All Posts tagged auto insurance

Basics of Motorcycle Insurance

Basics of Motorcycle Insurance

Motorcycle, moped, scooter – whatever you drive, make sure it’s protected.

Now that summer is right around the corner, you may have been enjoying the summer sunshine from the seat of your motorcycle. Your beloved bike gets you from point A to point B, all while skipping through traffic jams and enjoying the local scenery!

But, before you set off on the open road on your motorcycle, you need to make sure that you have the right motorcycle insurance. It’s always a good idea to know the basics of coverage so that you know exactly what you are looking for in an insurance policy, and if additional coverage makes sense for you. You wouldn’t buy a car and not insure it, so why leave your bike exposed to damage and risk?

Here’s a breakdown of the type of coverage which you can typically choose:

Bodily injury liability – If you cause an accident in which someone in another vehicle or a pedestrian is hurt, this coverage can aid the medical expenses that would arise from the accident.

Property damage liability – If you are at fault in an accident that damages a person’s property, such as a vehicle or building, this coverage can help to pay for repairs or replacements.

Medical payments – Should you or your passenger get injured in an accident and need medical attention, you can expect the policy to pay for part or all of the medical costs.

Personal injury protection – Regardless of fault, this coverage can aid the costs resulting from an accident. This can include lost income, medical bills, funeral costs, and child care expenses.

Collision – If your beloved bike is damaged due to a collision with another bike, car, or structure, collision coverage can help pay for repairs to get your bike back on the road again.

Comprehensive – This covers damages and loss from theft, vandalism, hail and more!

Uninsured or underinsured motorist bodily injury – Not every driver on the road is adequately insured – or insured at all. If you or your passenger get injured in an accident by this driver, this coverage can help pay for the damages and injuries when the driver’s insurance (or lack there of) cannot.

Roadside assistance coverage – This pays for things like towing and jumping the battery. Nothing should stand in your way of making it to your summertime plans, not even a flat tire!

If you have a specialized or custom bike, you may consider insuring these aspects of your bike!

Are you ready to secure the most reliable insurance policy for your motorcycle? At the Insurance Agency of Dean Davis, we’re dedicated to securing each motorist with motorcycle insurance that they can rely on! Serving Austin and neighboring cities in Texas, visit us today!


Top Bad Driving Habits to Avoid

Top Bad Driving Habits to Avoid

Avoid accidents and damage by adopting a safer driving style.

As motorists get used to the roads, their Driver’s Ed safety skills can start to slip. However, speeding and rolling through stop signs is never safe, no matter how experienced you are. In the U.S., there are an average of 35,000 deaths a year resulting from traffic accidents. As we all know, accidents don’t just happen; they are caused. While our cars are getting smarter, this doesn’t mean that the driver has to think less.

Avoid these bad driving habits that you may have fallen into:

Forgetting to use your turn signals: Your indicators are your only way to communicate with other drivers. Failing to use them can cause a rear-end collision, or cause someone to pass you as you’re about to turn.

Rubbernecking: You all know who you are… Slowing down to look at crashes or construction is not only dangerous but can also contribute to a chain reaction of slowed traffic. Keep your eyes on the road ahead so that you can stay alert to closed lanes or police officers directing traffic.

Hogging the left lane: The left lane is supposed to be the passing lane. If you’re cruising well below the speed limit in this lane, you may provoke other cars who are driving faster to pass dangerously on the right.

Speeding: Flying down the road is a quick recipe that will land you on the receiving end of a speeding ticket or in a serious car accident. Sticking to the speed limit will remedy this!

Running yellow (or red!) lights: This dramatically increases your chance of a crash! If the light turns yellow before you reach the intersection, it’s best not to risk it.

Distracted driving: Avoid texting, making phone calls, shaving, putting your makeup on, eating, drinking, and juggling while driving! Anything that distracts your focus from the road should be avoided at all costs.

Driving too fast for weather conditions: It’s just rained. The roads are slick with oil and water, yet drivers still feel that reaching 70 mph on city streets is a good idea. It’s not! Slow down to avoid skidding, spinning, and causing an accident.

Now that you know what bad habits to ditch, be sure to secure your auto insurance policy! At the Insurance Agency of Dean Davis, we’re dedicated to providing each motorist with car insurance that they can rely on! Serving Austin and neighboring cities in Texas, visit us today!


Car Insurance Discounts You Might Not Expect

Car Insurance Discounts You Might Not Expect

Know what you may be paying for car insurance.

$762 a year is what the average American spends to insure their car. A lot of times, the rate you pay is based on where you live. Many could be paying less, but don’t realize they are eligible for several discounts that they weren’t aware of.

Here’s a list of average discounts per year for these factors.

  1. Low Annual Mileage – $84

If you drive 7,000; 10,000; or 12,500 miles per year, you may drive a small enough amount to be considered for a discount.

  1. Use of Car – $76

If you only use your car for farming, you’ll receive the greatest discount for this factor.  If your car has a specialized usage, be sure to tell your insurance agent and you may receive a discount.

  1. Renewing in Advance – $61

If you renew an average of 10 days before you would normally have to, many companies offer a discount for this too.

  1. Loyalty – $46

Been with your company for a while? Loyalty is rewarded in this industry.

  1. Owning a Home – $46

Being a home owner, apartment owner, or condo owner can save you some dough too.

  1. Bundling Life Insurance – $30

If you have a different type of insurance policy with the same company, this might earn you some savings as well.

  1. Automatic Withdrawal $30

Business love auto-pay.  This way they know payments have more of a likelihood of being paid on time.

  1. Short Commutes $30

Only go a short distance from home to work. This will earn you points!

  1. Sunday Driver? $30

If you don’t drive every day of the week, this is a big factor in rate assessment.

  1. Car Owner $30

If you own rather than lease, you could receive a discount too.

  1. College Grad $30

Believe it or not, college grads are less of a risk.

For all of your car insurance needs in Austin, Texas, contact the Insurance Agency of Dean Davis.


Stretch Out Your Gas Tank With These Fuel Efficiency Tips!

Stretch Out Your Gas Tank With These Fuel Efficiency Tips!

Optimize your driving to cut down on gas station stops!

Whether you’re preparing for a road trip of a lifetime, have implemented a strict fuel budget, or simply want to slash your petrol station stops in half, there are some simple tricks to increase your fuel efficiency!

Not only does making the most out of your fuel save money, but it betters the environment! By reducing your carbon footprint, you can work to make your lifestyle a little ‘greener’.

No one likes paying an arm and a leg at the petrol pump, so put these tips into practice today!

  • Avoid driving at high speeds – Driving at 62 mph rather than 75 mph reduces fuel consumption by about 15 percent.
  • Stop hard braking – Instead, leave plenty of room in front of you and the car ahead, and lay off the accelerator to slowly reduce your speed, before applying the brake.
  • Optimize your tires – Keep tire pressure at the level recommended by your vehicle manufacturer, as under-inflated tires can cause your fuel efficiency to drop.
  • Use A/C sparingly – When the air conditioner is on, it puts extra pressure on the engine, forcing up to 20 percent of fuel to be consumed.
  • Use cruise control – Maintaining a constant speed over long distances will save gas!
  • Avoid long idles – Instead of leaving your car on for 10 minutes, turn your car off. Restarting the car uses less fuel than letting it idle.

These tips will allow you to keep more money in your wallet! When looking for more ways on how you can save, contact the Insurance Agency of Dean Davis. Our professionals can tailor a quality auto insurance policy to you in Austin, Texas today!


Auto Insurance Add-Ons: Are They Worth It?

Auto Insurance Add-Ons: Are They Worth It?

Fit your auto insurance coverage (add-ons and all) to your budget and needs!

A typical car insurance policy covers you from having to pay for damages that you cause. However, for truly personalized coverage which protects you from all sorts of accidents and financial hardships, auto insurance add-ons are available.

When comparing auto insurance policies and add-on coverage, the cheapest policies tend to be the ones without added bells and whistles. However, drivers should be an advocate of getting the right level of cover at the right price, rather than opting for the cheapest, most minimal policies.

Here’s a run-down of the extras most commonly offered, so that you can work out your desired coverage!

Accident forgiveness – For those who are normally a great driver and rarely file a claim, this is for you! Some insurance companies will provide those who are qualified with forgiveness for accidents that rarely occur.

Small claim forgiveness – Small claims, such as fender benders, can increase your auto insurance rate.  In the spirit of forgiveness, this coverage means that your rate even if you file a small claim.

Loss of use – Anyone who has been without their car after an accident knows the frustration of using public transport and taxi cabs. This coverage reimburses your expenses that you face when your car is getting repaired or replaced.

Personal umbrella – Personal liability umbrella insurance supplements the liability coverage you already have on your auto and homeowners policies, providing an extra layer of coverage.

Towing & roadside assistance – Avoid the heart-sinking feeling of breaking down on the side of the road with no means of help. Your auto insurance policy can provide you with a tow truck that will transport you and your car to a mechanic, locksmith services, battery “jump starting”, delivery of fuel, and other repairs that can be fixed on the side of the road (literally)!

Rental car reimbursement – If you need a rental vehicle after an accident, your policy can foot the bill of the cost of the rental car so that you don’t have to be without your car and money!

Extended customized equipment coverage – If your ride has a new stereo system, subwoofer, chrome rims, spinners, or a similar feature, you may not be covered if they’re damaged or stolen. With this coverage, you can protect this equipment!

Talk to your independent insurance agency today to customize your auto insurance policy so that you can cruise the roads, protected! Contact Insurance Agency of Dean Davis for your Austin, Texas insurance needs!


Tailgating Safety Tips Everyone Should Know

Tailgating Safety Tips Everyone Should Know

Make the most of your next tailgate with these tips.

Tailgating is the best way to get the full football experience. Unfortunately, it can also open the door to certain risks. To reduce your risk of having to make an insurance claim this tailgating season, keep these tailgating safety tips in mind.

  • Have a designated sober driver to get you home from the tailgate. Keep in mind that just one alcoholic beverage can be enough to inhibit your driving ability.
  • Ensure all glass bottles and other hazards are not hiding under your tires before you drive away to prevent any damage to your vehicle.
  • Hide all of your valuables in the trunk of your car. Leaving all valuables at home will help to keep them even safer.

Before you head to the game, take a look at your auto insurance policy to ensure it will provide the coverage you need. If you do not already have comprehensive coverage, now is the best time to add the coverage option onto your policy. While your collision coverage will provide protection while you are traveling to and from the game, your comprehensive coverage will provide protection for any incidents that occur in the parking lot.

Comprehensive coverage, sometimes known as “other than collision coverage,” will provide protection for almost anything that goes wrong. If a football flies through your front windshield or your grill catches your car on fire, your comprehensive coverage will kick in to provide protection. Keep in mind that every policy is different, so make sure to talk with your insurance agent to see just how much protection you have.

When looking for the right car insurance policy to ensure you have the coverage that you deserve throughout football season, contact the independent insurance professionals at the Insurance Agency of Dean Davis in Austin, Texas.


Safe Driving Tips For Fall Roads

Safe Driving Tips For Fall Roads

Use these tips to stay safe on the fall roads.

Even though winter is still a ways away, the outside temperatures are continuing to drop for fall, leading to certain driving hazards that you should be aware of. Keep these autumn driving safety tips in mind to ensure that you can safely enjoy the season.

  • Fallen leaves can be much more dangerous than most people think. Wet leaves can turn into slimy patches that can be just as slippery as ice. Even dry crunchy leaves can be dangerous, as your catalytic converter can easily ignite them on a warm fall day.
  • If you are driving during the early morning hours, make sure to watch out for frost patches on bridges and in shady sections of the road.
  • Fall is the most active time of year for deer, meaning they are much more likely to make their way onto the road. Use extra caution when driving through areas that have a lot of trees and be ready to stop to prevent an accident with a deer.
  • The changing fall temperatures increase the chance of foggy mornings and evenings. If you are driving in foggy conditions, make sure to slow down and keep your headlights on.
  • The early sunset can create a blinding glare on your drive home to work. Make sure to keep your windshield clean so that you can see through the glare.
  • Kids are back in school and many more people are taking their exercise routine outside to enjoy the weather. Use extra caution and look out for kids, runners, and bicyclists when you are driving.

Having the right auto insurance policy in place can help to ensure that you are covered from any peril that you encounter on fall roads. Contact the Insurance Agency of Dean Davis in Austin, Texas for all of your car insurance needs this season.