Tag Archive for: auto insurance

Effect of Your Relationship Status on Auto Insurance

Married people are generally more responsible drivers than single ones. Statistics show that married drivers are involved in fewer motor vehicle accidents and related injuries than single people. As a result, getting married can lower your vehicle insurance costs. Besides, married drivers get more discounts from most auto insurance companies.

Do married people pay lower car insurance premiums?

Getting married can have a significant impact on your auto insurance costs. Car insurance rates are generally lower for married couples than for single individuals. When people get married, many car insurance companies give them a discount on their policies. The specifics may vary according to company and state, but on average, married insured pay 4% less than single insured, with some states paying up to 10% less.

How much does a single driver pay for car insurance?

Car insurance is normally more expensive for single drivers than for married drivers. Married drivers are often seen as more financially secure and risk-averse, hence pay lower rates than single drivers. Single drivers in the ten largest U.S. states pay an average of $123 more per year for full coverage auto insurance than married drivers.

How does car insurance change after a divorce?

When a marriage ends, couples can spend a lot of time and effort dividing up their assets, belongings, and even the cars they own together. To gain exclusive control of the car, you may need to reassess finance agreements with the dealership, and your car insurance policy will certainly be affected by the divorce. Divorce and car insurance can be difficult to navigate when the policy is based on joint ownership along with other factors, such as

  • Insurance costs
  • Legal considerations
  • Other drivers on the policy
  • Vehicle registration and title

Therefore, the effects of getting divorced on your auto insurance depend on the divorce order or the agreement you and your spouse reached, among other factors. Although each divorce is unique, car insurance is handled rather quickly once the divorce is finalized.

Car insurance for widowed drivers

Between married and widowed drivers, there is the least difference in premiums. Widowed drivers pay an average of $50 higher than married drivers. This, like other marital statuses, has to do with a widowed client’s risk profile. While not as risky as a divorced or single driver, a widowed driver is statistically more likely than a married driver to be involved in an accident and file a claim. Thus, a higher premium is charged from a widowed driver.

These are a few things that you need to know about how your relationship status can affect your auto insurance premiums. Contact our agents at Chambers & Company Insurance Brokers today to find out how we can help you get the best auto insurance coverage.

An Overview of How to Find the Best Auto Insurance Policy in California

Auto insurance helps keep you safe while on the road. However, searching for auto insurance coverage can be complex. There are a lot of factors that go into finding the right policy. This guide will help you find the best auto insurance policy in California.

Driving can be unpredictable at times due to ever-changing road conditions and the behavior of other drivers. You must be alert at all times because an accident can happen at any moment. Auto insurance includes collision coverage that protects you if your vehicle hits another vehicle or an object. You can also opt for more comprehensive coverage. Comprehensive coverage protects your vehicle if it is vandalized or suffers damage from a flying object or inclement weather, as well as potential theft.

Why Do You Need Auto Insurance?

Auto insurance provides multiple benefits to help you live a more comfortable lifestyle. For starters, driving without insurance is illegal. Driving without insurance can lead to you losing your license and possibly having your vehicle impounded.

Auto insurance helps you protect your assets and maintain a sense of financial security. If you are involved in a serious collision, you may be responsible for thousands of dollars worth of damage if you don’t have insurance. Perhaps strong winds uproot a large tree and that lands on your vehicle. Without auto insurance, you could face financial strain as you figure out how to pay for the damages.

If you are held liable for an accident, you are responsible for the injured party’s medical bills. If they suffer a severe injury, your assets may be at risk. Auto insurance gives you a safety net even when you are faced with horrible scenarios.

Auto Insurance Requirements in California 

As you look for the best auto insurance policy coverage in California, make sure that you are aware of the minimum requirements in the state. Stop by the Department of Motor Vehicles (DMV) or check online to see a list of minimum coverage required by the state which includes:

  • Bodily injury liability coverage
  • Property damage liability coverage
  • Uninsured motorist bodily injury coverage
  • Uninsured motorist property damage coverage

Auto Insurance Discounts in California 

Before you choose an auto insurance policy in California, make sure that you research discounts.

  • If you have a history of safe driving, you may qualify for a discount that can save you 5-10 percent on your annual premium.
  • If you only drive your vehicle on limited occasions, you may qualify for a low mileage discount or a pay-as-you-go coverage.
  • You may also qualify for a discount if you are a homeowner or a student with a strong academic record.
  • If you are registered with a notable automobile association, you can automatically qualify for special discounts.
  • Contact the DMV to see if you qualify for California’s Low-Cost Auto Insurance Program. To be eligible, you need to have a vehicle with a cash value under $25,000 and an income below 250 percent of the poverty level.

Things to Consider When Searching for the Best Auto Insurance Policy in California 

Consider the age of your vehicle. If you are driving an older model vehicle, it may not benefit you to get some types of coverage. Your policy needs will be different compared to someone who has a brand-new car. You must consider the financial aspect as well. If you’re trying to stay on a budget, that may impact the type of coverage that you can afford.

Remember that your deductible is a big part of your auto insurance policy. You are required to pay your deductible before your insurance coverage handles the situation. The higher your deductible is, the lower your monthly premium. Look into third-party coverage. Third-party coverage provides benefits for third-party damages. In some cases, a third-party plan is more beneficial than a comprehensive plan.

Research the renewal and claims process. Thoroughly check your policy’s claims process to ensure that it meets your needs. Look over the renewal process. You should be able to renew your policy without any difficulty.

Riders 

Another significant aspect of choosing the best auto insurance policy coverage is finding the top riders. Insurance riders are extra coverage that you can add to your policy for added customization.

  • Waiver of Depreciation: This coverage outlines that no depreciation will be considered regarding your new vehicle for a specified period.
  • Rental Car Service: This coverage mandates that you will have access to the use of a rental car while the damages to your vehicle are repaired.
  • Roadside Assistance: This coverage ensures that you’ll receive urgent service if you are on the road and your vehicle is in trouble. You can receive emergency towing service, have your battery receive a jump start, or have your gas tank filled up.
  • Loss of Valuables: This coverage gives you the ability to file a claim if some expensive valuables such as a stereo system.

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

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.

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.

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.