Archive for category: Auto Insurance

What to Look for When Buying a Used Car

Buying a Used Car

Buying a used car? Check out these must-need features first!

Have you run your car into the ground? If you don’t want to splash out your life’s savings on a brand new car, it’s wise to choose a second-hand car. And while investing in and buying a used car may make you a little hesitant at first, buyers need to be smart in their choices. Used cars that are sold with hidden damages can become costly problems for the unsuspecting buyer.

To avoid purchasing a proverbial lemon here’s what to look for when buying a used car.

Always test drive. It’s always best to take the car for a test drive on both local roads and highways. In different environments, you’re able to get a good feel of how the car responds and performs. Test the brakes and turns on local roads, while testing the engine and speed on the freeway. Make sure to note any unusual engine noises and whether or not all the electronics in the car are working properly.

Examine the interior and exterior. Both the inside and outside condition of the car play a large factor in the car’s value. Check the interior upholstery, along with any repairs to the exterior of the car. Even if the car has a few dents and scratches, don’t be put off making the purchase. However, a dirty and rusted engine can be a strong indication that there may be trouble down the road.

Do a leak test. When you’re out on the test drive, park in a clean area of the road and let the car run for 30 seconds. Then, move the car and do a visible inspection for any leaking substances. Black fluid could be leaked oil, green fluid may indicate a leak in anti-freeze, and pink fluid may indicate a leak in the transmission.

Do your homework. Research reviews on the make and model of the car, along with common problems. While you’re at it, research average prices to make sure that you’re being charged a fair amount.

Check out the Vehicle History Report. A vehicle history report can help you reveal title problems, ownership history, service points, and previous accidents, large or small. These reports can be available from dealers or ordered online.

When you decide on your used car, be sure to secure the right protection! Get started on your tailored policy from the insurance professionals at Chambers & Company Insurance Brokers. We are there to secure the right auto policy and guide you through the claims process.

Extend Your Car’s Life with These Tips

Extend Your Car’s Life

Stop running your car into the ground; extend your car’s life with these tips.

For many of us, our car is one of our most prized possessions. It gets us to and from work, it was a hefty purchase, and it keeps us safe on the roads. More than that, it’s something that we heavily depend on. These days, motorists are attempting to keep their vehicles running for longer before they upgrade or trade them in so that they get their full money’s worth. With relatively easy maintenance, you can extend your car’s life better than ever before.

As it’s important to maintain your car properly so that you can continue getting from A to B, check out these simple ways to extend your vehicle’s life.

Tend to minor repairs. Little issues can become big ones when left unattended. If you hear a hum when you turn on the air conditioning or notice your car is pulling to the right, get it checked out. Taking care of the small problems now will prevent further larger and costly problems down the road.

Keep up with oil changes. Oil is essential to the proper operation of your engine. When oil levels are low or the oil is old, the parts have more friction. Eventually, this will cause more wear and tear on your car. Have your oil regularly changed according to the schedule recommended in your owner’s manual.

Change your air filter regularly. Your air filter should be replaced around every 12,000 miles. Over time, dust gathers on the filter which means that the engine has to work harder. In turn, this can negatively affect your gas mileage and engine performance.

Stay on top of tire pressure. Tires inflated within 5 PSI of the recommended levels greatly improve your gas mileage. Furthermore, it betters the general handling of the vehicle. Be sure to regularly check your tire pressure to ensure it’s at the right inflation.

Keep it clean. Dust and debris may not be a big issue for you, but over time it can cause undue wear on your car’s surfaces. Regularly wash and wax your car to keep your paint job pristine!

When looking to take care of your car, choose to protect it with reliable auto insurance. Maneuver the road ahead with reliable coverage by calling the professionals at Chambers & Company Insurance Brokers today.

How Auto Insurance Can Help in the Aftermath of an Accident

auto insurance

Whether you brace for the collision ahead or are tapped from the behind, here’s how your auto insurance can help.

Any car accident or crash can leave you feeling a bit flustered. After a crash, you don’t want to be fumbling about trying to Google what to do or forget a critical step in the process. Fortunately, this guide can help make the moments after an accident less stressful as well as making the claims process that much smoother. Do you know how to handle a car accident and file a claim for your auto insurance?

Move to a safe area. If you can, pull over to the side of the road, out of the flow of ongoing traffic. If moving your car isn’t possible, turn on your hazard lights to warn other drivers that your vehicle is stopped. Make sure that everyone is okay in both vehicles, and call the police pronto.

After an accident, collect information. From the moment you collide with another vehicle, person, or property, keep good records. Take note of the time, the other driver’s name, location, license number, insurance company, and contact information. Once the police have arrived and taken statements, ask for a copy and write down the officer’s names.

Contact your insurance company. Let your insurance company know that you were in an accident and provide all the specifics of the crash. If you took photos or a video of the scene, send them over to your insurance agent as they may help during the claims process.

Work with the claims adjustor. When filing a claim, many insurers will send an adjuster out to inspect the damage to your vehicle. After this, you’ll be sent a settlement offer, you’ll pay the deductible, and have your insurance kick in to cover the rest.   

Being involved in a crash is never ideal, especially if you have to worry about financial hardships. Minimize this risk by knowing how to handle an accident and ensuring that you have sufficient coverage on your auto insurance. To determine the right amount of protection that best suits your vehicle, needs, and budget, contact one of our helpful agents at Chambers & Company Insurance Brokers today!

Does Your Business Need Commercial Auto Insurance Coverage?

Commercial Auto Insurance

Is driving your business (or part of it)? You may need commercial auto insurance.

As a business owner, it’s natural to want to protect your foundation and employees as well as you can. Whether you own a pizzeria, landscaping business, or party bus, if your business uses a vehicle, you’ll need commercial auto insurance. Even if you only make deliveries every other weekend or pick up equipment once a month, personal auto insurance more often than not won’t cover you for a work-related incident.

Fortunately, commercial auto insurance protects many facets of your business through the following policies:

Bodily Injury Liability – For other drivers’ and passengers’ injuries or death that you caused.

Property Damage Liability – For damages to someone else’s property for which you are responsible.

Comprehensive Coverage – If your vehicle is damaged in an event other than an accident, such as a theft, vandalism, or from a tree branch falling on your vehicle, this insurance will step in to cover the replacement costs.

Collision Coverage – For your vehicle when your car hits or is hit by another vehicle.

Uninsured/Underinsured Motorist Coverage – Covers all of your staffs’ injuries, damages, and death caused by an at-fault driver with no or too little insurance coverage.

Medical Payments Coverage – To cover the costs of medical bills incurred by you and your passengers in your work vehicle from an accident.

Beyond these fundamental components, you can customize your business car insurance policy with the following coverages:

  • Roadside Assistance – If you break down on the side of the road, this service can deliver fuel to you or tow you to a nearby garage.
  • New Vehicle Replacement Cost Coverage – Your totaled, brand new car can be replaced for one that’s the same model year as your totaled car.
  • Rental Reimbursements – If your vehicle is in the garage, you may need to get a rental car. Fortunately, it won’t be out of pocket with this coverage.

Commercial auto insurance protects your vehicle, employees, and business from falling due to a stumble. Maneuver the road ahead with reliable coverage by calling the professionals at Chambers & Company Insurance Brokers today.

What’s The Proper Thing To Do If Your Tire Blows Out While Driving

What to Do When Your Tire Blows Out

If you have a tire blowout on the highway, here is the proper thing to do!

Safely handling a tire blowout at highway speed is a tough skill to master. If you don’t know what to do when your tire blows out, you can end up in trouble. The good news is that doing nothing is often the best thing that you can do. Even if you’re cruising down the freeway when your tire blows out and panic starts to set in, do your best to stay calm and handle the situation smoothly.

If a front tire blows out, your car will pull you to the left or right as the steering wheel starts to vibrate. If a rear tire blows out, you’ll feel the car wobbling back and forth. These are the reasons that make it necessary for you to know the proper thing to do if your car’s  tire blows out:

What are the reasons for tire blowout?

  • Incorrect tire pressure – The majority of tire blowouts are caused by low tire pressure. Due to the low pressure, the tire gets overheated as it flexes beyond its limits causing the rubber to break away from the tire’s internal structure and steel cord reinforcement. This is more likely to happen when you are traveling at a high speed. Also, during summers, the pavement is hot and if the tire is underinflated, it may heat up and burst.
  • Old tires – If the treads on the tires are worn out and there are cracks in the rubber, it may lead to a tire blowout.

What you should do if your car’s tire blows out on the highway?

  • Keep a firm grip on the wheel.
  • Don’t brake. Braking may cause you to skid and lose control of the vehicle. While you’re trying to regain control of the car, try to maintain your speed. Steer left or right to stay in your lane, and take your foot off the accelerator to slow down slowly.
  • Pull over to the side of the road. Put your indicator on and move across traffic to a safe spot on the side of the road. Once you reach 20 miles per hour or under, you can tap the brakes to come to a stop.
  • Once you’ve stopped, apply your parking brake.
  • Turn on your emergency lights. Lights alert others that your car is disabled so that they slow down and move around you.
  • Put on your spare tire or call your Roadside Assistance service.

How to prevent tire blowout on the highway?

Proper tire maintenance is the most effective way to prevent tire blowouts. You must check the tire pressure regularly and ensure that it is in accordance with the pounds per square inch (PSI) for your car.

In the United States, cars sold after 2007, are fitted with an electronic tire pressure monitoring system. It alerts you if the tire pressure is either above or below the safe level. However, if you own an older car, you must monitor the tire pressure yourself regularly.

Check for wear and tear and cracks in the car tire and replace old tires if needed.

Does auto insurance cover tire blowout?

Certain types of sudden and accidental damage to car tires may be covered by auto insurance. Whether you are covered in a tire blowout depends on your auto insurance coverage. You must talk to the insurance provider to know about the coverages and the exclusions.

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Your tires are more likely to blow out if they have a lot of miles on them. It’s wise to check your tires for wear before a road trip and to double-check that they aren’t underinflated. Most blowouts happen when driving on underinflated tires at high speeds. Checking your tire pressure once a month could prevent this disaster!

When accidents happen, you’ll be glad that you took the time to secure the right auto insurance. Click here to call or Get started on your tailored policy from the insurance professionals at Chambers & Company Insurance Brokers. We are there to secure the right auto policy and guide you through the claims process.

 

How to: File a Commercial Auto Insurance Claim

File a Commercial Auto Insurance Claim

Find out how to file a commercial auto insurance claim!

Whether you own a florist business, cake company, or home delivery service for the elderly, you or your employees may be on the roads every day. No matter how you and your employees use your commercial vehicle or fleet, you could be at risk in the event of accidents.

When an accident happens, knowing how to file a commercial vehicle insurance claim will help you to save money and get your business reimbursed as soon as possible!

When and How to File Commercial Auto Insurance Claims

While getting into an accident in the delivery van isn’t ideal, there are simple steps that you can take to ensure that the claims process goes smoothly. First, always check for injuries and contact the appropriate authorities!

Next, gather the following information to relay to your insurance company:

  • The names of everyone involved in the accident
  • All vehicle license plate numbers and car information
  • The insurance information from all other drivers involved
  • All accident specifics that you can remember

It’s a good idea to record everything that has happened at the scene as well as taking pictures of all vehicles involved. If the accident is minor, evaluate whether it will be worth it to call the insurance company to file claims. You should be aware of the deductible and how your coverage applies to the accident.

Once you have all the information gathered, give your insurer a call to get started!

When accidents happen on the clock, you’ll be glad that you took the time to put the right coverage in place. Filing commercial vehicle insurance claims can be a challenging process, so work with a local agent who will advocate for your needs.

Get started on your tailored policy from the insurance professionals at Chambers & Company Insurance Brokers. We are there to secure the right auto policy and guide you through the claims process.

 

What a Ticket Does to Your Auto Insurance

Auto Insurance in Camarillo, CATraffic tickets can seriously affect your auto insurance.

When car insurance companies determine your premiums, one of the biggest factors they look at is your history of traffic tickets. Statistically, when you have a driving record that shows moving violations and speeding tickets, your insurance company views you as a risky driver. For this reason, they raise the cost of your auto insurance.

How will a ticket affect my insurance in the short term?
The good news is that if you’re over twenty-five and this is your only ticket on your record (within the last three years), chances are it will make little difference to the rate you pay for auto insurance. However, it will vary from company to company. Most insurance companies don’t look at your driving record every month, but they do when your contract is initially purchased or renewed. If you notice your renewal cost is higher than your usual rate, you can thank your speeding ticket.

The effect of multiple tickets.
While getting a single speeding or traffic ticket may not drastically increase your insurance costs, getting several in a short timeframe can create significant problems and rapidly drain your wallet. Each additional ticket after the initial one will cause a much larger increase in your auto insurance rates.

The severity counts.
While the adjustments to premiums for moving violations vary among insurance companies and the driver’s records, you can expect to see a bigger rate increase for more serious infractions.

For example:

  • Driving with a broken headlight is a low-impact ticket.
  • A citation for speeding 15 miles per hour over the speed limit can have moderate effects on your car insurance rates.
  • A DUI conviction can have severe consequences when it comes to your rates.

Similarly, if you’re ticketed for speeding, your speed matters! Motorists who are driving 15 mph over the speed limit will see tougher fines and a higher auto insurance rate than those who are caught going 5 mph over the limit. Excessive speeding is linked to higher auto accident rates, which makes you a riskier driver to the insurance company. Keep an eye on that speedometer!

Obtaining affordable and reliable auto insurance is imperative to stay safe on the roads! For all of your insurance needs, be sure to contact the professionals at Chambers & Company Insurance Brokers today.