Although having a solid auto insurance policy in place is important, your first line of defense should always be learning better ways to prevent accidents from happening in the first place. Here at E.S.T.I.R. Inc, serving Bloomfield, NJ, and the surrounding areas, we are committed to helping clients stay safe on the road. Keep reading to learn more about how tire pressure can affect your car’s safety. 

Tires and Safety 

Because your tires are the contact point between your vehicle and the road, the condition of your tires is of the utmost importance. You need always ensure that your tires are in the best and safest condition to keep your vehicle steady when traveling. Ignoring tire maintenance can lead to serious safety issues with your car. 

Overinflated Tires

When tires are overinflated, it can increase the risk of blowouts. A blowout takes place when a tire explodes while driving. This can create a very unsafe situation for you and other drivers on the road. It is straightforward to lose control of your vehicle during a blowout. This might cause you to hit another vehicle or object. 

Underinflated Tires

Underinflated tires are also a safety risk. When the tires are underinflated, you will not have the same type of control of the vehicle as when the tires are properly inflated. Riding on underinflated tires is also damaging to other aspects of your vehicle as well. 

Proper Inflation 

The proper amount of inflation will vary from vehicle to vehicle. Each vehicle will provide the recommended PSI for that vehicle, usually printed somewhere on the vehicle. You can easily look up the information online if you can’t find it on your vehicle. 

If you want to learn about our auto insurance services, please get in touch with us at E.S.T.I.R. Inc., which serves Bloomfield, NJ, and the surrounding areas. 

If you own a car and drive regularly, it is also essential to have car insurance. It protects you if you get involved in a car accident, or something happens to your vehicle. There are many auto insurance types, so deciding which one you need can be challenging. Let’s take a look at the most common types of car insurance: 

Types of Auto Insurance Coverage

• Collision coverage. It covers the damage to your car if you hit another car or object. If your vehicle is totaled, collision coverage will cover the value of your car. This type of coverage is mandatory for everyone who has a lienholder. 
• Comprehensive coverage. While collision coverage covers road accidents, comprehensive coverage covers situations unrelated to a covered accident, such as vehicle theft, weather damage, or hitting a deer. 
• Liability coverage. This coverage will help you if you are involved in a car accident and your actions cause this accident. This type of auto insurance will cover property damage and medical bills from resulting injuries. 
• Bodily injury liability. This type of insurance protects you against financial loss if you hurt someone in a car accident. For example, if you run a red light and hit a person crossing the road, this type of auto insurance will pay for the medical treatment of an injured person. 

E.S.T.I.R. Inc. – an Insurance Agency in Bloomfield, NJ Known for Excellence and Experience

Are you shopping for car insurance to protect your vehicle and yourself? Do not hesitate to contact E.S.T.I.R. Inc. – an insurance company in Bloomfield, NJ that has been in business since 1999. Our company specializes in different types of insurance, including commercial, home, and auto insurance. If you have any questions about insurance types or need help choosing the best insurance plan for you, feel free to contact us. 

Winter weather can bring rainstorms with it. Unfortunately, the number of car accidents increases when it rains, as roads are slick. At E.S.T.I.R. Inc., providing residents in the greater Bloomfield, NJ area with auto insurance, we want to help you stay safe while driving in the rain.

Here are a few tips you should keep in mind if the weather forecast calls for rain in your area. 

Make Sure You Have Enough Tread on Your Tires

Before you head into the rainy season, it is always recommended that you check the tread on your tires and ensure enough tread. If your tires are worn, you are more likely to slip and slide on the road during a rain storm. Replace your tires as needed to help prevent this issue. 

Replace Your Windshield Wipers

It is also recommended that you check your windshield wipers before the rainy season and replace them if needed. You want to ensure your windshield wipers can remove rain without smudging or smearing it, helping you to see the road clearly. 

Drive Slower Than the Posted Speed Limit

Lastly, slow down when you are driving in the rain. Going a little bit slower can help you avoid accidents when driving in wet, slick, or icy conditions. 

All of the above tips will help you to stay a bit safer when you are driving in the rain. However, you cannot prevent every car accident from happening. This is why having auto insurance is so important. The right policy covers you in case the unexpected happens. If you are looking for a new auto insurance policy, the team at E.S.T.I.R. Inc., serving the greater Bloomfield, NJ area, would love to help you. Call us now to discuss your auto insurance needs and the type of coverage that is right for you. 

Auto insurance is an essential purchase for anyone who owns a vehicle. Not only is it required by law in many states, but it can also save you from financial ruin in case of an accident. But what exactly does auto insurance cover? This blog post will look at the different types of coverage and what they mean for you. Whether you’re a first-time buyer or simply looking to switch providers, this is everything you need to know about auto insurance.

Collision Damage

Most people are familiar with the basics of auto insurance, but many different types of coverage are available. One of the more essential types of coverage is collision damage. This protects you financially if you’re in an accident and your car is damaged.

Collision damage can be expensive to repair, whether a fender bender or a serious wreck. That’s why having collision coverage can be so important. It can help you avoid having to pay out of pocket for repairs. If you have an older car, collision coverage may not be worth the cost. But it’s definitely something to consider if you have a newer car. Talk to your insurance agent about whether collision coverage is right for you.

Property Damage

Another important type of coverage is property damage. This protects you if you damage someone else’s property in an accident. For example, let’s say you’re in a car accident and hit a building. If the building is damaged, your property damage coverage will help pay for the repairs.

Property damage also includes other people’s property, their cars, or homes, that are damaged in an accident that you are involved in. If you are at fault for an accident, your auto insurance will pay for the damage you caused. If you are not at fault, your insurance will still pay for the damages, up to a specific limit. Sometimes, you may have to pay a deductible before your insurance pays for the damages. Depending on your policy, property damage coverage may also cover rental cars, towing charges, and other expenses.

Vehicle Theft

If your car is stolen, your insurance will cover the cost of replacing it. In most cases, the insurance company will reimburse you for your car’s actual value minus any deductible. Some policies also provide coverage for personal belongings in your vehicle at the time of the theft.

To collect a vehicle theft claim, you will need to file a police report and provide your insurance company with a copy. If you have any questions about what is covered by your policy or if you need to file a claim, be sure to contact your insurer.

Now You Know What Is Covered by Auto Insurance

We hope this blog post has helped you understand the different types of coverage available. Remember, auto insurance is essential, so shop around and compare rates before you buy. And if you’re looking to purchase auto insurance in Bloomfield, NJ, be sure to contact E.S.T.I.R. Inc. We’re here to help you find the right policy for your needs.

In New Jersey, many different types of insurance coverage are required to be in your auto insurance. Every vehicle owner must have auto insurance in the state, and the state has a no-fault system. This means that there are many rights to sue over damages that are not there. In this no-fault state, your insurance will pay for your injuries until you reach your maximum limit, no matter who was the cause of the accident. Call us at E.S.T.I.R. Inc. in Bloomfield, NJ, if you need auto insurance.

Require Coverage Types

Several coverage types are required, and even more, different amounts are required to be included in every policy. Bodily injury coverage is needed, and two amounts are required for it. The first is a certain amount of coverage for one person who becomes injured in an accident, and the second is a higher specific amount required for everyone in the accident who was injured. There is also a small amount required for property damage liability. Different amounts are required for this coverage if you are in an accident with an uninsured motorist. There is an amount for one person injured and another for everyone injured. Insured motorist property damage coverage is also needed, and the deductible for that coverage has a specific mandated amount. 

How Much Coverage?

In New Jersey, the amounts required for minimum coverage are tiny compared to most other states. It’s often recommended that you get more than the mandatory minimum to be well-covered in case of a severe accident. 

Cover Your Vehicle

Don’t go without auto coverage. If you don’t yet have the auto insurance you need, call us at E.S.T.I.R. Inc. in Bloomfield, NJ.

If you own a car in the Bloomfield, NJ area, you will likely know that you need to have a proper insurance policy. With the right insurance, you can protect your car, stay in compliance with any obligations, and reduce your liability risk. There are various tips that you should follow that can help ensure you pick the right insurance plan for your situation. 

Consider Needs 

A vital factor to consider as you are looking for coverage is to assess your needs. All people are going to have different auto insurance needs. For some people, having a full collision and comprehensive plan is necessary to protect their vehicles. For others, having just a liability plan is acceptable. It is crucial that you consider your insurance obligations and needs when building your plan.

Deductible

An insurance deductible is the amount of money you have to spend out of pocket before the company will pay for a claim. Generally, the higher the deductible, the lower your premiums will be. However, if you file a claim, you will have to spend more money if you have a higher deductible. It is vital that you properly consider the right deductible for your situation and ensure you keep the right amount of money aside if you need to file a claim. 

If you are looking for a new insurance plan for your car, you will want to speak with someone you can trust. Those residing in the Bloomfield, NJ area will find that E.S.T.I.R. Inc. is an excellent resource for all of your auto insurance needs. When you call E.S.T.I.R. Inc., they can help you evaluate all of your options and needs when choosing your next insurance policy. 

The folks at E.S.T.I.R. Inc. want to make sure that the greater Bloomfield, NJ community residents have the insurance protection that they need. If you aren’t sure if your auto policy provides all of the features and benefits you want and need, call us today. We can review your current policy for completeness and ensure that you have a policy that’s right for you.

Are you enjoying this safe driver benefit?

Having a safe driving record is a great accomplishment, and several insurance providers want to reward safe drivers. If you have a stellar driving record, it’s time to enjoy the available benefits! The safer the driver, the less likely they will file an insurance claim. This helps to save insurance companies money, and they want to encourage safe drivers to stay with them.

You can enjoy rewards like decreasing premiums if you have a clean driving record.  As your safe driving record grows longer, your insurance premiums will start to go down. It is even possible to have a zero-dollar premium with some companies! Who wouldn’t love to have insurance coverage without paying a premium?

Want to find out more? Give your local insurance agent a call, and they can help you enjoy this great feature as long as your driving record continues to be free of any accidents or mishaps. This is a great benefit to have.

You can count on us!

Bloomfield, NJ area residents turn to E.S.T.I.R. Inc. for their insurance needs. If you would like to find out more about our policy options in our area, give us a call or stop by our office today!

When searching for automobile insurance, you may be confused by all of the terms, and what they cover. The most basic plans only cover liability, which will cover medical bills. It doesn’t cover any repairs to your vehicles.

If you want more protection, you may want comprehensive automobile insurance. Here are some reasons why you should. 

Your loan may require it. If you have to take a loan out to purchase your vehicle, they may require comprehensive insurance. They want to make sure that they aren’t going to lose money on your vehicle if something happens to it. 

You may want to have comprehensive insurance if you can’t afford to replace your vehicle. If your vehicle is a high-end vehicle, you are going to want comprehensive insurance, so you don’t have to replace it if something happens. 

Comprehensive insurance covers damage that may occur that is not due to a car accident. It covers damage due to vandalism, theft, and even rodents. It covers weather damage, such as hail, floods, and fire. If you live in an area where accidents with deer are common, you may want comprehensive insurance to cover the cost of repairs. 

If you are trying to figure out how much insurance you need, you may not have a choice. Your lender may require comprehensive insurance. You may also want to think about it if your vehicle is more expensive than most. You aren’t going to want to have to take out a loan in order to fix your vehicle. 

If you want to make sure that you are fully protected, don’t hesitate to contact us today at E.S.T.I.R. Inc. in Bloomfield, NJ.

Most people in the Bloomfield, NJ area are going to find that vehicle ownership is a good idea. With a car, you will have an easier time getting around the community and handling your personal responsibilities. If you are going to look for a vehicle in this area, spending time assessing your insurance needs is also important. There are various situations when getting this coverage will be necessary.

When Driving a Car

If you intend to drive a car on a public road when you are in this area of New Jersey, you are going to need to have auto insurance protection. This state requires that all motorists continue to carry liability insurance protection when they go out on a public road. With this support, you will have protection and coverage if you cause damage in a collision. If you don’t carry it, you will still be responsible for damages and will be in violation of state law.

When Financing a Vehicle

You also need to get this coverage if you want to finance your vehicle. Taking out auto loans is a good idea for a lot of vehicle owners. When you decide to take out a loan to buy a vehicle, you need to understand your insurance requirements. Most of the time, you will need a full plan with comprehensive coverage. 

Any vehicle owner in the Bloomfield, NJ area will want to know that they have the right auto coverage in place. If you want to get an insurance plan in this area, you would benefit greatly by calling the team with E.S.T.I.R. Inc. The insurance team with E.S.T.I.R. Inc. understands the benefits of this coverage and can help you identify your needs. This will be a great first step when it comes to building your next auto insurance plan. 

While every state has its own mandated coverage minimums for auto insurance, New Jersey’s laws are unique. The state allows for residents to have one of two different kinds of insurance policies. These are the basic policy and the standard policy. This can make it a bit more complicated to choose your auto insurance policy, but you can talk to an insurance agent about the choice. Just give us a call at E.S.T.I.R. Inc. in Bloomfield, NJ.

The Basic Policy

If you choose a basic policy, it will have smaller minimums than the standard policy. With a basic policy, you don’t have any bodily injury liability coverage, but there is some available if you want to add it to the policy. The basic policy has a small amount for property damage liability, paying for the damage you to do other people’s property. With a basic policy, you can’t add anything to this amount. There is a set amount in a basic policy for personal injury protection. This is payment for any injuries that you receive in an accident. This amount can’t be added to. Uninsured motorist coverage is not available with the basic policy. There is also no collision or comprehensive coverage, though it’s possible to get this added to the policy.

The Standard Policy

One of the biggest differences between a basic policy and a standard policy is that the standard policy allows you to add coverage onto the state-mandated minimums. A standard policy has bodily injury liability coverage for one person who is injured in an accident and a higher amount available for all those who are injured. You can add to this coverage as much as you see fit. Standard policies also have a small amount of property damage liability, and you can add to that as well. Uninsured motorist coverage isn’t required, but it is available if you want it. Comprehensive and collision coverage are also not required but available. 

Cover Your Vehicle

To get your auto policy, call us at E.S.T.I.R. Inc. in Bloomfield, NJ.