Tag Archive for: vehicle

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.

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.

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.

6 Things You Should Never Do to Your Car!

Things You Should Never Do to Your CarTreat your car with care and avoid doing these things to your vehicle!

For most people, their car is their lifeline. As one of the most expensive items people own and often the first big ticket purchase, people want to protect their car and keep it on the roads for as long as it can.

However, it’s easy to get complacent when driving and many motorists can start to develop bad habits and neglect their vehicle. Here are the top six things you should never do to your car!

Rev your engine to warm it on cold days. The myth of warming your car started in the days of carburetors, which did need some warming. However, with new gasoline vehicles, most manufacturers recommend starting your car and driving it ‘softly’ to prevent extra wear and tear.

Go more than 3 months without an oil change – or 6 months for synthetic oil. The oil in the car lubricates those thousands of components in your vehicle, allowing it to run smoothly and efficiently. When the oil is left for too long, it can thicken and can cause more damage to the car.

Continue to drive your car when it’s overheated. If you do so, you’re potentially causing all sorts of damage to your engine that you don’t want to deal with. It not only becomes a safety issue, but it can hurt you financially.

Ignore a tire pressure warning. This easy fix (refilling your tires’ air pressure) can save you a lot of inconveniences, time, and money. Ignoring this warning can increase your braking distance, cause uneven wear on your tires, and waste fuel by uneven driving.

Ignore check engine and warning lights. These light notifications are for the driver to be warned that something is wrong. Therefore, ignoring these warnings can put you in a world of hurt when something bad happens down the road. Taking your car in to get evaluated is a lot safer than breaking down when you were already warned.

Run on empty. In general, most cars will have two gallons left when their indicator reaches empty. However, running on empty can cause problems with your gas pump. The fuel pump relies on gasoline to keep it lubricated and cool, therefore running out of fuel can cause your gas pump to fail.

Protecting your car is doesn’t fall entirely to you; quality auto insurance can protect you through every pothole down the road. For a tailored motorist policy, contact Chambers & Company Insurance Brokers in California today!