by TrueWay Insurance | Sep 23, 2019 | auto insurance quotes
For most drivers, when they first received their driver’s license, they were probably astonished by how much they had to pay their insurance company- and they hadn’t even gotten into an accident yet! Most people can’t wait to turn 25 and have those high car insurance rates finally decrease. After all, it is quite a common perception that car insurance premiums are able to automatically go down for drivers at age 25. Unfortunately, there is no magic age cutoff that ends up in a drop in vehicle insurance rates. When it comes to the correlation between car insurance rates and age, it’s more of a gradual decline. The age curve will vary depending on the insurance company in question. Read on to learn more about how your car insurance rates may be impacted by your age as well as other factors. Trueway Insurance is a top provider of car insurance in the Palm Springs area. Call Trueway Insurance for your car insurance quotes today!
Policy Rates Vary
There are many factors that can have an impact on insurance policy rates. One factor that tends to impact insurance policy rates for all policyholders, but especially when they are younger, is whether an insurance score is factored into the cost. Certain insurance companies will not pull an insurance score for drivers who are teenage. A driver who is 25 years old, however, who has done some work to establish and improve his or her credit score- which ultimately is tied to their insurance score- may result in rewards as it relates to his or her car insurance premiums. Other factors that may have an effect on the insurance rates of young drivers include the year, make, and model of the vehicle; driving habits (such as the number of miles driven every year); the garaging location of the car; safe driving record; deductible; and how the vehicle is utilized. Young drivers who own homes or are married, moreover, may also qualify for car insurance discounts to provide additional savings on their car insurance quotes.
Age and Car Insurance Rates
There are many other factors, of course, other than age that can end up raising your car insurance premiums. One such factor that may drive your rates up is if your driving history has many traffic violations or accidents. Some other such factors is if the policyholder resides in a more population dense area, their credit score took a plunge, or if they added more drivers, which can all have the policyholder seeing higher premiums that have them paying more overall for collision coverage. This is why it’s important to remember that when it comes to car insurance, turning 25 is not the magical number that cuts down on your insurance premiums.
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There are a variety of factors that can affect your car insurance rates, with age being one of them. Trueway Insurance is a top provider of car insurance in the Palm Springs area. Call Trueway Insurance for your car insurance quotes today!
by TrueWay Insurance | Sep 16, 2019 | Uncategorized
If you come out of a restaurant or store to a dented or scuffed car, it can be a highly unpleasant feeling. There is a certain amount of safety for your car that is generally expected when one parks in public spaces. You may be wondering- did you park in an incorrect manner, or did the person not see the damage to your car? Did the culprit just drive away without a backwards glance? In any case, somebody still needs to pay for the damages. Read on to learn more about how to tell if it will be you or an auto insurance company that covers the damages if somebody hits your car in a parking lot. Trueway Insurance is a top provider of commercial auto insurance in Lake Worth. Call Trueway Insurance now for your insurance consultation!
What To Do
So what should you do in the situation that the other driver is still in the parking lot when you get back? Sometimes, people are responsible and wait for you to come back out to your car. If you are in this situation, try your best to calm down. The other driver is most likely embarrassed and as annoyed as you are. They probably didn’t have any idea that they were so close to hitting your vehicle. At least give them some credit that they stayed around to fess up! This is probably one of the best scenarios you could ask for. First, make sure to take down their first and last name, best contact number, license plate number, insurance company’s name and number, and auto insurance policy number. Next, immediately take some pictures of the damages, as in some states it may be mandated that police must come if the damages look to be over a certain amount to repair. Trueway Insurance, a top provider of commercial auto insurance, notes to be careful about taking cash or early settlements from the driver rather than going through insurance, as you don’t want to be stuck with a fixed amount of money if a repair shop says the damages are more severe than you initially thought.
Does Your Auto Insurance Cover It?
If the other driver isn’t there when you get back, then you should look for a note with the information that we just discussed above. If there isn’t a note, you may have to call the cops on a hit-and-run case. While the police are on the way, snap some photos of the damages and write down the most accurate account you can remember of when you left your car in the parking lot and then came back out to find the damages incurred. Make sure to take note of the placement of the car and the conditions of the parking lot. There are a few options when it comes to who is paying for the damage. If you have the other driver’s insurance information, then you may be able to file a claim through their carrier if they hit your car in a parking lot. Going through the other driver’s insurance may take longer than expected, so you can also file a claim through your car insurance to speed up the process. If the other driver isn’t insured, or if it was a hit-and-run, you can use uninsured/underinsured motorist coverage to take care of your vehicle.
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There are different options to which auto insurance will cover damages incurred in a parking lot. Trueway Insurance is a top provider of commercial auto insurance in Lake Worth. Call Trueway Insurance today for your auto insurance needs!
by TrueWay Insurance | Sep 9, 2019 | home insurance quotes
What do you do if your mailbox is hit? Do you call your insurance company? Is it worth it to file a claim? Here at Trueway Insurance, we have all the information and answers you need. We consider ourselves one of the best house insurance companies in Palm Springs.
Questions to Consider
- Is it worth it to file a home insurance claim for my mailbox?
- Your deductible is the amount ‘you’ve agreed to pay on a home insurance claim before your policy starts paying the rest of the amount. So, if you have a simple aluminum mailbox attached to a metal pole, the cost to replace it probably ‘isn’t going to be more than your deductible. So, even if you filed a claim, ‘you’d end up paying the full amount to replace the mailbox.
- However, if you have a specialty mailbox, one ‘that’s made out of bricks, or one that is handcrafted and worth a high value, then it may be worth it to file a home insurance claim.
- Additionally, your mailbox may have been damaged as part of a larger incident (i.e. if a car crashed into your mailbox and then continued careening into your home), then your homeowner’s insurance may pay to replace your mailbox as a part of repairing the overall damages.
- Does my insurance cover if I hit my mailbox?
- We all make mistakes. So, ‘it’s not out of the realm of possibility that you were backing out of your driveway and got a little too close to your own mailbox. In that case, what do you do?
- If your car is damaged after hitting a mailbox, you may be able to repair your vehicle if you have collision coverage. Collision coverage is the part of your auto insurance that can help you repair or replace your car if you collide with something or vice versa. Keep in mind though, that collision coverage is only to help with repairs to a car, not the mailbox itself.
- You may also want to consider the amount of damage done to your car by hitting the mailbox. Similar to your home insurance deductible, ‘you’ll have to fulfill your car insurance deductible before your insurance company starts paying for damages. So, if you only have a few scuffs and scrapes or a small dent in your car, it may not be worth it to file a claim since the cost to repair the damages may be less than your deductible.
- ‘What’s the best way to replace my mailbox?
- So, ‘let’s say that you do decide to file a claim to have your mailbox replaced. ‘What’s the best way to go about it?
- Well, as with any type of property damage incident, ‘you’ll want to make sure that you have a receipt. Documentation of the cost of the mailbox and installation fees can help make sure that your home insurance company reimburses you for the right amount to replace it.
- If someone else hits your mailbox, make sure that you get a police report of the incident. This may help the claims process go more smoothly, but it may also help you find the culprit so that they can pay for the damages.
- Overall, a mailbox may not be high on the list of things you worry about as a homeowner. But it can help to know that you have the right coverage to handle any freak accidents that may happen to the smallest bits of your property.
We Are One of the Best House Insurance Companies
Looking for one of the most reliable and affordable insurance companies near me? Look no further. As an independent insurance agency, TrueWay Insurance takes pride in offering superior customer service. Let us assist you in finding the coverage for your car insurance, home insurance, and business insurance needs. We sell insurance anywhere in the state of Florida, including Miami, Broward, Palm Beach, and Lucie County.
We hope you find the information you need here but if not please give us a call at (561) 318-5540. Let TrueWay Insurance find the most competitive price for your insurance coverage in the Palm Beach County area, including Lake Worth, West Palm Beach, Greenacres, and Boynton Beach.
Call Us For Home Insurance Quotes
One of the best house insurance companies is here for your mailbox. Trueway Insurance is an insurance company located in Lake Worth. We offer the best affordable insurance in Palm Springs. This includes those looking for cheap home insurance. We are here to provide quality for our customers because we believe in the power that insurance can have in any ‘person’s life. If you are interested in learning more about what we can do for you or you have further questions regarding notaries and how they play a part in the insurance process, contact us. We hope you find the information you need here but if not please give us a call at (561) 318-5540. Take advantage of one of the best home insurance quotes today!
by TrueWay Insurance | Sep 6, 2019 | auto insurance quotes
A lot of times when people are looking at auto insurance quotes they tend to gravitate to the ones that are the least expensive, so they save money, but choosing cheap car insurance isn’t always the best idea. This is because a more affordable policy may not include everything you need. Trueway Insurance in Lake Worth has a team of insurance professionals that can help you understand why getting the cheapest insurance shouldn’t be your number one concern.
The Truth About Cheap Car Insurance
When you’re shopping around and evaluating different auto insurance quotes, you may be inclined to go with the lowest rate, but most of the time your local insurance agents sell car insurance for a regional or even a national company, which means their rates are all going to be pretty much the same. This also means that going with the lowest quote that you get electronically without speaking to a representative may not actually be the lowest price you could get.
What truly makes a difference in pricing comes from an individual agent’s knowledge and experience. Having a real conversation with an actual person can make a world of difference. They are able to get to know your situation a little better and have information about possible discounts that aren’t public knowledge, which means when you’re getting a quote online, these discounts aren’t applied to the price you are shown. In addition, speaking with a person face to face opens up the possibility of having recommendations made to you about the type of coverage you should be getting. Another added bonus of working and speaking with a local agent is that they are a part of your community and they understand your wants and needs. It’s not just about the cheapest insurance; it’s about finding the right rates based on your driving history as well as your budget. Dealing with a company that only offers a toll-free number means your experience isn’t going to be personalized even if they are offering the lowest price. Also, the chance that you will speak to the same person every time you call is extremely unlikely. This means that every time you call to ask a question, you’ll have to provide all of your information over and over again. When you’re picking an insurance agent, it is critical for you to ask yourself a few questions. The first, is who will you count on if you have a question, experience an accident, or need to file a claim? Sure, you can call an 800 number, but speaking with a different person every time you call doesn’t make things easy. Also, when you’re dealing with a stressful situation, it will make a significant difference to speak with someone you know and trust. Will the larger agencies provide the service you want and need? Sure, they may be able to offer the lowest quote, but that doesn’t mean that the coverage they provide is going to be tailored to your individual needs.
Contact Us For Auto Insurance Quotes
Trueway is a leading auto insurance provider in the Lake Worth area. We are here to help our customers understand how to find cheap car insurance as well as the measures they can take to ensure their cars are protected. If you’re tired of shopping around for home insurance quotes, call or visit us today for more information.
by TrueWay Insurance | Aug 22, 2019 | car insurance quotes
Let’s say you are out of a car for the week because yours is in the shop. However, you still need to make it work. What do you do? Luckily, your close friend is gracious enough to lend you their vehicle. You now have a car to borrow the whole week. However, one thing is left to ponder. Are you covered by car insurance? Here at Trueway Insurance, our team is experts on comprehensive car insurance. We specialize in affordable insurance for Palm Springs.
It Follows The Car
If you are driving your friend’s vehicle, and your friend has valid insurance for that vehicle, then you should be covered. That’s because car insurance typically follows the car – not the driver.
In other words, when you lend your car to a friend, you’re not just lending your vehicle to that friend; you’re also lending your car insurance. Your car insurance policy extends to cover your friend. If your friend gets into an accident while driving your vehicle, then your car insurance would be the primary liability. Your car insurance would cover the costs of the accident.
Will Your Comprehensive Car Insurance Cover Another Car?
There are certain situations where your own car insurance policy will come into effect when driving a friend’s vehicle.
Let’s say you and your friend both have car insurance. You drive your friend’s car and get into an accident. Your friend’s car insurance policy is the primary coverage, which means it covers all expenses first up to the limits of the policy.
If the costs of the accident exceed the limits of your friend’s insurance policy, however, then your own car insurance policy could come into play. In this situation, your friend’s car insurance would be entirely used up first, and then your own car insurance would cover any remaining expenses, up to the limits of your policy.
Who is Covered In Your Car?
Your car insurance should follow the car whenever somebody else is driving your vehicle, assuming the other person has permission to drive your vehicle.
Your car insurance will only extend to non-excluded drivers. If an excluded driver drives your vehicle with your permission, then your car insurance may be voided.
Generally, you have to manually exclude certain drivers from your policy in order for them to no longer be covered by car insurance. You might exclude your spouse after she gets a DUI, for example, because it would raise insurance premiums. If your spouse is excluded from your insurance policy, then your spouse will not be covered when driving your vehicle.
Call Us For Affordable Insurance
We want you to have comprehensive car insurance! Trueway Insurance is an insurance company located in Lake Worth. We offer the best affordable insurance in Palm Springs. This includes those looking for cheap home insurance. We are here to provide quality for our customers because we believe in the power that insurance can have in any person’s life. If you are interested in learning more about what we can do for you or you have further questions regarding notaries and how they play a part in the insurance process, contact us. We hope you find the information you need here but if not please give us a call at (561) 318-5540. Take advantage of one of the best commercial auto insurance today!
