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With people’s incomes often times fluctuating and car insurance rates rising every year, it is important to take the right steps to ensure auto insurance rates are as low as possible. Those who don’t have a car but still drive from time to time and who eventually want to buy a car need to maintain liability insurance for themselves. If they don’t, they will be stuck paying high-risk rates for their auto insurance for at least the first six months they own it, and that greatly increases the cost of owning a vehicle.

Auto Insurers Require Continuous Coverage

When going without a car for a period of time and not having any kind of auto insurance coverage, auto insurers will hold that
against people when they start to drive their own vehicles. A simple solution is to have a relative or friend carry someone as a named insured on their auto insurance policy for liability coverage only when possible. That gives the individual a recent history of being insured and won’t cause auto insurers to make them pay for high-risk car insurance. Individuals also can buy open auto liability insurance to any vehicle they might be driving for low rates and help to ensure they won’t have to pay high-risk rates for up to a year when they get their next vehicle.

Motorcycle Insurance Does Not Count

Motorcycles can be fully licensed, insured and ridden regularly, but if the owner of the motorcycle does not also have at least liability auto insurance, the motorcycle insurance will not count as maintaining auto insurance. Because motorcycles generally pose a greater risk to motorcycle riders than other vehicles or property, insurers want to see auto insurance coverage in place to help ensure no accidents or other driving mishaps have occurred involving the potential driver and policyholder. So if only riding a motorcycle, it is wise to also carry minimal levels of auto liability insurance.

Are you looking to buy a car but don’t have current auto insurance coverage?

Originally posted 2014-08-01 21:08:41.

Sure, the holidays are a joyous time. But they’re also an expensive time. That’s why, when January 1 rolls around, most of us are resolving to tighten the purse strings a bit and save some cash in the year to come. If you haven’t assessed your homeowners policy lately, January is a great time to do it. You could be able to save on home insurance and make finances a little brighter in the coming year. Here are our top tips:

Save on Home Insurance With These Tips:

Shop around: If it’s been a while since you’ve gotten a quote from a different insurance company, you may be paying too much for your homeowners policy. Save on home insurance by getting a current quote from another company or agency and comparing your current premium and coverage.

Increase your security: Installing new security feature on your property won’t just help protect your family; they also may help you save on home insurance. You could save money on your premium by installing a security alarm, deadbolt locks or even fire extinguishers.

Ask about discounts: Often, homeowners may qualify for premium discounts they didn’t even know existed! Ask your agency or provider about specific premium discounts, like multi-policy, senior citizen, low claims, marital status or security features.

Keep an inventory: You purchase home insurance to protect your possessions, right? But many policyholders fail to keep a current, accurate inventory of their personal property, which could cost them down the line. If you have not yet created an inventory (or it’s been a while since you updated it), now’s the time!

Want to learn more ways to save on home insurance in 2014? Give us a call today and a friendly agent will help determine how to get you the best policy for your budget – and keep you, your home and your family protected this year.

Originally posted 2014-01-01 09:39:42.

When shopping for insurance, most people are unaware that there are different kinds of agents they can work with. Choosing the right one can make a big difference in securing the best combination of price and value.

With a captive insurance agent, you only get the guidance of one company that sells one brand of insurance. With an independent insurance agent, you might get up to 30 choices.

This is because an independent insurance agent represents multiple brands, and can compare coverage and prices to find the best possible value for your individual circumstances. Independent agents are usually vested members of your community who are committed to doing business face-to-face and being your advocate in times of need.

They also:

• Work for you when you have a claim.
• Are not beholden to any one company. This means you don’t have to change agencies as your insurance and service needs change.
• Are your consultants, working with you as you determine your needs.
• Are value-hunters who look after your pocketbook in finding the best combination of price, coverage, and service.
• Offer one-stop shopping for a full range of products, including home, renters, auto, business, life, health, and retirement plans.
• Can periodically review your coverage to keep up with your changing insurance needs.
• Are committed to customer satisfaction-it’s the key to their livelihood
• Treat you like a person, not a number.
• Are licensed professionals with strong customer and community ties.

There is a difference. To find out more about working with an independent agent, please contact AMS Insurance!

Originally posted 2012-08-08 21:35:32.

Author : Martin Jeffrey

In the middle of the 1930s a large red London Bus, bearing a “7” route number harassed motorists in the North Kensington area of London.

The Junction of St Mark’s Road and Cambridge Gardens in that area had long been considered a dangerous corner – it was “blind” from both roads and had been the scene of numerous accidents.

The decision of the local authority to straighten out the bend was partially influenced by the testimony of late night motorists. Many claimed that they had crashed while swerving to avoid a speeding double decker bus that hurtled down St Marks Road in the small hours, long after regular buses ceased service.

A typical report to the Kensington Police read ” I was turning the corner and saw a bus tearing towards me. The lights of the top and bottom decks and the headlights were full on but I could see no crew or passengers. I yanked my steering wheel hard over and mounted the pavement, scraping the roadside wall. The bus just vanished.”

After one fatal accident, during which a driver had swerved and hit the wall head on, an eyewitness told the coroner’s inquest that he had seen the mystery bus hurtling towards the car seconds before the driver spun off the road.

When the coroner expressed what was perhaps natural cynicism, hundreds of local residents wrote to his office and to the local newspapers offering to testify that they too, had seen the “Ghost Bus”.

Among the most impressing of these witnesses was a local transport official who claimed that he had seen the vehicle draw up to the local bus depot in the early hours of the morning, stand with engine purring for a moment, and then disappear. Eventually the local council straightened out the road there, and the accident rate was greatly reduced. Thereafter there were no more reports of the ghostly red bus.

References
Frank Smythe “Ghosts and Poltergeists”
The Ghost Bus of Kensington By Bob Griffiths “Silver Arrow” – November 1998

Originally posted 2010-11-14 15:25:53.

If you’ve ever looked for a new car insurance policy, you know that shopping around can really help you find the cheapest rates. But sometimes those cheap rates aren’t really all that they seem. If you’re looking online for cheap car insurance in Las Vegas, you’ll want to keep the following “red flags” in mind.

Low-ball Estimates

So you filled out an online form and got a ridiculously cheap quote. Great, right? Well, maybe not. Some “quick and easy quotes” don’t paint a complete picture. It’s possible that the company may be luring you in with a low-ball quote, only to add on a number of costs and fees later in the underwriting process. For instance, your quoted coverage may not stand up to all state requirements, may include hefty deductibles or lack some areas of coverage altogether. Be sure you know exactly what is reflected in your quote and compare that with your own car insurance requirements.

Information Theft

We don’t want to scare you, but some of those online care insurance quote generators may not have your insurance needs in mind at all. In fact, they could just be repositories for personal information that is then sold to third parties for marketing and advertising purposes. Unless the site offering the quote service is reputable and trustworthy, you should be wary of supplying your private information.

Fraudulent Sites

You probably generally use common sense when researching a purchase. But when you’re trying to get Auto Insurance in Las Vegas, it can be easy to brush aside that common sense in favor of projected savings! Steer clear of websites that include red flags: poor spelling, no mention of credentials or affiliations, rock-bottom insurance prices, or quote generators that do not ask relevant questions. Make sure that the common sense portion of your brain isn’t overcome by the portion that wants to save money!

Finding cheap car insurance in Las Vegas doesn’t have to mean sacrificing coverage

Ready to get cheap car insurance in Las Vegas without compromising coverage or giving away private information? Give us a call today.

Originally posted 2013-08-05 10:21:25.