Archive for category: Auto Insurance

Get Organized Month: How to Tidy Up Your Car

Get Organized Month: How to Tidy Up Your Car

Organize Your Vehicle 

Do you ever think twice about giving someone a lift because your car is in a perpetual state of disorganization? Since January is Get Organized Month, now is a great opportunity to dedicate some time to your vehicle to get it clean and tidy. Luckily, this doesn’t have to be a long and expensive process. Check out these tips below!

Declutter

As with any cleaning project, you want to start by evaluating what you have in your vehicle. Do you have trash that has been sitting there for a while? Do you have out of date paper maps? Recycle or throw away what you don’t need to keep in your car, and re-evaluate what you do keep.

Sort Out the Paperwork

You’ll need to keep some forms of paperwork in your vehicle. Ensure you have the necessary documents, along with a print-out of your insurance coverage, vehicle details, and paid vehicle registration fees.

Clean Up

Once you’ve decluttered it, now is the time to give it a good clean! Wash the outside, vacuum the inside, and wipe down the interiors. Ensure you wipe down the mirrors and windows well, leaving no smears that could distort your vision.

Use a Shower Caddy Car Fluids Organizer

If you break down on the side of the road, that motor oil does you no good sitting at home. Be on the safe side and keep a few small bottles of the essentials tucked away in a shower caddy.

Make Better Use of the Space

Enjoy your car’s vertical space by using climbing carabiners as bag hooks. Simply clip them behind the headrest. They’re great for transporting your purse, gym bag, groceries, and more!

Stock Your Emergency Supply Kit

Ensure that you have the basic supplies in your vehicle for when you need them the most. Stock up on jumper cables, repair tools, a first kit, blankets, flashlight, batteries, and water.

Keeping your car safe on the roads helps to protect the vehicle as well as your wallet. If you’re looking for the right car insurance, contact Chambers & Company Insurance Brokers today.

Car Safety for New Year’s Eve

auto insurance in Camarillo

Ring in the New Year safely by checking out with these driving tips.

New Year’s is a time for celebrating, reflection, and resolutions. As one of the most hyped party nights of the year, there will be lots of festivities occurring this December 31st. Whether you’re throwing a party, checking out a nightclub, or staying in, there are some important driving safety tips you should note. Drunk driving and New Year’s Eve unfortunately go hand-in-hand, according to the statistics. Take measures to protect your New Year’s Eve journey.

Avoid peak post-party times. Many New Year’s Eve parties run until at least midnight, so it’s better to drive between 7 p.m. and 10 p.m., and then wait again until 1 a.m. and 2 a.m. Driving between midnight and 1 a.m. is peak time when people are leaving the bar or party and heading home.

Check the weather report. You should be prepared for the weather conditions on the road so that you know what supplies to bring for your car.

Choose a designated driver. If you’re going to be traveling by car and don’t want to rely on taxis all night, choose a designated driver who will stay sober and drive everyone in your group. Not only will your journey be safer, a sober driver will be able to respond quickly to drunk drivers sharing the road.

Give up your keys when arriving at the party if you drove there and feel tempted to drink. Listen to your friends if they think you are too intoxicated to drive. There are always better options than getting behind the wheel tipsy.

Take public transportation. Public transportation is reliable, safe, and sure to be full of festive travelers! Plan your journey well in advance so that you know which bus to take.

Call a cab. This option is often easier said than done on New Year’s Eve, with many people having booked taxis well in advance. If you don’t want to use taxis, call a Lyft or an Uber. These apps make it extremely easy and hassle-free to get a pickup.

Book a room. Why not make a night of it? If you’re traveling to a party, book a room at a nearby hotel so that you can get there early, enjoy the day, and not have to worry about driving back home that night.

Be sure that you have the right auto insurance in place before heading out for your festivities. Contact Chambers & Company Insurance Brokers today.

Tips for Driving at Night

Tips for Driving at Night-Time

Use these tips and secure the right auto insurance to ensure a safe drive after dark.  

Now that the nights and mornings are getting darker, we find ourselves driving to and from work in the dark. Driving at night doesn’t have to be dangerous if you prepare properly. While visibility is severely reduced and the road conditions in winter aren’t ideal, it doesn’t take much to reduce your speed and be extra vigilant. For tips on how to drive in the dark, read on.

Be Bright, Be Seen

When it’s grey, raining, or dusk, you need to turn your headlights on. Ensure that your car can be seen easily by other road users. Check all the bulbs in exterior lights regularly, and clean the lenses at the same time. It doesn’t take much in the way of dirt and road grime to significantly reduce the brightness of your lights. Keep your headlights dipped when overtaking vehicles and approaching oncoming vehicles.

Slow Down

Even if you know the road like the back of your hand, driving the route in the dark won’t be the same as driving it with full visibility in the daylight. Slow down and try to take in as much information about the road as possible. You’ll still need to concentrate on the road, motorists, and driving conditions. If you don’t know the road, follow the curves of the road.

Clean Your Windows

Make sure your car windows are clean, inside and out, because dirty glass increases glare from other vehicles and is also more likely to steam up.

Don’t Drive Drowsy

Driving in the dark can go against our natural instincts, as we associate nighttime with sleep. To prevent drowsy driving, make sure you’re well rested before you head off, and don’t push yourself to drive further than you’re comfortable with. If you start to feel tired, pull over.

Auto insurance coverage can help to keep your nighttime journey a safe one. Contact Chambers & Company Insurance Brokers to get started on tailored coverage that can see you through the winter and beyond.

Safety Behind the Wheel: Tips for Your Summer Drive

Tips for Your Summer Drive

Stay safe on summer roads with these tips.

Whether it’s the daily work commute, the school run, or a summer road trip, driving in the hottest season has its challenges. As well as sun glare, you’ve got high temperatures to contend with, which can make your car behave differently. In addition, roads are busier, especially en route to airports and around tourist destinations. Before you head off, review these tips for your summer drive.

Plan your journey. If you have a road trip planned, map it out beforehand. You may not stick to it, but at least you’ll have a route mapped out if you get lost or take a wrong turn.

Check your car’s fluids. During the summer, we all need water to stay active and prevent dehydration. Your car isn’t any different. Fluid levels help to keep your car running smoothly, so ensure that you top up the engine oil, windscreen washer fluid, engine coolant, and fuel.

Top up the tires. High temperatures and under-inflation exacerbate existing damage and weak spots, increasing the risk of punctures. Before setting off, check tire condition and pressures on a vehicle, as well as anything you may be towing.

Avoid the glare. You may love basking in the sun, but sunlight is not ideal when it bounces off your windscreen, making the road hard to see. Keep the glass clean, repair scratches and chips, and wear non-light-reactive sunglasses while behind the wheel.

Pack a kit. Whether it’s a long journey or not, you should always have an emergency kit in the trunk of your car. This should consist of a breakdown triangle, water, first-aid kit, map, flashlights, and other essentials.

Drive extra diligently. With schools about to break up for summer, it’s important to keep an eye on certain areas. Drive carefully through neighborhoods where kids may be playing in the middle of the day. While you’re at it, take a look at five bad driving habits to avoid.

Now that you know how to make the most of your summer drive, be sure that you secure the right auto insurance for your needs. At Chambers & Company Insurance Brokers, we’re dedicated to giving each driver the coverage they can count on. Visit us today to get started.

Common Causes of Car Accidents (& How to Avoid Them!)

Common Causes of Car Accidents

Know – and avoid – the common causes of car accidents.

Auto accidents happen everywhere, every day. Most people know someone who has been in an accident, if they themselves have not. Not only does this rack up huge auto repair bills, insurance claims, and medical costs, but the results are often devastating. The National Highway Traffic Safety Administration (NHTSA) reports that car accidents are the leading cause of death among people aged 3 to 33. So that you know what to avoid, check out the common causes of car accidents.

Distracted Driving: Driving while distracted seems to be on the rise with all the latest gizmos and gadgets built and brought into vehicles. While cell phones, smart watches, and navigational systems may be useful in the vehicle, in reality, they can do more harm than good. In our busy world, everyone wants to be multi-tasking at all times. The one place that this shouldn’t be done is in the driver’s seat.

Speeding: Speeding causes one-third of all auto accidents in the U.S. Just the difference between 40 and 60 miles per hour can double the impact of a crash. Going an extra few miles per hour won’t save you that much time, but it can save your life if you stick to the speed limits. Work on leaving 10 minutes earlier to get to your destination so that you’re not tempted to speed.

Under the Influence: Driving under the influence, whether it be drugs or alcohol is a poor choice made by many. There are serious laws and penalties for those who choose to do so if they even survive the accident. Drunk driving not only puts the driver’s life in danger, but everyone else on the road, too. Always designate a driver to make sure you don’t put anyone else in danger when you drink.

Unfamiliar Roads/Laws: Being unfamiliar with an area can be a cause of an accident. Whether it’s making lane changes last minute or not following the rules of the road, driving poorly puts the driver at a higher risk of an accident.

Good driving habits keep you safe. For everything else, there’s car insurance. Visit Chambers & Company Insurance Brokers for a quality auto insurance policy today.

Avoid These Top Five Bad Driving Habits

Bad Driving Habits

Adopt a safer driving style and avoid picking up these bad driving habits.

As motorists get used to the roads, it’s only natural that their Driver’s Ed safety skills start to slip. However, speeding and rolling through stop signs, no matter how experienced you are, is never safe. Driving safely should be second nature to all on the road, so if you’ve picked up these bad driving habits, it’s time to shift your safety skills.

Avoid these bad habits that can cause accidents and mishaps on the roads:

Not signaling – Your turn signals act as communication to other drivers for where you want to go. Failing to use this simple device can easily cause rear-end collisions or allow someone to pass you as you’re about to turn. In short, it takes seconds to use this device but can save you from a whole load of incidents.

Rubbernecking – Slowing down to look at traffic incidents, construction, and the sort causes rear-end collisions and significantly slows down traffic. Don’t take your eyes off the road or you could miss closed lanes and police officers directing traffic.

Staying in the left lane – The left lane is designed for overtaking. If you’re cruising well below the speed limit in this lane, you could encourage other drivers to fly around you in the right lane. This causes more danger on the roadways. Once you’ve overtaken, move to the right.

Distracted driving – No matter how easy smartphones and smart watches make it, don’t be tempted to check your email, text, make calls, or go on social media while you’re behind the wheel. Also, don’t eat, drink, or try to multitask when you’re on the road, as anything that distracts your attention from the road is dangerous.

Speeding – Speeding can only result in one of three outcomes: you save a few seconds, you get a speeding ticket, or you cause an accident. The more you speed, the more likely it is that you’ll end up getting into an incident and land yourself a hefty fine!

Are you guilty of any of these bad driving habits? Now that you know what customs to ditch, be sure that you secure the right auto insurance for your needs. At Chambers & Company Insurance Brokers, we’re dedicated to giving each driver coverage they can count on. Visit us today to get started.

The Top Factors That Influence Your Car Insurance Rates

cars-in-lot

Find out what influences your car insurance rates.

Just as no two people are alike, no two insurance quotes are identical. Insurance policies have to be personalized because no two drivers are the same, and therefore a ‘one-policy-fits-all’ will not suit everyone. A car insurance company will determine the cost based on a number of factors, some of the car itself and the rest are the details about the driver. In short, the riskier you and your vehicle are on the road, the higher your car insurance rates.

Here are the major factors that determine most of your auto coverage cost:

Where you live and park

If you regularly park your car in a zip code notorious for auto theft, you could see higher insurance quotes, as opposed to garaging it elsewhere. By parking your car in a dangerous neighborhood increases the chances of theft and vandalism – meaning that your risk for filing a claim is that much higher. While you can’t always change where you live, you can park the vehicle in a closed garage rather than open streets to lower your risk.

How old you are

Age makes a huge difference in insurance costs, especially when you’re younger than 25. Those in their youth are deemed a costlier group to insure as they lack experience and are responsible for a higher number of damages and accidents than that of a 40-year-old who has been driving for 20 years. Note that once you enter your senior phase (65+), insurers start factoring in things like reflex ability, and rates raise to reflect this.

Your past driving record

If your record is rife with claims, accidents, and speeding tickets, you can automatically expect to pay more for your insurance than someone who has a clean slate. Those who have received a ticket or been at-fault for an accident face higher premiums as they are riskier to insure. Drivers convicted of a DUI could see their rates increase by as much as 36 percent.

Your mileage

The more you drive your car, the more likely you are to get into an accident. Insurers will use your annual mileage to determine your risk of a traffic violation or collision. If you don’t drive many miles a year or if your daily commute is less than 10 miles one way, you could enjoy a low mileage discount.

The vehicle

The make, model, and age of the car that you drive significantly impacts your auto insurance. A moderate car with safety features may be eligible for lower premiums and discounts, whereas older cars that are likely to break down or be stolen could face higher costs.

Do you need help finding the right fit on your car insurance rates? Visit Chambers & Company Insurance Brokers for a quality auto insurance policy today.

Decode Your Auto Insurance Jargon with This Glossary

Decode Your Auto Insurance Jargon

Confused by insurance lingo? These terms help you to understand your auto insurance policy.

Do you know the difference between comprehensive and collision coverage? Perhaps you’re lost on liability and limits. Either way, a policy full of terminology is going to look like nonsense to the average consumer. While most insurance agents are happy to fill in the gaps and decode jargon for those looking for a policy, it’s wise to familiarize yourself with industry jargon before securing an auto insurance policy.

Here are the common terms that you need to know:

Actual Cash Value (ACV) – The value of your property, based on the current cost to replace it, minus depreciation.

Bodily Injury Liability (BI) – When an insured person is legally liable for an accident, BI coverage pays for injuries or death to people involved in the accident other than the insured driver.

Collision Coverage – Damage to your car when you’re involved in an accident with a vehicle or someone’s property. Insurance will pay for the repair or up to the actual cash value of your vehicle, minus your deductible.

Comprehensive Coverage – This is damage to or loss of your vehicle from causes other than an accident such as hail, vandalism, flood, fire, and theft.

Deductible – A pre-determined amount that the insured will pay in a claim before the insurance steps in to handle the costs.

Liability Coverage – Coverage for injuries to the other party and damages to the other vehicle resulting from an accident that you were at fault for.

Limits – An insurance coverage limit is selected by you when purchasing a policy. It is a pre-arranged amount that describes the maximum an insurance company will pay for damage or injuries for a covered loss.

Medical Payments (MedPay) Coverage – MedPay is an optional coverage that pays for necessary medical and funeral expenses for covered people, as a result of an auto accident.

Premium – A premium is the amount of money paid to an insurance company in return for coverage. Depending on how you pay, you may have a monthly or annual premium.

Uninsured/Underinsured Motorist Coverage – If you’re involved in an accident with a driver who has no insurance coverage or too little to cover the costs of the expensive accident, this coverage kicks in to help with the remaining costs for your medical bills and car repair costs.

Need help finding the right price and cover for your needs? Visit Chambers & Company Insurance Brokers for a quality auto insurance policy today.

Ask Questions Before Auto Insurance in Reading

Ask Questions Before Auto Insurance in Reading

Ask these questions before buying auto insurance in Camarillo.

Are you in the market for auto insurance in Camarillo? If so, you may be tempted to purchase the first policy that you see online. Before you do, however, it’s critical that you assess what coverage you need – and that you obtain it! Ask these questions before selecting your auto insurance policy.

How much coverage do I need?

You must have at least the state’s minimum liability requirements, but beyond that is up to you. You may choose to get more coverage for the protection of your vehicle and finances. Knowing what sort of coverage you have will help you to decide on whether you want to have more coverage for your protection.

What is my deductible?

When you make a claim on your insurance, you have to pay an initial portion of the bill – the deductible. A higher deductible will lower your monthly premium, although you’ll end up with a higher out of pocket cost when you need to file a claim.

Does the insurer have an office?

Although it seems like most business is conducted online these days, having a local insurance branch is best when dealing with complicated and difficult matters. Find out if your insurer has a local office that you can pop into.

What do I do if something happens?

Ask the insurer if they have a 24-hour reporting policy, whether online or by phone. Be sure you understand what the process involves, what information you would need to provide, and when you have to make a claim.

Skip the search of finding the right insurance agent – contact the Camarillo professionals at Chambers & Company Insurance Brokers today to secure the right auto insurance for you. Our team is happy to answer any (and all!) questions that you may have.

Top Winter Driving Safety Tips

Winter Driving Safety Tips

The season is not over yet; bear these winter driving safety tips in mind.

While California isn’t known for its wintery ice and snow, the weather can take a turn for the worse. If you’re heading out on the roads during winter, it’s important to stay safe. Even through the rain and wind is novel for a week or so, be sure keep these winter driving safety tips in mind.

Avoid cruise control: Road safety experts recommend against using your cruise control features while driving in hazardous weather conditions. When you use it while driving in snow and ice, you may be unable to gain control quickly enough if your car skids. You want to maintain full control of your car, and cruise control won’t help this.

Get a check up: Take your car to the local mechanic to ensure that it has ample antifreeze and windshield wiper fluid so that you can maintain adequate visibility. While you’re at it, check that the battery, tires, and brakes are in good condition. Renew your front and rear wiper blades so that you’ll be able to see clearly when it rains.

Slow down: Winter roads can be host to black ice, puddles, hidden potholes, and layers of snow. For your best chance of having time to react if your car skids or slides, reduce your speed completely.

Maintain safe distances: In the winter, try to keep a safe distance between your vehicle and the vehicle in front of you. Aim to leave an 8 to 10-second stopping distance and even more in wet conditions.

Stay alert: You should never drive distracted. During the winter, pay extra attention to the road.

Following the winter driving tips above help you to stay safe throughout the season. For the auto insurance that helps to safeguard your vehicle and finances this coming winter season, contact the professionals at Chambers & Company Insurance Brokers today.