that show up most often and these include liability, collision, comprehensive, personal injury (full), and one policy for uninsured motorist. The minimum coverage available is liability, and covers the damage to vehicles or property that are the result of an accident. No frills, but it will cover the basics and keep you legal.

Collision insurance will cover what liability does plus the damage to your vehicle from an accident. If you drive a late model car or one that is really expensive to fix, collision insurance might be the lowest level you would want to carry. When you get up to comprehensive insurance, you are then talking about levels of coverage that really stand in for you when things go wrong, and not just in case of an accident. Accident coverage is absolutely covered and you can choose the level of payout available here, but this type of insurance will also cover you if your car is broken into and vandalized or personal property or items from the car are stolen. It also covers the theft of the entire vehicle as well as damage from things other than accidents like what can come from weather issues (think hail, or a tree limb falling) or fire.

If you choose to get personal injury coverage, you will be able to take care of any injuries that affect you or others in an accident – again, the level of coverage with the sliding scale of payout is adjustable here. Lastly, there is uninsured motorist, and this type of additional policy will pay for damage to your car that is caused by a driver who isn’t carrying insurance or is underinsured to the level you need for repairs or replacement. No matter what type of car insurance you choose to get, just make sure you have the legal minimum so you are taking care of business the right way. If you are looking for better auto insurance, contact reputable auto owners insurance companies Chico CA and get free auto insurance quote Chico CA.

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Making the best commercial auto insurance decision when you are bidding on contracts

One of the hardest things for companies that are involved in the professional service sector is making heads or tails of the best path to follow when it comes to getting commercial auto insurance for their workers.

The problem for many firms is that rather than have a fleet of cars that workers drive, they normally rely upon workers being able to show up at a client site using their own transportation. Yet, if they are contracting with a local government client, many times the contract will state that the company owner must provide commercial auto insurance for any worker that works on that contract.

To help clear up that type of situation, here are some tips that can make it easier to find a policy that will make everyone happy:

Consider doing what other service companies do:

Large or small, many firms keep a company car around to allow employees to drive to work sites when they are working on contracts that require them to be covered under company commercial auto insurance.

They normally do so because there are provisions in most commercial policies that require their designated company vehicles to be stored in a company owned or leased garage, something that is difficult to do if the car is being taken home by the employee on a regular basis. Chances are, the majority of your contracts will not come with this requirement, so you do not need to have an entire fleet available. It is a great idea to discuss this with experienced auto owners insurance companies San Antonio TX

Lining up a suitable garage is particularly important. One business owner who stored a company-owned vehicle on an apron on company property within a gated community thought it was good enough until he arrived to find out the neighbors decided his Mercedes was inconvenient and ‘moved’ it backwards with a large pickup, making the new, accordion shape of the hood remind some people of a wistful Norteno song that played while he discovered that he wasn’t in fact covered.

Look into joining their policy:

When you provide commercial liability business insurance at your office, your landlord is able to avoid insuring you because they attach their name to your insurance policy so that their liability for your premises is covered by your policy. When you are contracting and use sub-contractors that are not your employees, you can specify that they add your firm to their policy so that as long as they meet the contract limits, the client will accept the arrangement.

Provide for your workers to take mass transit to the work site:

Whether it is a shuttle bus or using the metro area transit system, employees or contractors that prove that they can commute using mass transit can be exempted from contract car insurance provisions because they have no need to be insured as drivers.

Overall, obtaining the right commercial auto insurance for your needs can be a smooth process from the auto insurance quote San Antonio TX to the signing of a policy. The key is to find the right agent.

Sam is an independent consultant writing on auto owners insurance companies San Antonio TX. His auto insurance quote San Antonio TX best practices guide is widely read.


Find the auto insurance company that will best represent your interests

None of us can control the universe. Things happen that are simply beyond our control. No matter how safely your drive, no matter how many precautions you take, you are still vulnerable when you get out on the road. An accident can happen at any time. And although you may not be able to stop such occurrence, you can plan for its eventuality. You can put in a plan to ensure your financial security against a crash that involves you and another vehicle.

Indeed, getting auto insurance is one of the best ways to ensure that you won’t have to pay out of pocket if anything happens to you or your car as the result of an accident. Few persons are in the position of paying the expenses related to an accident. And nor should they. That is what insurance is for: to pool the resources of a number of people to protect any one of them from accident and contingency. You can take advantage of such insurance. It is the best way to give you peace of mind, so that you do not have to live in constant fear of getting into a fender bender.

Now the insurance industry has changed considerably over the past fifteen years or so. It used to be the case that a few large insurance companies dominated the market. They determined the kinds of insurance policy that any one person could acquire. That has all changed. Nowadays, it is possible to work with an insurance company that has the flexibility to produce a customized insurance plan, one that suits the realities and circumstances of your life. This can be a great way to plan ahead. It can also save you money in the long run. There are many things that you may not need because of your driving record. It also gives you more control over what you want in your insurance plan, instead of having to simply accept some generic plan created by someone who knows nothing about your life and personal situation.

Of course, it is important to realize that not all auto owners insurance companies Dallas TX are the same. They differ according to the quality, value, and services they offer. When you’re looking for an auto insurance provider, you want to find one that gives you the best deal possible. You want to find one that you can trust and rely upon. This is vital if you are to rest easy about your insurance plan.

Fortunately, it is not that hard to find such a company. The best place to begin your search is the worldwide web. Using the web will enable you to bring the websites of the various insurance companies to your computer screen. There, from the comfort of your own home, you will be able to see for yourself all that each one has to offer. You will be able to judge for yourself, get an auto insurance quote Dallas TX, and decide which firm you want to work with.

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Motor Legal Expenses Insurance [Infographic]

Did you know that the UK is the most expensive place for drivers to run a car? As this infographic shows, car accidents can only add to these costs. However, Motor Legal Protection, a form of Motor Legal Expenses Insurance, is a great way of making sure you won’t lose out.

Motor Legal Expenses Insurance: Cutting your car costs

Fleet Management Resources – How To Cut Costs Considerably

All across the UK today, it’s almost possible to hear the squeals and squirms of a thousand and one businesses tightening their belts to such an extent they can barely breathe, let alone move. With competition having never been fiercer and the threat of going under never more real, it’s become a case of increasingly turning to savings and efficiency improvements as a means by which to progress with strength. And while recent slashes to petrol and diesel prices may have brought at least a little relief to those dependent on their business vehicle fleets, this is hardly the kind of thing that can be relied upon long-term.

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Fleet operation has never been an easy balancing act to pull off in a financial sense – it’s long been a case of high spending allowing for high performance and anything to the contrary yielding the opposite. But at the same time, like in all other areas of business, there are ways and means by which to cut fleet management costs without necessarily impacting quality of performance on the whole.

Outsource Management

For example, it’s natural to assume that outsourcing responsibilities to fleet services companies would mean paying an additional premium for premium service, but this isn’t always the case. The reason being that when you sign a contract with an external provider, you immediately eliminate the need for keeping hold of spare parts, spare vehicles and spare wads of cash to be used when and where things go wrong. In addition, you also tap into the kind of buying power than means cheaper parts, cheaper labour and cheaper overall tracking and management at the same time.

Effective Tracking

One of the most important habits of all to get into for the sake of efficiency and optimisation is that of accurate and constant tracking of all journeys made across the board. This is really the only way of finding out how much money you’re wasting while your vehicles are idling, what kind of MPG on the whole you can expect on a day to day basis, which of the so called quickest routes are actually the most efficient and so on and so forth. Some see tracking a way of spying on drivers – in reality it’s simply a way of spying on your business interests.

Fuel Cards

How can fuel cards bring savings to your fleet management efforts? It’s easy – by reducing the kind of manpower and time you’d otherwise have to pump into admin and accountancy. It’s natural to look for more hands-on ways and means to cut fleet costs, but at the same time you’d be surprised how big of a difference you can make behind the scenes. Long story short – the more complicated you make it for your drivers to buy fuel and then claim back the expenses, the more money you’re wasting on admin tasks. By contrast, use a centralised account with fuel cards for each driver and you’ll save masses of time and money.

Fleet Maintenance

There are so many in-house fleet managers these days who subconsciously believe that the best way of saving money is to pretty much run their vehicles into the ground and only ever spend cash on repairs when it’s absolutely necessary. Unfortunately, not only does this lead to massively inefficient running on a day to day basis, but it also means that when and where repairs are needed, chances are they’ll be bigger and far costlier than they need have been. It’s something of a constant and almost cliché call to the fleet managers of the UK to make sure their vehicles are kept in the best possible state of repair at all times, but is nonetheless a cry that’s 100% guaranteed to save any business money over the long-term.

Training

Last but not least,  it may seem a little on the inappropriate side to take life-long professional drivers back to the training room for a little driver-coaching, but setting rules in place for fleet operations could save the business a small fortune. Sure there’s a 70mph speed limit in place, but this doesn’t mean you can’t impose your own 60mph limit on drivers for better fuel-economy. Likewise, there may be a route home that’s an hour or so quicker than the other, but if the longer route saves a good deal of cash by using slower roads, feel free to make such routes mandatory. Statistics show that these kinds of minor changes can cut overall annual fuel costs by anything up to 30%, which can amount to a quite spectacular saving.