Separating Myth From Fact for Auto Insurance

Auto Insurance Agency Roseville, CA

Auto Insurance Agency Roseville, CAWhen it comes to purchasing auto insurance there are many myths that exist. Let’s take a closer look at some of these myths and help you understand why they may not be true.

Auto Insurance Is More Expensive For Men

If you have two individuals of the same age who live in the same town, one male and the other female, it is not true that the male will pay more for his insurance. In fact, there are many variables that come into play when an insurance company determines premium. Some of those are:

  1. Garaging Zip Code
  2. Driving history
  3. Credit report
  4. Loss history
  5. Education level
  6. Type of vehicle
  7. And many more!

To find out what your premium might be, the only way is to get a quote. Compare companies and coverage options that you need by talking to an independent agent. We can compare many companies side by side.

Older Cars Cost Less To Insure

Not true. For instance, your personal injury protection will likely be less on a newer vehicle because it is equipped with more safety features to aid you in the event of an accident – meaning you’re more likely to be injured in an older vehicle without airbags for example. However, insurance costs for comprehensive and collision coverage do tend to go down the older a vehicle gets because it is simply worth less money.

If someone borrows your car, they are responsible for the insurance.

In most states, insurance follows the vehicle. It is called “permissive use.” If you give someone permission to drive your vehicle, you’re also essentially giving them permission to use your insurance. Now, be careful here because if someone is in your household and not listed on your insurance policy and has regular access and use to your vehicle, you may find yourself in a tricky claims situation because that person should be listed on your insurance policy.

I have an auto insurance policy so it will cover me when I’m delivering food or working for a rideshare company.

If your job requires you to deliver food using your own vehicle or you work part time as an Uber or Lyft driver, you need a special insurance policy. Typically an endorsement to your regular auto insurance, this provides coverage for you while you’re using your vehicle for work related purposes.

Your friend pays less for their insurance than you do so that means you’re paying too much.

Insurance is specific to the driver, their history, vehicle, garaging zip code, usage and so many other factors. There are hundreds of different scenarios that can be calculated to determine your auto insurance premiums. Just because your friend pays less for a similar car, does not mean you’re overpaying.

If you ever want to know if you’re paying too much or want to know all your options for auto insurance, call us! As an independent insurance agency, we have many choices for insurance. Oftentimes we can share with you the insurance premiums of up to 10 different insurance companies in the same time it takes to do a single quote. Trust us to find you the best rates and service for your specific situation. We can also help you dispel other myths that exist with insurance premiums.

5 Ways to Increase the Longevity of Your Car

Auto Insurance Agent Roswell, CA

Auto Insurance Agent Roswell, CAPurchasing a car is a big investment. Some people keep cars for 10+ years, while others trade them in only after a few years of driving. Either way, taking pride in your vehicle and keeping it properly maintained is crucial for increasing the longevity of your car. Here are five key tips to keeping it maintained properly.

Wash Your Car Often

Some people are great at keeping their car clean, while others may let it go until someone writes “Wash Me!” on the window. Keeping your car clean is crucial for resale/trade in value because contaminants like dust, pollen, tree sap, bugs, bird droppings, salt and more damage your paint and finish.

Heat, rain and air pollution can also affect the longevity of your paint and finish.

When should you wash your car immediately? If newly splattered bugs, bird droppings, and tree sap appear on your car. If you have a long commute to work each week, consider washing it weekly since dirt, pollen, gravel or air pollutants can have an impact on your car’s paint.

When to wash your car 1-2x a month

If you have mild weather, if you don’t drive your car much where it wouldn’t be exposed to tree sap, bugs, and bird droppings or if your car stays in a closed garage most of the time.

Fill The Gas Tank Before It Gets Too Low

Gasoline can act as a coolant for your electric fuel-pump motor. When your gasoline level is very low, the pump sucks in air, which can create heat and cause the fuel pump to work harder. There is a chance the fuel-pump motor could wear prematurely or fail if you always drive your car when it’s near empty.

Don’t rely on your car telling you how many miles are empty. When your tank is ¼ full, fill it up.

Check The Air Filter

Look to replace your air filter once a year or every 20,000 miles. It’s fairly inexpensive and can actually benefit you by increasing your fuel efficiency, reduce emissions and prolong your engine life.

Check the Fluids

Fluids play an important role in your engine and car health. While most of us leave it to the professionals to check the different fluid levels, there are some you can do yourself on a monthly basis.

Check your windshield wiper fluid. Your windshield wiper fluid reservoir is typically a large, white plastic container with a windshield wiper image on it. You can always check your owner’s manual to make sure it’s correct. If the fluid level is less than the line shown or less than three quarters full, fill it up.

Check your oil. Once you’ve found your dipstick, pull it all the way out and wipe the end. Then, reinsert the dipstick. When you pull it out again, see where the oil level lines up on the line. It should be near the full line. If it’s not, add more oil.

Replace the Fuel Filter

Your fuel filter catches particles, debris and impurities in your gas tank before the fuel reaches the pump. This makes sure only clean gasoline reaches your engine. You want to avoid any debris clog up over time. Replacing your fuel filter may be different depending on the on the car and what the manufacturer recommends.  Check your owner’s manual to find out the timeline for your vehicle and leave this one to an expert unless you’re especially handy.

While we can’t help you maintain your vehicle, we can find you great rates on your truck and auto insurance.

The Benefits of Buying Your Insurance Through a Local Agent Vs. Online

California Truck Insurance Agency

California Truck Insurance AgencyThere are many ways these days to buying an insurance policy. Some people may feel the easiest way is to simply go online and purchase it yourself. You could even shop many carriers yourself to find the best rate for the coverage you need. However, there are many more additional benefits you could gain by going through a local insurance agency.

Save Yourself Time

As we mentioned above, yes you could shop for insurance yourself through several of the top insurance carriers. But, what is your time worth? By shopping with a local insurance agent, we can do the shopping for you. Get 10 quotes or more at once! We’ll provide you many choices by shopping our top insurance carriers to find you the best coverage at an affordable price. In fact, many of our companies are likely the big ones you’ve heard of. If for any reason you want to change insurance carriers down the road, we can do that for you – you don’t need to change agents.

Get Professional Advice

Instead of guessing what coverage you might need, you can get professional advice by working with a local insurance agency. Since we specialize in this field, we can listen to your needs and find the right coverage that matches. We can also ensure you don’t have any gaps in coverage in the event you have an insurance claim.

Truly Understand The Coverage You Are Buying & Additional Coverage Options Available

Insurance can be complicated. We try to simplify the process. Not only do we want to help you understand your current insurance policy, but help if you are interested in different coverage options. Feel confident knowing you’re informed about exactly the coverages you have and what you might want to consider.

Score a Discount

Our licensed agents are discount detectives. Let them search for all the hidden discounts so you get the best rates and coverage for your money. We understand it is important you have affordable insurance coverage. That’s why we are constantly looking for ways to get you to qualify for a discount. If you are unhappy with your insurance plan at renewal, we can look at coverage options through other carriers to find the best fit for you.

Have a Relationship With Your Agent Vs. Calling an 800 number

We are a phone call or email away. By working with the same agency time and time again, we can help you with anything. From claims, to policy updates or questions, we strive to be a partner you trust and can rely on.

If you are in need of an insurance policy, call Network Truck Insurance Services, Inc. We can help you find affordable coverage for your trucking insurance, dump truck insurance, owner operator insurance or business insurance. Get a free insurance quote today.