At Webber and Grinnell, we believe being informed helps our customers make better choices. Here are three tips to keep in mind:
• Be extra careful when making left turns. Left turns are involved in 22 percent of the 5,000,000 crashes that occur in the U.S. each year. Among the worst accidents – those costing $100,000 or more in bodily injury and property damage – left turns are involved 31 percent of the time. (Source: Arbella Insurance)
• Consider increasing your uninsured motorist coverage if you bike often. Biking can be dangerous and injuries can be severe. If you get hit by an uninsured or underinsured car, you can collect for your damages under your own policy. Uninsured/underinsured motorist coverage provides protection against these types of events. We recommend that you raise your limits to at least $100,000 per person / $300,000 per accident.
• Check out the cost of a higher deductible on your auto insurance. The money you save on the premium can sometimes make up the difference with the higher deductible in just two-four years. For example, with my stepson’s collision premium in the article above, the cost with a $500 deductible was $890 and the one with a $1000 deductible was $581. The difference was $309. With two years of good driving and no claims, we would save $618 with the $1000 deductible level, which exceeds (and could cover) the $500 difference in the two deductibles.
Please call the office if you have any questions on these tips.