9 Common Driving Distractions We All Make

There is no better driver than someone who just saw a police officer on the side of the road. For the rest of us, we all make driving mistakes, and most of the time, we don’t even realize it.

Take a look at these common distractions and aim to improve your driving. Better driving equals fewer accidents, which adds up to lower auto insurance premiums.

Getting Distracted

Whether it’s eating a burger, talking on the phone, or (yes this is true) surfing the web, doing anything other than driving while you’re behind the wheel is going to be a distraction. Texting is one of the most dangerous distractions but anything that takes your focus off of the road is a potential hazard.

Forgetting Basic Maintenance

Ignoring the check engine light is bad enough, but forgetting basic maintenance like regular oil changes, tire rotations, and getting your brakes checked can cause big, expensive problems later on. Plus, your call my stall in the middle of a busy intersection, causing a hazard for you and other drivers.

Being Too Hard on the Pedals

We love to slam our foot down on those pedals, don’t we? When you accelerate too quickly and jam the gas pedal down, you’re wasting gas. Braking too hard isn’t any better on your gas mileage but can also cause your brakes to wear out faster, requiring more brake pad and even rotor replacements.

Positioning Your Mirror

Sit in your car. What do you see when you look in the mirrors? If you answer, “The car” or “Myself” you’re doing it wrong. Your side mirrors should point behind you. You may see a little of your car, but you should not see the entire back door. Your rearview mirror is good for checking on your kids in the backseat, but it’s really supposed to be used to look behind your car while you’re driving.

Riding Your Brakes

Maybe you don’t brake too hard. Are you a chronic brake-rider? Sometimes you need to use your brakes to slow down, quickly or slowly. Other times, easing off of the accelerator will do the trick. When you ride your brake, you wear them out faster and you confuse drivers behind you who may not know if you’re preparing to stop or not.

Using Your High Beams at the Wrong Time

When you’re alone on a back road at midnight, your high beams are desperately needed. I-95 at dusk isn’t the right place. Not only is it bad manners to use high beams in traffic, you can also make it difficult for other drivers to see, which may cause an accident.

Choosing the Wrong Lane

The left lane is the passing lane. Get on any highway, and the reminders are everywhere. Slow traffic keep right. This allows faster moving vehicles to go around you without causing a back-up on a busy road. When you see someone coming up behind you and clearly driving faster than you, move to the right lane as soon as you can.

Turn Signal Confusion

Some drivers forget the turn signal exists, causing accidents when they make a quick turn that the person behind them wasn’t expecting. Other drivers remember it for their turn or lane change, but forget it soon after, leaving it on for miles and miles, which can cause a distraction to other drivers. Always be aware of your turn signal.

Going Too Fast on Wet Roads

Did you know that the speed limit sign on the road is the maximum safest speed on roads in perfect driving conditions? That means when the roads get wet, that speed is no longer the safe speed. Slowing down by 10 miles an hour is a much better option, especially when it’s raining. The first ten minutes after rain falls are the worst because the roads are slick with water and oil. Slow down in wet weather no matter how long it’s been raining.

We are all in danger of getting into the “zone” when we drive. We’re comfortable. We know where we’re going, and we just want to get there. Don’t let comfort cause mistakes. Those mistakes could lead to nasty accidents.

9 Auto Insurance Myths

Have you ever heard any of these statements?

“Don’t get a red car or your insurance will go through the roof!”

“I’m not worried about letting him drive my car. If he gets into an accident, his insurance will cover it!”

There are plenty of myths out there about auto insurance. Not understanding how your policy works could leave you with a nasty surprise after a big accident. Take a look at these 9 myths and find out the truth about auto insurance.

The Color of Your Car Matters

The color of your car isn’t a factor in determining your auto insurance rates. The type of car you have does matter: make, model, body type, engine, and size. The age of your vehicle matters, too.

Your Credit Score Doesn’t Matter

Whether you pay your bills on time is definitely a factor in determining how much you’ll pay for auto insurance. Your credit score is used to calculate your insurance score which determines the rate you will pay. Low credit scores mean low insurance scores and higher premiums.

Your Policy Covers Everything, Not Just Accidents

If your car is stolen or vandalized or its damaged in a really bad storm, and you assume your insurance will take care of everything, check your policy first. Theft, vandalization, and damage from falling limbs, bad weather, or flooding are covered only if you have comprehensive and collision coverage.

The Driver’s Insurance Covers an Accident

Did you let your friend drive your car? Did they get into an accident? If you thought it was no big deal and their insurance would pay out, think again. Your car is covered by your auto insurance policy; it doesn’t matter who was driving. You’ll need to file a claim even if someone other than you drove.

Your Policy Could Get Cancelled at Any Time

It is very rare for an insurance company to cancel a policy in the middle of a term. Typically, it only happens for non-payment or when fraud has been discovered. Getting into an accident in the middle of your current policy term won’t mean the end of your coverage.

Your Personal Property is Covered

You were in a bad accident, and the other driver rear-ended you, destroying the computer and new television in your trunk. Don’t expect your auto insurance to cover the cost for those things. Personal property doesn’t fall under your policy.

Your Car Loan Will Get Paid Off After an Accident

Your car is fairly new and you still have a note on it. If an accident totals your vehicle, don’t expect the insurance company to cut a check to pay off your loan. You’ll receive fair market value for your vehicle, which is usually lower than your loan amount. Consider adding GAP insurance which will make up the difference between what you receive and what you owe.

Don’t Report Accidents to Keep Your Premiums Down

This is a philosophy that can work well under your homeowner’s insurance policy, but isn’t easy to do with auto insurance. If the accident or damage involves only you and a tree or sign post, you’re probably fine. If another driver was involved, they may file a claim with their insurance company and your insurance company will be notified. Likewise, if you receive a ticket for the accident, that will show up on your records, too. Either way, your premiums will probably go up.

Rental Cars are Included in Your Insurance

You’re in an accident, and your vehicle is out of commission for a few days. You’re not worried because you’ll get a rental car and the insurance will cover it. Right? Rentals aren’t always automatically included in your coverage. You’ll need to purchase additional coverage for a rental.

If you’ve got questions about your current Massachusetts auto insurance policy or if you want to make sure you have the right coverage, contact Click Insurance today and let us help protect you and your vehicle.

10 Most Expensive Cars to Insure

Insure.com completed its annual study of the most expensive cars to insure. The results may not be all that surprising: the cars that are the most expensive, fastest, or likeliest to be stolen are more expensive to insure.

Take a look at the final results for yourself. The average annual insurance premium rate is included.

• Porsche 911 Carerra GT3 RS – $3,212
• Audi RS7 Quattro Prestige – $3,229
• Land Rover Range Rover – $3,245
• BMW M6 Gran Coupe – $3,309
• Nissan GT-R Nismo – $3,476
• Porsche Panamera S Executive – $3,484
• Mercedes-Benz S63 AMG – $3,513
• Mercedes-Benz S600 – $3,539
• Mercedes-Benz SL65 AMG – $3,797
• Dodge Viper – $4,048

The Dodge Viper may come as a shock, but according to AutoBlog.com, it’s the V10 engine that hikes up the insurance costs. The person who buys the Viper isn’t looking for a quiet Sunday drive. They want to feel the power and experience what the car is capable of on the road.

10 Least Expensive Vehicles to Insure

Maybe the previous list knocks a few contenders off your wish list for your next vehicle purchase. Don’t worry, Insure.com also compiled a list of the least expensive vehicles to insure. You may be surprised at how much versatility and driving power makes the list. The average annual premium is listed, as well.

• Nissan Frontier King Cab Pickup – $1,204
• Jeep Cherokee Sport Utility – $1,203
• Buick Encore Sport Tour – $1,200
• Ford Escape S – $1,194
• Jeep Compass Sport – $1,190
• Jeep Wrangler Sport – $1,181
• Jeep Patriot Sport – $1,180
• Dodge Grand Caravan – $1,174
• Honda CR-V – $1,170
• Honda Odyssey – $1,113

The price difference between number 10 on the list and number 1 is less than $100 a year, which means if you have more than one of these on your wishlist, you’ll still be paying excellent rates on your insurance, no matter which one you choose.

Whether you have an old car or you’re getting a new car, Click Insurance can make sure you get the best price and the right Massachusetts auto insurance coverage. Contact us today for a free quote.

Photo credit.

6 Ways to Reduce Your Auto Insurance Rates Without Sacrificing Coverage

Nobody likes to pay more than they have to. Overcharged for your burger at a restaurant? You’ll demand to get the bill fixed before you leave. Worried that you paid too much for an oil change? You’ll start comparing rates and service with everyone you know.

Paying too much for auto insurance seems like a crazy thing to do, especially when you haven’t been in an accident in years. It probably seems easier to reduce some of your coverage to cut costs, but all it takes is one bad accident to undo any savings you might have had.

There’s a better way to reduce the amount you pay for your Massachusetts auto insurance without sacrificing coverage. You just need to know how.

Bundle Your Policies

Most insurance companies will give you a multiple policy discount for combining your home and auto insurance or your renter’s and auto insurance. Plus, when you add on drivers, the rates will be less expensive than if everyone had their own individual policies. Give us a call and we’ll review your current policies to see if you’re missing any opportunities to bundle.

Be a Safe Driver

Let’s face it – the more accidents you get into, the more you pay for auto insurance. Consider a defensive driving course to show that you’re a safe driver or to reduce any points you’ve accumulated from previous accidents. When you’re on the road, drive safely to avoid causing any accidents.

Choose Higher Deductibles

Assuming you don’t file claims very often and you can afford a higher amount, going with a higher deductible can save you a lot of money on your insurance premiums each year. Switching from a $250 deductible to a $1,000 deductible can save you quite a bit. The key is to select an amount you can comfortably pay if you have to file a claim.

Buy the Right Vehicle

This won’t help you until you’re in the market for a new or new-to-you vehicle, but the type of vehicle you drive helps determine your auto insurance rates. Large SUVs are more expensive to insure than smaller cars, while older vehicles are less expensive to insure than newer vehicles. When you’re ready to buy another vehicle, a smaller, used car may help you save on your insurance.

Drive a Little Less Each Day

When you purchase a new plan or update your information on an existing one, one of the questions you’re asked is to identify how many miles you’re driving each year. Often times, the more you drive your vehicle, the higher your insurance rates. Take advantage of mass transit in your area, walk when you can, and when your commute does become shorter after a move or change in job, make sure to update your insurance with the decrease in annual mileage.

You can save money on your auto insurance rates without reducing your coverage and making yourself vulnerable. If you’d like to find out how much you can save, give us a call. We’ll be happy to go over your discounts, deductible, and other options for lowering your auto insurance premiums.

“Cheap” Car Insurance May Cost More Than You Realize

No one wants to pay more money than they need to for anything, including their Massachusetts auto insurance. While it may be tempting to go with the companies that are offering the cheapest rates or to reduce the amount of coverage that you have down to the bare minimum to save a few dollars, you might end up spending more in the long run.

Before you reduce your coverage or switch to a “cheap” insurer, take a look at what it could cost you.

Not Enough Coverage

When you eliminate comprehensive and collision coverage and stick with liability only, you’ll be the one paying for an accident. Even if you’re a safe driver and don’t think you’ll ever cause an accident, you may be no match for icy roads or the dog that runs out in front of your car. If you don’t have enough coverage, once your insurance policy pays up to your policy limits, you’re responsible for the remaining amount. Saving a few dollars a month won’t compare to the thousands you may have to pay for an accident.

Costly Deductibles

When choosing your deductible, make sure you choose an amount that you can comfortably pay if you’re in an accident. Switching to a higher deductible is an easy way to save on your insurance premiums, until you’re in an accident. You’ll need to make sure you always have your deductible amount stashed away in savings, or you may have to drive around with major damage to your vehicle until you can afford to pay that deductible.

None of the Extras

Switch from full coverage to liability only, and you’ll have to make do without the extras. Rental reimbursement, towing, and roadside assistance aren’t available with most liability only policies. On top of the direct costs of the accident – medical costs, repairs, etc. – you’ll also have to pay out of pocket to have your car towed and pay the full amount for a rental car while your vehicle is being repaired.

Claims Processing Headaches

Many of the “cheap” insurance companies are able to offer lower premiums because they’ve reduced their overall support staff. Often you’ll find that these companies provide sub-par customer service, which can be a big hassle if you’re ever in an accident. You’ll be the one talking with the other insurance company, sending in the information they require, and fighting your way through the claims process.

Finding a Better Way to Save

Saving on your auto insurance costs isn’t impossible; you just need a little help. Working with our agency gives you an advantage. Our agents are willing to take the time to get to know you, in order to find the right coverage for you. We’ll even help you find discounts that you didn’t know about and we’ll educate you on all of the various coverage options available to you.

In the end, you’ll have an auto insurance policy that works when you need it most, at a price that won’t break the bank.

Know Your Massachusetts Auto Insurance Limits

The last time you purchased auto insurance, you had plenty of choices. It didn’t take long before you realized that by, choosing the lowest minimums allowable by Massachusetts’ law, you could save a lot of money. But what do those auto insurance limits mean and what exactly is covered?

Understanding your Massachusetts auto insurance limits and how they’ll affect you if you get into an accident is worth knowing. You may quickly realize that you don’t have enough insurance.

Liability: 20/40/5

• $20,000 in bodily injury liability coverage for one person injured in an accident
• $40,000 in bodily injury liability coverage for all injuries in one accident
• $5,000 in property damage coverage

If you only choose the state required limits, these are the maximum amounts that your insurance carrier will pay out if you’re in an accident. Most of the time, these limits are much too low to actually cover the total cost of an accident. If the accident “totals” the other person’s vehicle, $5,000 won’t even begin to cover the cost of replacing their car. You’ll be the one responsible for whatever your insurance doesn’t cover.

UM/UIM BI: 20/40

This coverage protects you from uninsured motorists (UM) and underinsured motorists (UIM) and the bodily injury they can cause you if they hit you. “Uninsured” is pretty self-explanatory – this person doesn’t have any insurance. “Underinsured” means they have insurance but not enough to actually cover your medical costs in the accident. Massachusetts’ minimum limits are $20,000 for one person and $40,000 for all injuries. If you select only the minimum required coverage limits, your insurance company is only going to pay this amount. Any medical costs over and above will be your responsibility. The expenses can add up quickly.

PIP: $8000

Because Massachusetts is a “no-fault state”, which means your car insurance has to pay for bodily injury damages you may experience in an accident no matter who’s at fault, you also have a PIP minimum to consider. PIP stands for Personal Injury Protection. The state minimum is $8,000. It doesn’t cover property damage at all. Considering that one MRI could cost up to $1250, and a trip to the ER in an ambulance can add up even more charges, $8,000 isn’t going to go very far.

Choosing the state minimums for your insurance coverage may satisfy Massachusetts’ law and save you a little money, but it’s not going to help you if you’re in an accident with multiple injuries or a lot of damage. It’s definitely not going to do much good if both you and the other driver are underinsured – which can easily happen when you choose the minimum Massachusetts auto insurance limits required by law.

If you have any concerns about your auto insurance policies, contact us. We’ll make sure that you’ve got the right coverage in place.