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Do Parking Tickets Affect Car Insurance Premiums?

parking ticketThis is a question many car insurance agents get.  The simple answer is no, unless you forget or neglect paying them.

Car insurance premiums are based mostly on risk. Numerous factors come into play for each auto insurance company to determine just how risky an individual may be.  Parking tickets aren’t necessarily considered “risky” infractions because they typically do not pose a threat to other drivers or property.  This is why parking tickets do not have a direct affect on how much you’ll have to pay for auto insurance.

Your insurance company will likely never pay for one of your parking violations, and you’ll have to deal with it out of pocket.  If you fail to pay your parking tickets over time though, it could indirectly hurt your chances of getting the best rates for car insurance.

If you fail to pay parking tickets there are many states that will suspend your license or registration.  Showing a suspended license or registration on your history could pose a threat to getting the lowest insurance premiums.  After your registration or license is suspended, if you choose to drive anyway and are caught, you’ll have to deal with even harsher consequences.

Long story short, pay your parking tickets in a timely manner!  If an insurance company or agent tells you they are going to charge you a high rate because of your past parking or non-moving violations, shop around!  Our agents are readily available to find you the best rate… period!

Reasons to Increase Your Homeowner’s Liability Insurance

A typical homeowner’s insurance policy in Washington has $100,000 for liability coverage.  For many homeowner’s this amount is sufficient and they will most likely never need quite that much, but for others, $100,000 doesn’t even scratch the surface.  Depending on how risky your home is, you may want to consider getting more coverage.

If an accident happened on your property the cost to cover medical bills, lawyer fees will start to add up quickly.  Suddenly that $100,000 liability coverage is eaten up and you’re going to have to start paying out of pocket.

If any of these applies to your and your home, you may want to consider upping your hazard liability coverage:

Yellow Lab Lying by Empty Food DishYou have a dog

It has been reported that over 5 million people are bitten by canines in the US every single year.  Many of these bites require medical attention.  Most of the time, dog owners are required to pay the bills for these accidents.  There are certain breeds of dogs that are more prone to bites, and if yours is one of them, you should consider getting more home insurance coverage.

Father and Daughter Swimming UnderwaterYou have a pool

If you have a pool you are probably the most popular home on the block, but you may also be the most accident prone home on the block too.  Death by drowning is the #2 cause of accidental deaths for kids aged one through fourteen.  Besides increasing your insurance coverage, you should also consider building a fence around the pool or keep it covered or drained when not in use.  

You own a Trampoline

Another fun and popular item many homeotrampolinewners have is a trampoline.  While these affordable and fun backyard fixtures can attract a lot of friends, it also can cause multiple injuries.  On average, around three thousand people each year are hospitalized from trampoline induced injuries.  If you own one, consider the costs of medical bills from others getting injured.

It’s important to asses your property each year.  Think about the possibilities for injury and if you’re not willing to part with these items, talk to a qualified home insurance agent about upping your liability insurance coverage.

Benefits of Business Insurance in Washington and Oregon

No matter what type of company you have, you can benefit from a solid commercial insurance policy. Whether you’re a mom and pop store or a large nation wide company, business insurance can help protect your business assets.

Commercial insurance protects assets and revenue and is even required for most business in many states across the nation.  There are different forms of business insurance, and coverage amounts can vary from one business to another.  Your business may not need as much coverage as the company across the street. Both businesses, however, need some type of insurance policy to protect them from unforeseen situations.

Business liability insurance is probably the most important type of commercial insurance for business owners in the Washington and Oregon area to have.  Liability Commercial Insurance protect businesses from suffering from accidents that happen at their location.  This could include customers getting injured in your store, or if an employee makes a costly mistake or slander.

Another type of business insurance is commercial auto insurance.  This type of insurance helps cover the costs of damage if a business vehicle gets into an accident.  Depending on your business auto insurance policy, it can even cover damages from theft, fire, or vandalism to company owned vehicles.

With today’s ever changing business market and consumer habits, having the right commercial insurance policy is necessary for business owners to keep peace of mind while operating their businesses on a day to day basis.  As always, it is best to talk your commercial insurance needs over with a qualified and experienced business insurance agent to make sure you get a policy that meets your business needs and expectations.

Reduce Your Accident Risk – Drive Defensively

Car accidents typically increase auto insurance costs for everyone. They can have a negative impact on the United States economy and of course, our moods.  If every driver in the US learned to drive more defensively, the number of accidents each year would drastically decrease.

Most Accidents are Preventable

Defensive driving tactics help drivers reduce risks and avoid potentially dangerous situations.  Here are some defensive driving tips experts have come up with:

  • Stay Aware:  Visualize everything in your path.  Keep your eyes open and focused on the road and surroundings.  Check all of your mirrors regularly and anticipate any future problems or dangers.  Keep your eyes focused ahead, anticipating what is to come.  Give yourself time to react to other motorists, animals, pedestrians and bicycles.
  • Focus:  Be present in your current task…Driving!  Avoid distractions and keep focused on what you are doing.  Keep safety as your #1 priority for yourself, your passengers and other motorists.
  • Plan Ahead:  Always have a backup plan.  If something were to happen in front of you, keep an option open for an escape route.  Do not follow other drivers closely so you have plenty of room to explore other options.  Never tailgate, and always leave room for a backup plan.
  • Check Your Speed:  Depending on weather and traffic conditions, match your speed to what is safe and what the legal posted limit is.  If the weather is icy or wet, leave extra space between you and the car ahead to give you more time to stop or react.

Remember when you’re driving out there that you can help prevent accidents happen.  This can help you keep your auto insurance rates down and help stimulate the economy in your area.  Remember to be safe and always follow your state’s driving laws.