Choosing the right type of insurance coverage for your vehicle can be confusing. While you want to save money, you need to protect your investment as much as possible in case an accident occurs. If you live in the Raleigh, NC area, you can call Young Insurance Associates Inc if you have questions about what collision and comprehensive forms of coverage.
Collision insurance will only cover damages received during a collision. This is basically accident insurance that covers damages to the exterior of the car if it is involved in any type of accident that involves a collision with another vehicle or an object. In some cases, if the dollar amount of the damage exceeds the value of the vehicle, the insurance adjuster will declare the vehicle a total loss.
Comprehensive insurance coverage is often required by lenders who hold a lien on a vehicle. This ensures that their investment is protected as long as the buyer owes money. A comprehensive insurance policy covers all types of loss including broken windshields, hail damage, theft, vandalism, and collision. While this type of policy is more expensive, it provides full coverage for events that occur more frequently than a collision.
The agents at Young Insurance Associates Inc encourage their clients to get a policy evaluation every few years to determine if their insurance needs have changed. If your vehicle is old enough, comprehensive insurance may not be needed. In some cases, a PL/PD policy may suffice. If you live in Raleigh, NC or any of the surrounding communities, contact your insurance agent and schedule an appointment today! They will make sure you have a policy in place that best suits your needs.
Full coverage insurance is required by lien holders to protect them in case anything happens to the vehicle. Full coverage in many cases, insures that the company who puts in a significant amount of money will not be at a loss if something happens to your car and you default on the loan agreement. In the state of north Carolina liability is required by law, and full coverage is required as part of most loan agreements. Many people choose to drop their full coverage after they fulfill their loan agreement to save a little on the difference of cost. It may seem like a way to pinch pennies but keeping full coverage, even when not required can end up saving you significantly.
- The difference in cost is not significant, in fact the better your driving record the less the cost in general. It is not that much more to keep your car fully protected, so why not go above the minimum.
- When an accident does occur, the last thing you need to worry about is whether or not you are protected. If you have full coverage, chances are that you are indeed protected (check your terms when you purchase insurance). This means you can focus on healing your body and repairing your car, not the regret that you will also have to pay out of pocket for repairs.
In the end the cost of a new car is going to be significantly more than the cost of insurance. Contact us at Young Insurance to discuss your insurance needs to make sure that you are fully covered no matter the situation. We serve Raleigh, NC and the surrounding areas.
Being responsible in Raleigh, NC isn’t just about getting to work on time or remembering that your child’s clarinet practice ends at 6 p.m. on Wednesdays. Being out on the road means taking the responsibility of a car seriously. It doesn’t mean you have to be nervous when you’re on the road or in fear that you’ll make a mistake, but it does mean that you need to pay careful attention to the details. That means keeping an eye on swerving drivers in front of you, and having the right insurance policy to protect you against a calamity should it occur.
What a Driver Needs
Young Insurance understands what the people of Raleigh, NC need to do more than just remind themselves to put their phone down when they’re on the road. Drivers need safety nets to fall back on if they want to continue to live their lives the way they want. Just one accident can make it much more difficult to save, and it can force people to make decisions when they’re defenses are likely down. When you have the right auto insurance policy that covers you from weather, criminal and careless driver behavior alike, you always have someone to call when you’re in need.
Finding Some Help
Young Insurance can give you more information if you’re looking for a policy that’s right for you. We give you the opportunity to take care of any gaps in the coverage you have now. We can walk you through the different kinds of policies to find the one that’s really going to serve as a protector for you and your family in the coming months. For more information about rates or services, call us to see how we keep the drivers of Raleigh safe.
If you are looking at moving, chances are you are also looking at moving costs. Outside of your employer covering moving expenses, transporting all of your belongings is a pricey ordeal. That is why it is important to do everything in your power to save money during the moving process. At Young Insurance, we know whether you’re moving to Raleigh, NC, leaving the city or are simply in the area, you want to save money and we aim to assist you doing so.
Streamline What You Don’t Need
This is the perfect time for you to streamline what you do and do not use. After all, why should you pay money for boxes, moving services and spend time moving what you just never use. First, hold a yard sale. That is a good way to cut some of your items. Then, try to post items on services like eBay and Craigslist, offer up items to Goodwill and donate to local charities. This helps rid your home of costly items and it helps lighten your load.
Why Pay for Boxes
Speaking of boxes, why should you pay money for hunks of cardboard when you can pick it up for free? You just need to know where to turn. Stop by local liquor stores and ask for boxes they no longer need. These are extremely strong and there is always a large number of boxes available, so you’ll likely never need to buy boxes ever again.
Use Movers Just For Large Items
Don’t just rent out a moving crew for the entire time you load up the truck. Pay for an hour or two so they can move in the heavy material. From there, do the rest of the loading yourself (or ask for help from friends).
Aggressive driving is a problem, and these unsafe behaviors, such as tailgating and speeding, may lead to road rage. The scary thing about aggressive driving is that it can be fatal. It’s known to play a role in 2/3 of traffic fatalities. Half of people who encounter this type of driving behavior will respond in kind instead of backing off.
The good news is that you can take measures to keep aggressive driving from turning into road rage. If someone is tailgating you, simply move over out of the way. In a tense situation on the road, wave to show you are sorry to defuse the situation. Think about whether you’ve accidentally annoyed another driver and make changes to your driving if you have. Try to avoid using your horn, and if you encounter an angry driver, avoid making eye contact. Listening to music can even help when you’re driving. Remember, staying calm can keep aggressive driving from turning into something more serious and potentially deadly.
What causes road rage? You may be surprised at some of the reasons drivers end up dealing with road rage. Some experience it because they are stuck behind someone who is driving slow. Not being allowed to pass can also result in road rage, as can being given the finger while driving. Road rage often occurs because of two drivers who are fighting over the parking space they want. Being cut off, being tailgated, and having someone honk too much are also common reasons that road rage occurs.
Aggressive driving is a common problem that causes many vehicle accidents. Make sure you’re protected with a good auto insurance policy. Contact Young Insurance today for a new auto insurance policy or for a review of your current policy.
Traveling can be a lot of fun, but driving in another country is a little scary. Are you following all the local laws? Even if you are, are you driving in a way that might be considered rude here, even though it’s acceptable in the US? How do you deal with cops in your new country? Will your Young Insurance policy keep you covered abroad? Here are some legal points you need to know when driving overseas:
You’ll Need an International Driving Permit
When driving overseas, you’re going to need an international driving permit, as well as your state-issued driver’s license. Make sure to keep both on you at all times.
Pack the Local Driver’s Manual
You’re probably not going to be able to memorize all of a country’s road rules before you have to hit the road, but if you head to the country’s equivalent of a DMV, you should be able to get an English-language version of their manual that you can keep in the glovebox so that you always have a resource you can check when you don’t know what to do. A travel companion who can read relevant rules to you as you drive will be invaluable.
Don’t Skimp on Liability Insurance
You don’t know what can happen out there, and the chances of a fender bender or scrape-up are increased when you’re learning the rules of the road all over again. Your insurance provider may be able to set you up with a liability policy for a rental car abroad, but if not, car rental agencies offer additional insurance packages, and many credit card companies allow their users to buy insurance for rental cars through their card.
Call Young Insurance today to make sure you are covered for your next international traveling excursion.