1. Drop Coverage You Don’t Need: There are a lot of different options and things that could tack on extra dollars to your auto premium, take off what you don’t need
2. Search for Discounts: There are always new discounts coming up in a competitive market like auto insurance, do a search for discounts every 6 months to see what you can get
3. Improve Your Credit Score: A good/improving credit score might get you lower interest rates on loans, you should see if you can get extra savings off your insurance too
4. Pay Your Premiums With a Credit Card: Pay your car insurance with your credit card with cash back, it could save you anywhere from 1-5% of your insurance
5. Tell Your Kids to Keep Their Grades Up: Most companies offer some kind of good student discount, keep the grades up, keep the premium low
6. Take a Driving Course: Some driving courses are recognized by some policies, check and see what savings you can get (for a lifetime)
7. See If Your Occupation Can Save You Money: Each occupation has a different risk assessed to it, which could hike up your insurance or lower it, see if your occupation qualifies for savings

There are quite a few comments made in the comment section that provide some quality advice from other readers. If you want more information regarding your auto insurance or get a free Louisville KY Auto Insurance quote, click here.

Article: 7 Ways to Save Money on Car Insurance

From mid-April to mid-August, this group of Colorado residents can count on three or four catastrophic hailstorms every year. A catastrophic hailstorm is defined as one which causes at least $25 million in insured damage. Even after this amount of damage is spread across everyone in the region, it can still add up to an expensive individual repair bill for each resident to fix their homes, automobiles and businesses. And the repairs are needed year after year. In fact, over the last 10 years, hailstorms have caused more than $1 billion in insured damage in the state of Colorado. Up to one-half of a homeowner’s insurance premium for residents of that state go toward hail and wind damage costs as a result.

New Mexico is another state which is prone to hail storms and hail damage. For example, tornadoes and hail resulted in $16.5 million dollars in insured damage around Clovis, Roswell and Logan in just one day in March of 2007. The good news for residents of Colorado, New Mexico and other regions, is that hail damage is covered by almost all insurance companies if you carry comprehensive coverage on your auto insurance policy. Practically all home insurance policies cover hail damage as well.

In the event you are the victim of a hailstorm, stay indoors (obviously) until the storm has subsided before venturing out to check damage. If trees, shrubs and plants around your house are stripped of their foliage, there’s a good possibility that your roof has become damaged. Windows, vents, and awnings could also be damaged, as well as your automobile’s body and windows or windshield. If there is a possibility of additional storms coming through your area, cover broken windows on your home or car and holes in the roof to protect against further damage from rain, wind, or more hail.

You may wish to make a record of the work you do and take photos to show to your insurance agent as well. Keep receipts of any repairs you make to submit along with your insurance claim. An adjuster will be sent to your property to assess the damage done by hail to your car or home and will recommend repairs. If your roof is damaged, you may want to use a company which is an expert in hail damage to assure that the job is done properly and also to have hail resistant roofing materials installed to protect you from damage done by future hail storms. Finally, if your insurance didn’t cover enough of your hail damage to either your home or your car, speak to your agent about adjusting your policy to increase your coverage, lower your deductible, or add more comprehensive coverage.

Find out more about protecting  your home and motor vehicles by calling our office, or visiting  Your Louisville Insurance for a free quote online today.

1.    Make sure your gutters are properly secured. So many times there are weak gutters and many homeowners are unaware of this. Because of this, water can seep in between the gutters and your home, ultimately causing water to leak into the house and cause damage before you may even know it. You may want to have someone to come out and check the gutters on your home, whether or not your roof is new or old. Make sure your gutters are cleaned out of debris, such as limbs and leaves. This can also cause leaking and wear down your gutters- Be Proactive!

2.    Is your roof aging? If your roof is 20 years or older, you may want to have your roof inspected. Yes, this can cost some money, but much less money if your roof begins to leak due to your roof being old and weak. Roof claims can cost anywhere between $2,000 and $20,000, these figures of course depend on how much damage is done. No one ever wants to file a claim, so taking these preventative measures can cause you less stress and headache in the long run!

3.    Check your windows! Many of us may have cracked, rotted and leaking windows and not even know it. This goes for your Home and Motor Vehicles! Make sure that your windows don’t have cracks in them of any sorts. Also if your windows are older, this could be a great time to replace those windows! Again, being proactive in this area can save you a lot of money in the long run! This same preventative measure goes for your Motor Vehicles. Make sure that you don’t have any cracks in your windows on your car.  Another preventative measure you can take is to make sure the rubber sealing around your windows is not aging or cracked in any way.

What happens if we have you have taken these preventative measures and something still happens? No worries! We have one of the top rated Claims Team in the nation. If you have any leaking of any kind, make sure to stop the leaking as best as possible. If there is major or even some minor damage already done and you cannot stop the leaking yourself, you can call a company to come out to help you with this. Most policies have a clause that requires you to prevent any additional damage after any claim. This would mean to secure any property or tarp the roof if it is leaking.  All you need to do is call your agent and ask them for a company name and number that will be able to help you with this. If this is the case, make sure to keep all receipts from any work that is done. Your claims adjuster will want to keep this in mind with your claims information. The best thing that you can do is stop the leaking before it causes more damage than necessary.

Find out more about protecting  your home and motor vehicles by calling our office, or visiting  Your Louisville Insurance for a free quote online today.

We know how much people are trying to cut costs out of their budgets- but nothing is more important than having adequate coverage in your Auto Insurance. Comprehensive coverage can be added to your policy without having collision on your Auto Insurance. It is important to have an in depth conversation with your insurance agent regarding your policy.

Comprehensive Coverage pays for your vehicle if it is ever stolen or damaged by causes other than collision. That means that if you walk out of your front door to head to work and your car is gone, you will have coverage for your vehicle. For example, with Comprehensive Coverage on your policy you are protected against damages caused by fire, wind, hail, flood, theft vandalism, or hitting a deer are all covered. Comprehensive Coverage will also pay for a substitute vehicle expense of up to $25/day or $750/total, if your car is stolen. Almost all policies have deductibles that will apply to the loss. The most common deductible is $500, but you can have almost any deductible you want, ranging from $0 to $5000.

Filing the claim:

If you are a victim of a stolen vehicle, call the police immediately to have a theft report filed. The police need to be able to put your vehicle identification number (VIN) in their data base as a stolen vehicle. Next call your insurance company to file the claim. On most policies there is a waiting period for filing your stolen vehicle claim. The standard wait is 48 hours from the time of theft. Many cars have additional damage if recovered. This damage is covered but subject to your comprehensive deductible. If the car is found and the damage is under your deductible the insurance will close the claim. You will have to pay for the damage under your deductible amount. Theft claims are typically not chargeable claims, and have little or no effect on your premium. If your vehicle has caused damage to anyone else’s property, the property damage section of your liability would cover this part of the claim. Property damage rarely has a deductible associated with it. You will need to consult with your agent to verify your policy.

Most cars that are retrieved by the police are found within the first 3 days. Joy riding is the most common reason for car theft. Many cars are found in different states abandoned on the side of the road. The laws change for the assailant if they are caught after crossing state lines.

If you have liability cover now and would like to know what it would cost to add Comprehensive Coverage on to your policy then contact our office, or get a free Louisville Auto Insurance quote online today.