Insurance Tips for Car Shopping

Auto dealers take advantage of increased inventory of new year models and available manufacturer incentives to make President’s Day weekend the kickoff to their sales year. When shopping for a new car, the cost of insurance is often a forgotten factor. If you’re in the market for a new car, here are some auto insurance considerations to keep in mind.

Comp & Collision

If you’re moving from a fully-paid used car to a financed new car, your bank or lien holder will require you to carry full coverage while you’re paying off your loan. Owners who’ve carried only the required liability insurance on their fully-paid car may encounter sticker shock when comprehensive and collision is required for a newly financed car. Once you’ve identified the vehicle you are interested in purchasing, consult your insurance agent to get a quote on the new car so you have an idea of your additional costs.

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After Dark: A dangerous time to drive

Lack of light, compromised night vision, rush hour, impaired drivers and fatigue all contribute to making driving at night more dangerous than during any other time of day. In fact, traffic deaths are three times greater at night, according to National Safety Council research. Let’s look at each of these factors.

Darkness

When it’s dark outside, depth perception, color recognition and peripheral vision are compromised. And the glare of headlights from an oncoming vehicle can literally blind a driver temporarily.

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Think Again: Are You Insurance Ready for 2017

COLUMBUS – The first quarter of the year is a great time to reevaluate your insurance policies. Changing life circumstances may lead to different insurance needs. Did you get married? Add a child to your family? Purchase a new home or car? Are you downsizing? It’s a good move to check whether you have appropriate insurance protection.

Lieutenant Governor Mary Taylor, as part of her Think Again initiative, is urging Ohioans to review if insurance adjustments are in order

“Talk with your family, think about shopping around and also get in touch with your agent,” said Taylor, also director of the Ohio Department of Insurance. “Consumers should be proactive to ensure they have the best coverage for their life situation. Maybe more coverage is needed, maybe it can be reduced.”
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