Choosing The Lowest Insurance Cost Likely Isn’t Your Best Plan

We’re flooded daily with insurance commercials claiming that shopping with them will get you the lowest insurance premiums of any company out there. Saving money on your insurance is important, but the lowest insurance premiums are usually accompanied by the lowest insurance coverage.

Determining what insurance coverages you need is something that only a qualified local insurance agent can help you decide. We care more about you being covered adequately than simply giving you the cheapest premiums.

Do you need the auto insurance coverages below? Discuss with us & we’ll help determine what makes the most sense for your personal needs.

Collision Coverage: protection for your car from damage whether at-fault or not. Premiums weigh heavily on the value of your vehicle.

Comprehensive Coverage: pays for damage to your vehicle from things such as contact with an animal, fire, theft or vandalism.

Medical Payments: Commonly known as MedPay or PIP, this covers medical bills as a direct results of an accident regardless of fault.

Uninsured Motorist: Coverage for being involved with an uninsured driver. Both physical damage (your car) and bodily injury are offered.

Underinsured Motorist: Coverage to help cover a gap from a motorist who has insurance, but not enough to cover the loss.

When deciding on what coverage options to have, take these situations into account:

Scenario 1: You purchase a low cost, low coverage liability policy with only $25,000 in Property Damage. You rear-end a new, two week old Toyota Camry totaling the vehicle. The Camry’s replacement cost is $35,000. You have to pay $10,000 out of pocket.

Scenario 2: You are t-boned by an uninsured motorist and have extensive medical bills in excess of $50,000. You do not have uninsured motorist coverage or personal health insurance and your auto medical payments only cover the first $10,000. You have to take the uninsured driver to court to pay your $40,000 in medical bills, in the meantime, you’re responsible for the $40,000 in bills.

Regardless of whether you’re shopping for a new auto, truck, boat or motorcycle insurance policy if you want the lowest insurance premiums you should be aware that you’re usually lowering the amount of insurance coverage you have. Depending on your situation, this may not be a wise decision because it puts your financial future at risk by carrying low limits. As always, reach out to our insurance agency with any questions.

Customized Vehicle Insurance For Your Car, Truck or Motorcycle

Customized Vehicle Insurance Roswell, CAA lot of people take great pride in their vehicles and for them it isn’t only an asset, it is something that expresses their individuality. But, if you’re customizing a vehicle, whether it be a car, motorcycle or ATV, you want to make sure that your insurance policy covers the custom parts and equipment as well as the modifications and labor that might be going into it.

Lifted Vehicles

For those of us who have owned or currently own a lifted truck or SUV, they’re a lot of fun! Not only are they more capable off-road, but you get a higher vantage point for visibility and driving them can add to your enjoyment of owning the vehicle altogether. However, be sure to let your insurance agent know that you have a vehicle with modified suspension. In the event of a claim, custom suspension and wheels and tires can be considered custom parts and equipment. This means that unless you have an endorsement for larger, more expensive wheels and tires as well as the lift kit, you may be out the difference in price from stock if you find yourself in a claims situation. Typically this is called a Custom Parts & Equipment endorsement.

Custom Paint

A custom paint job can set your vehicle apart from the rest and express your individuality. If you have a car with a custom paint job on your car or motorcycle, you’ll want to be sure to get the Custom Parts & Equipment endorsement for this too. Custom paint is expensive and if you find yourself without the coverage, you’re not likely to be compensated fairly without it.

Custom parts and equipment (CPE)

The simple rule of thumb with CPE is that if it wasn’t that way from the factory it is considered custom. Custom parts and equipment can include the following items:

  • Stereo system
  • Navigation System
  • Custom Wheels & Tires
  • Lift Kits
  • Paint Jobs
  • Chrome Accessories
  • Custom seat, handlebars, grips, exhaust & more on motorcycles for example.

Custom parts and equipment is not a standard type of coverage. Some insurance companies offer basic CPE coverage for certain types of vehicles like motorcycles but as a rule of thumb and a precautionary, never assume that your custom parts are covered. Be sure to tell your licensed independent agent about the custom parts on your car, truck or specialized vehicle like your motorcycle to ensure you have the right amount of protection and can replace your vehicle in the event of a loss.

How To Really Save on Your Insurance

For years we have all been flooded with auto insurance commercials talking about various offered in the insurance industry for auto insurance. There are the standard ones: multi-policy, multi-vehicle, etc., but there may be some other discounts that drivers are not aware of. We have compiled some of the additional insurance discounts offered by various insurance companies. Could you be saving money with these discounts? Be sure to ask your local insurance agent about special discounts that may apply to your specific situation.  These discounts vary by state, so it is best left to a local agent to let you know which ones apply.

Possible Auto insurance discounts in California:

  • Multi-policy: Bundling multiple polices like auto insurance, home and boat with the same insurance carrier can save you some money.
  • Good or distant student: If your student keeps their grades above certain level (as designated by the insurer) they may be eligible for a good student discount. The insurance carrier will need proof, typically sending a transcript will suffice. If your student is attending college at a distant (typically more than 500 miles from home, but that varies by carrier) you may be eligible for a discount on the vehicle since it may not be driven as much.
  • Education level: Like an extension of the good student discount, drivers who hold advanced degrees, like a bachelor’s degree, may qualify for a discount.
  • Defensive Driver: Taking a carrier approved defensive driving course could earn you a discount on your auto insurance policy. Check with your insurance agent, as this type of discount may be limited to certain age groups.
  • Multi-vehicle: Like a multi-policy discount, insuring multiple vehicles with the same carrier may earn you a small discount.
  • Green vehicle: If you drive an electric or hybrid vehicle, you may be eligible for a discount. Ask your agent to see if your vehicle qualifies.
  • Anti-theft: Vehicles with anti-theft systems statically tend to be stolen less often, thus a lower risk. You may be entitled to a small discount if your vehicle meets the criteria.
  • Anti-lock brakes: The anti-lock brake feature is standard on almost all new vehicles. Check with your insurance agent to see if your carrier provides a discount for anti-lock brakes.
  • Safe driver (accident free): Many major insurance carriers will award safe driving discounts to drivers who have been accident free for a number of years. The criteria varies between insurance carriers.
  • Military: Active and veteran military members are often eligible for discounted auto insurance. Ask your insurance agent to see if you qualify.
  • Early quote/signing: If you are looking to change insurance carriers or upgrade your auto insurance, getting a quote (and signing up) before your current policy has expired may get you a discount. You may need to get a quote within a certain number of days prior to your policy expiration, so check with your agent.
  • Paid-in-full: You’ll see the discount reflected in the price when you are presented with your options for paying your auto insurance policy. Paying off the policy in full will cost you a little less than paying every month.
  • Paperless: Don’t want to get a paper statement? Great, you get a discount. Most major insurance carriers offer discounts for customers who choose to do automatic billing and receive emails rather than paper statements.
  • Loyalty: Sticking with your insurance carrier for three or more years could earn you a discount for every loyalty milestone you hit. Typically these rewards not only include a discount on the cost of your policy, they can sometimes include accident forgiveness!

If you have questions about your home, auto or commercial insurance, call the insurance agents at Network Truck Insurance Services. We are located in Roseville, CA and are here to serve you. We have years of insurance experience and can help you insure everything from your truck insurance, business insurance or personal insurance. Contact us for a free quote or policy review.

Separating Myth From Fact for Auto Insurance

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, 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 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.

Understanding Premium Audits for Business Owners

Truck Insurance Agent CaliforniaBusiness owners love to control their costs because what goes out in costs, means it comes out of their bottom line as profit! One of the simplest ways you can help control your outgoing costs is to have open and regular communication with your insurance agent. Each year as your business insurance policy renews, your insurance carrier may conduct a “Premium Audit.”

I’m being audited? What is a premium audit?

Your business insurance premium is calculated by information you or your agent provided to the carrier at the inception of your business insurance policy. Because businesses grow or sometimes shrink, your carrier wants your premium to accurately represent your current size based off of payroll and business operations. This is a standard process and your participation in the audit can help you control costs as well as be prepared for the future.

Is an audit time consuming?

Not at all. Someone from the premium auditing team will contact you and go over your current payroll, business operations and sales to determine if a change is necessary.

Will my premiums change?

It’s possible. Depending on your sales, size of payroll, operations, employee classifications, and use of sub-contractors, you may pay more, or less.

Should I be prepared?

Keeping great records is essential to any business. Review the Helpful Tips to Prepare for Your Premium Audit provided by Travelers Insurance to help you!

If you have questions about your current business insurance policy or are looking to find a better policy, call Network Truck Insurance Service. We can go over your current business needs and find the best policy at an affordable price. Call our agency for a free quote today! We can also help you with your trucking insurance.

What You Need to Know About Insurance For Your Business Vehicles

California Truck InsuranceWhen it comes to insuring your business, a critical part of your business insurance package will be business auto insurance, also referred to as commercial auto.

Commercial auto insurance can include physical damage for your vehicle and liability insurance to protect your business from damages and injuries you or a listed driver on your policy may cause.

Physical damage can include both comprehensive and collision coverages for your cars, trucks, vans or SUVs that are used for business purposes. Physical damage coverage is an optional coverage while liability insurance is required by law.

It may seem like commercial auto insurance should be limited to semi trucks, dump trucks and heavy-duty pickups, but even vehicles use for business errands, delivery or transporting your customers may need a commercial auto policy. Our licensed commercial auto insurance agents can help you decide if a commercial auto policy is necessary.

Commercial Auto Coverage for Trailers: Does your business pull a trailer? Our agency can insure a huge variety of trailers that include everything from a simple landscape trailer, to auto transports and even large semi-tractor trailers.

Regardless of what you’re looking to insure, trust that our licensed agents will find you the right coverage at the right price for your situation. We specialize in trucking insurance and can answer your questions and search to find you affordable truck insurance. We can write business insurance or trucking insurance in California, Nevada, Texas and Arizona!

Benefits of Bundling Your Insurance Policies

California Truck Insurance Agency“Bundle your home and auto & save!” “Save by bundling your insurance policies together!”

We seem to be inundated with commercials and advertisements telling us to bundle our insurance policies together. What is the reason behind this and is this really a better option for your insurance?

Benefits of Bundling

Discounts

Some of the benefits associated with bundling your insurance policies together are discounts. The more you bundle, typically, the more you save. While the most common bundled policy is the home and auto policy, some insurance companies discount other product bundles such as auto and motorcycle. It depends on each carrier.

Consolidated Billings

Bundling your policies together can help eliminate confusion over your billing. While home insurance may go to your escrow company, it is easier to understand when your bill comes from a single source.

Access to more products

Many companies will require the auto policy to write an umbrella policy. While typically the umbrella policy is written under the property portion of your insurance. Do note, there are some companies who will just write an umbrella policy.

Why would you not bundle?

Sometimes bundling your insurance policies just doesn’t make sense. Some circumstances in which you may not be able to bundle your insurance can be:

  • Young drivers
  • SR22 Insurance
  • High Risk Drivers
  • Dangerous dog in household
  • Earthquake or Flood Insurance

Every once in a while auto insurance premium may seem too high, but you’re happy with your home insurance carrier. In this instance, you can use the full benefit of an independent insurance agent by writing the home with one carrier and the auto insurance with another carrier. Just because you’re splitting the policies doesn’t necessarily mean you’ll pay more. An agent in our office can show you all the prices between several carriers and help guide you as to what makes the most sense for your specific situation.

If you’re in the market for a new or replacement insurance policy, you’ve come to the right place. Independent insurance agents are the only agents who have access to multiple top-rated insurance companies. By shopping with an independent agent, you can compare coverage, pricing, payment plans and look at bundling your insurance policies. The benefits of having an independent insurance agent don’t stop there. As your life changes, your agent can adapt to your needs finding you the right new company for your new situation such as getting married, having a teen driver and more.

Our agency specializes in trucking insurance. For truck insurance like owner operator, cargo coverage or flat bed truck insurance, call us! We also provide business insurance like general liability, commercial auto or business owners insurance.

Thank you for the opportunity to help you with your insurance.

AB5 & The Trucking Industry

Truck Driver Insurance Coverage CaliforniaLike many of our clients, we are concerned about how the passing of AB5 will affect the trucking industry. We are working closely with our carriers and partner associations to understand the industry impact and how best to help our clients adapt their business insurance to meet the new law requirements. There is a lot to understand, plan and prepare for.

We strongly believe that the trucking industry has a powerful platform capable of great influence regarding reform of AB5 which will help the legislators revise the current law to protect the disadvantaged it was intend to, but also create an even stronger transportation industry. While a daunting outlook lies ahead currently, we believe with understanding and perseverance, our clients will help shape revisions to AB5 that will have lasting positive effects on the industry for generations of successfully independent truckers to come!

For more information on the current bill please click below.
https://www.caltrux.org/ab-5-faq/

If have questions about your current business insurance or are seeking a policy, call Network Truck Insurance Services. We specialize in helping the trucking industry and can help you determine the insurance coverage you need. Call us for an insurance review or coverage options.