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Posts Tagged ‘ auto insurance moorhead ’

The Most Common Car Insurance Claims and How to Avoid Them

Wednesday, February 20th, 2019

It’s essential to have a great car insurance policy in place to protect you when incidents arise with your vehicle, but if you can avoid these incidents in the first place, even better!

A good way to help prevent needing to make a claim is to know the most common reasons for making a car insurance claim and how to avoid them.

  1. Fender Benders: Among the most common car insurance claims is fenders benders, whether it involves you rear-ending someone or another minor accident with no injuries. While you can’t control what other drivers do, practicing safe driving practices is your best bet for avoiding fender benders. Leave plenty of distance between you and other vehicles, don’t drive in unsafe conditions, and follow road rules at all times.
  2. Windshield Damage: Windshields can get damaged in the blink of an eye, and a small chip can turn into a major crack before you know it. If you have comprehensive auto insurance, you’ll help protect yourself from the cost of replacing your windshield. To avoid having to make a claim for replacing your windshield, be sure to have small chips addressed as soon as possible before the entire windshield needs to be replaced.
  3. Storm Damage: Storms can come on suddenly and cause plenty of damage to your vehicle and other property in a matter of minutes. One of the most common claim types made by drivers is for storm damage to their car, often from hail or falling trees. Having a protective coating applied to your vehicle can help you avoid hail damage, and although it requires an initial investment, it can save you plenty of money in the long run. To avoid other types of storm damage, store your vehicle in a garage or other covered area as often as possible.

These are a few ways to help protect your vehicle from the common cause of car insurance claims, but be sure to have a comprehensive auto insurance policy in place for extra protection! Contact Fargo Moorhead Insurance today for information on our affordable and flexible policies.

How Does a Traffic Ticket Impact Your Car Insurance?

Thursday, September 13th, 2018

You see the flashing lights behind you and you slow down to a stop. Your first thought is how this ticket is going to cost you. Then, you think about what it will do to your car insurance rates. It seems like a losing situation all the way around.

Which Traffic Tickets are the Worst?

First of all, it’s important to know that not all traffic tickets are the same. Some have a bigger impact on your auto insurance than others. Generally, the more serious the offense, the bigger the impact. For instance, a speeding ticket will have more affect than a parking violation.

If your ticket is a criminal offense such as driving under the influence, you’ll notice a big spike in your car insurance premiums. Otherwise, don’t necessarily assume the worst.

How Much Will It Affect Your Rates?

How much it impacts rates will vary. These violations add points to your record. The more points they add, the more your rates go up. The insurance industry uses a formula to determine how much you’ll pay for car insurance. You can safely assume that it’s similar to how many points will be added to your driving record even though they are two different systems.

Multiple violations will also have a bigger impact than a single occurrence. If you constantly get tickets for speeding, they will increase your rates even if each one is for just a few miles over the limit.

Do You Have Options?

If you find your insurance rates have gone up, you might want to talk to your car insurance agent. Find out if there is a safe driver course you can take that will lower your rates. While the offset may not be equal, it can help.

Taking a safe driver course implies that you are learning to be a safe driver and won’t be making the same kinds of mistakes which led to the tickets. You’ll want to make sure you don’t get caught making the mistake a second time.

Another option you have is to fight the ticket. If you truly did what you were ticketed for, you won’t get off without some kind of penalty. However, you can find out about getting a reduced charge, especially if there were extenuating circumstances. Sometimes you can get a no-point violation, which will help your cause.

Just remember that all tickets fall off your record after some time. If you start driving defensively and avoid getting any new tickets, you’ll gradually see your rates go down. You should also know that your tickets will show up anytime you get car insurance quotes, so be upfront and honest about them.

If you want to know more about how a ticket will impact your rates or what you can do about it, you can contact your insurance agent. They will work with you to make sure your car insurance is still affordable until you can get a clean record once again.