Steps to Buying GREAT Auto Insurance

Steps to Buying GREAT Auto Insurance

We’re car people.  From the accents and contours of a vehicle, to the drive and adrenaline of a fast car, we have a certain appreciation for the automotive machine.  As our passion, we’re great at finding a perfect fit for our customers.  When it comes to auto insurance, you want to be covered in the case you get into a fender bender.  So, in an effort to ease the burden, we’re providing 5 tips for finding the right coverage at the right price.  By doing some comparison shopping, you could save hundreds a year.  

Find the Right Coverage

Your first step should be to find a list of what is required in the state.  You can visit this link to find out: http://www.edmunds.com/auto-insurance/how-much-car-insurance-do-you-need.html this will provide the minimum of what is required. Once you have that, you should decide what insurance premium you need.  Your decision depends on your degree of comfort and a certain level of risk.  According to Edmunds:

“Experts recommend that if you have a lot of assets, you should get enough liability coverage to protect them. Let's say you have $50,000 of bodily injury liability coverage but $100,000 in personal assets. If you're at fault in an accident, attorneys for the other party could go after you for the $50,000 in medical bills that aren't covered by your policy.”

Also, you don’t have to buy collision and comprehensive damage, especially if your vehicle is older than 2000.

Check Your Driving Record

How many tickets have you had recently? By checking your state’s department of motor vehicles, you can have a better idea of how you stack up.  For example, if points you earned on your license are about to disappear, this will improve your driving record.  So, we would recommend you wait until that happens before you receive quotes.

Solicit Competitive Quotes

You will need:

o   Current Policy

o   License Number

o   Vehicle Registration

Check out insurance company websites and receive a quote.  It’s easy to type in your information and build a list of companies for comparative quotes.  Each quote takes about 15 minutes to complete, but shopping around can save you hundreds.  Think about the annual and monthly rates for different types of coverage, note the 800 number so you can get more direct answers, and pay close attention to the insurance company payment policy. 

These are just a few tips to get you started.  For more info visit your favorite insurance company website for details.

7 facts about texting that can save a life

7 Facts About Texting That Can Save a Life

Multitasking has increased in the last few years to astronomical heights.  With one hand and a smartphone you can watch a YouTube video, send an email, play a game, voice chat and place a call in a five-minute span.  However, with much power comes much responsibility because NOW that we have this access 24-7, it has carried over into our driving habits. 

For some time, researchers have been telling us to focus only on driving, quoting a greatly increased chance of accident, injury and death when we distractedly call a friend or answer a ringing cell phone.

Now, new research has revealed the most dangerous driver distraction of all: texting.

A study by the Virginia Tech Transportation Institute, along with prior studies by Liberty Mutual Insurance and state-funded organizations located online, reveals the shocking statistics of texting behind the wheel:

·      Texting while driving increases the risk of accident 23.2 times over unimpaired driving.

·      Texting while driving results in longer response times than even drunken driving. While an unimpaired driver can respond quickly to changes in traffic and begin braking within half a second, a legally drunk driver needs four additional feet to begin braking—and a driver who’s texting needs 70.

·      In the moments before a crash or near crash, drivers typically spend nearly five seconds looking at their mobile devices—enough time at typical highway speeds to cover more area than the length of a football field.

·      Though 95 percent of drivers surveyed said texting behind the wheel was unacceptable and unsafe, at least 21 percent admit to doing it anyway.

·      Especially amongst teens, texting results in erratic driving behavior, like lane weaving and speeding up and down, increasing the likelihood of hurting pedestrians and running into other vehicles.

·      Texting behind the wheel is generational: 37 percent of drivers 18 to 27 admit to texting while driving, compared to 14 percent of 28 to 44 year olds, and 2 percent of 45 to 60 year olds.

·      An accident can happen in two to three seconds while texting.

Check out this weeks blog and find out what the guys at Sirius Radio are doing now

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Those folks at Sirius XM are going after some real serious business.  The company has been in business for close to a decade and reaches close to 4 million square miles across the U.S.  They have a record revenue of $897 million dollars in sales.  This company is expecting to add another 1.6 million listeners to their 24.4 million listeners by the end of this year.  Not only are they dialed in to countless vehicles, they are also able to go 200 miles offshore making it great for boating and use in airplanes.  Sirius XM looks to complete its projected goals for getting more involved with the auto industry.

Sirius XM has been working on an infotainment platform. Entertainment with Sirius includes a large, more tailored footprint for their listeners.  Such as sports channels, comedy, and talk shows, live and full of rich content that local radio may not have. However, their focus is to add Infotainment, meaning they will have the ability to be more like OnStar and provide listeners with weather updates, provide roadside assistance, and deliver traffic updates along with the choice of entertainment. 

Sirius is targeting more auto companies to add this as temporary feature that can be subscribed after a 90-day trial.

To find out more about Sirius XM and other features included in your vehicle please contact us at KTeam Used Cars (888) 596-2797

Learn how to stay safe during a flood

We at KTEAM Auto Sales care about the safety of our friends, family and clients.  We wanted to talk about protecting yourself if you should encounter a flood.  It is our hope that this weeks blog gives you some solid insight on what to do if you should find yourself driving in a flooded area.  Remember Safety First! 

Here are some facts that you may not have known about floods:

Driving Flood Facts

§  Call 311 if you are evacuating your home during a flood or receive flood damage

§  Six inches of water will reach the bottom of most passenger cars causing loss of control and possible stalling.

§  A foot of water will float many vehicles.

§  Two feet of rushing water can carry away most vehicles including sport utility vehicles (SUV’s) and pick-ups.

§   More people drown in their cars than anywhere else.

§  The road may be washed out below the water surface.

§  Your car may stall or get stuck in the water, and then get pushed off the road. Once off the road, cars often start to roll, making escape impossible.

Check both home owners and auto insurance policies to ensure that you are covered for any loss or damage.  Not all policies cover flood damage.

Never try to swim to safety if you can find a safe and secure structure that you can be protected until help arrives.

We never can predict the future but we can prevent most accidents.

Please remember to stay safe and if you should have any questions on safety features for your auto don’t hesitate to contact us. 888-596-2797