When you get behind the wheel of your car and venture out onto the streets of Newark, NJ, you must always be in control of your vehicle. If you are driving in bad weather, you should slow down so you can maintain control of your vehicle. You should also make sure that your brakes are good and you can see out of your windows.

When you learned to drive, your instructor probably went over the importance of being a safe driver. You may not be able to control what other drivers do, but if you have control of your vehicle, you can avoid many dangerous situations. If someone cuts you off and you are alert and in control, you can avoid an accident.

Your car insurance rates may go up if you get into an accident and are cited for failure to avoid collision. When the police officer gives you a ticket, it is an indication that you may have been responsible for causing the accident. Of course, you have the absolute right to go to court and fight the ticket. At the same time, when you file a claim with your insurance company, they will investigate and come to a conclusion about who is liable for the accident.

A number of factors go into the decision by your car insurance company to raise your rates. If you have been a long-time customer and the accident was a minor one, they may not hit you with a higher premium. Being issued a failure to avoid collision citation is never a good thing. It can add points to your driver’s license and also indicate that you are not a safe driver. When you present a greater insurance risk, your car insurance rates may go up.

If you get the opportunity to borrow a friend’s car, chances are you don’t give a lot of thought to insurance. You have insurance, your friend has insurance–the car is covered, right? Well, it would be wise to familiarize yourself with some of the details of how automobile insurance works before you risk getting into a car accident with your friend’s car.

As a general rule, automobile insurance stays with the car, not the driver, so when you borrow your friend’s car, you’re driving on his insurance. This sounds great until a car accident occurs, then you have to start to worry about things like whether or not your own injuries are covered, how much the deductible is, and how long you may wait for a claim to be settled. In any case, your own insurance will be considered "secondary insurance" and may be used to cover any of the shortcomings of the insurance on your friend’s car.

There are some circumstances wherein your friend’s insurance won’t cover you at all. For instance, if you took your friend’s car without permission, it will be your car insurance that is on the line for damages from a car accident, not your friend’s. Similarly, if your friend considered you to be a questionable driver and specifically listed you as an exclusion on his policy (in states where this is allowed), you may not be covered by that policy and your own auto insurance would become primary.

If you borrow a friend’s car, their insurance is likely to be your primary coverage, but it’s best to have your own coverage just in case. If you have questions about your insurance or are in the market for new coverage, call us today. As your independent agent, we can give you the facts about car insurance and help you to find the right coverage and the best price.

Driving a classic car does not necessarily mean that your vehicle will qualify for a classic car insurance policy in Newark, New Jersey. In many cases, insurers will have strict standards that you must meet before they will cover your vehicle. The best way to get covered for a classic car is by identifying the rules that your insurer sets before you obtain coverage.

Limitations on Driving

When it comes to auto coverage for a classic vehicle, insurers may set a driving limitation to reduce the risk of an accident. Insurers may provide a set guideline for how many miles you are allowed to drive in a year.

In most cases, insurers will not offer coverage as a classic vehicle if you drive the automobile on a daily basis.

Storage Requirements

In some cases, insurers may ask that you store the vehicle in a private garage where it cannot be damaged by another individual. Some insurers may not require a private space, but may still ask that you store it in an enclosed space away from the elements.

The storage requirements may vary between insurers, so read through the details of a policy before you determine if you vehicle might qualify for coverage.

Exhibition Coverage

Insurers may offer coverage for exhibitions, but the details of your policy may vary if you take your vehicle to car shows. Depending on your plans, the insurer may require additional protection.

Finding the right insurance for your classic vehicle can depend on a variety of factors. Before you obtain a quote, make sure that your vehicle qualifies for coverage based on the insurer’s standards. Contact us to talk to an independent agent for more details about coverage requirements.

Insurance companies offer a variety of solutions to help reduce the cost of your premium, but the details of any policy and the methods of applying discounts to your coverage may vary. In Newark, New Jersey, it may be possible to reduce your premiums by taking measures to improve the security on your motorcycle.

Alarms

When you want to reduce your premium with a discount, taking steps to reduce the risk of theft is essential. Insurers may offer a reduced rate if you install security devices that sound an alarm when the motorcycle is touched or actions are taken that would signal a theft.

Unlike an auto alarm, the system on a motorcycle may not sound if the bike is touched on accident. Learn about the system before you install an alarm to make sure it is the type of system that you prefer.

Locks

Cable locks and similar locking systems may also help lower your insurance premiums while making sure that your bike is covered from financial losses.

Locks help reduce the risk of theft because it would take longer to steal a motorcycle that is locked up than one that is not. It may lower your monthly rate if you put in a lock, but each insurer is different and the devices that are acceptable for a discount may vary based on the risk assessment and the potential to deter a theft.

It is possible to lower your insurance rate if you take steps to secure your motorcycle, but the devices that are acceptable to your insurer may vary. Before you put in a new security device, find out about the insurer’s standards. Contact us to talk to an independent agent to learn more about securing your motorcycle or reducing your premium.

There are no auto insurance policies for life time in Newark, New Jersey. When you purchase an automobile insurance policy, there are many factors that go into the coverage. Your policy is based on the type of vehicle you drive, where you live, and how many miles you drive per year. Since these factors often change throughout your life time, your policy will also change.

An independent agent can help you find a great auto insurance policy that will take care of your immediate needs. Depending on the type of vehicle you own right now, you will need to determine if you need a comprehensive plan or a basic liability auto insurance plan. When you compare rates online, you can find quotes that will fit into your current budget.

As your needs change, you will need to consider changing your vehicle insurance policy. If you move away from New Jersey, you may need to find a new insurance provider. This is where our independent agent can help. You can compare the quotes online and find another policy that takes care of your needs. In addition, if you shorten your commute or begin riding the metro in NJ, you may be able to save money on your policy.

Although a life time policy seems like a great idea, you are actually better off shopping around for automobile insurance as your life changes. When working with our independent agent you can find the insurance coverage you need for the price you can afford. When you are ready to begin looking for a policy, just give us a call and let us take care of comparing quotes and rates and begin saving money today.

Purchasing an umbrella policy in Newark, New Jersey does not mean that you are covered for accidents or problems in your home. Depending on your current goals, the amount of auto insurance and homeowner’s coverage that you need will vary. Regardless of the details, an umbrella policy is not enough to handle every situation that may arise.

What is an Umbrella Policy?

An umbrella policy is a type of protection plan that provides supplemental coverage in case you a sued for liability. It is not designed to pay for all of the costs or for issues that are not related to liability, such as repairs to your vehicle after a hail storm or a similar situation.

The plan is designed to protect your finances if you are involved in an accident and your basic coverage does not pay enough to handle all of the costs. It can be applied to your vehicle or your house, depending on where you are worried about losing funds.

Finding the Right Plans

Since an umbrella policy is a supplemental insurance solution, it is not appropriate to give up your auto and home coverage. If your current policies are not appropriate for your goals or needs, then it may be necessary to look for a new plan. Finding the right policies for your car or house will depend on your goals, concerns and the amount of coverage that you want.

It is not enough to obtain an umbrella policy and hope that it will work well. The plan is designed to protect you from financial liability in excess of your car or house coverage. Contact us to talk to an independent agent to learn more about protecting your assets.