Auto Insurance… Up Up And Away

White Car Cornering In Mountain Road With Speed BlurA North Bay Auto Insurance Update

When we speak about insurance, we try to remind people that there are things you can control and things that are out of your control. It is essential to focus your attention on the actions that can help keep your auto insurance premiums as low as possible. These include; driving in a safe manner, keeping your vehicle in good repair, educating your teens through driver education, and using an independent agent to shop your auto insurance.

There are also factors that are out of your control. According to the National Highway Traffic Safety Administration, these are the factors as to why auto insurance premiums are on the rise.

  • An increase in distracted driving accidents. Nine people die every day as a result of distracted driving, and 400,000 are injured annually. At any given time over 600,000 drivers are using mobile devices while they are driving.
  • Advance technology in newer vehicles. The cost to repair newer vehicles has increased due to the advanced technology utilized in newer vehicles.
  • Rising medical costs. Medical cost has increased by 3% in the last five years.
  • There are more vehicles on the road which increase the probability of having accidents.
  • The average cost of vehicle repair has risen by 24% over the past eight years.
  • Weather-related auto accidents cause billions of dollars each year.

There are many things you can do to keep your auto rates at the lowest level possible.

  • Review your deductibles. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your Collision and Comprehensive costs by 15 to 20 percent.
  • Encourage your student driver to get the best grades possible. Most major insurance companies offer a discount for students in good academic standing.
  • Select a safe car. Check out which cars are popular with thieves and avoid them. Also, the more expensive the car, the higher the premiums.
  • Be a safe driver. The more accidents and tickets you have, the higher the premiums will be.
  • Purchase a car with an alarm or LoJack. LoJack® Stolen Vehicle Recovery System provides car owners with peace of mind knowing that if their vehicle is stolen, they have the best chance of getting it back.
  • Be loyal. Many auto insurance companies offer loyalty discounts if you stay with them over time.
  • Check for other auto insurance discounts. These might include taking safe driver courses, senior discounts and more.

We are here to help you with your California auto insurance needs. We have access to many insurance products and can provide you with competitive premiums. We offer auto liability, auto collision and auto comprehensive coverage.

At North Bay Insurance Brokers we combine premium auto Insurance with personalized service to give you the best coverage possible. Our insurance specialists will work with you one-on-one to find a policy that keeps you and your drivers protected at all costs – for peace-of-mind driving assurance.

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The Crystal Ball Says

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When was the last time you reviewed your personal insurance coverage? The New Year is a great time to review your personal insurance. Most of us know that major life events can make it necessary to update our insurance coverage. But did you know that even subtle changes can have an impact on your financial needs and plans?  Call our office today, and we can help you find the right combination of personal insurance coverage and price.

Personal Insurance

  • Review my insurance to make sure I have the right coverage
  • Take the time to read my insurance policies
  • Does my independent agent have all my correct information, including new phone number, address, and newly purchased property?
  • Make sure I have identity theft insurance
  • Do I have enough life insurance?
  • Do I need life insurance for my spouse?

 Other Items To Consider (you may need insurance for some of these)

  • Bought a new car or sold a car
  • Changed your marital status
  • Bought a boat, RV or ATV
  • Change of address
  • Welcomed a new baby into the family
  • Major inheritance
  • Have a new teen driver in the family
  • Child headed off to college
  • Purchased second home
  • Plan foreign travel
  • Started a home based business
  • I now drive my personal car for work

North Bay Insurance Brokers is your trusted solution for homeowner’s insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.

 

 

Would You Like A Raise?

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When it comes to auto insurance, having options can be a very important way to save money. Putting money back in your pocket is one of our primary goals.  We know and understand the auto insurance market.  This allows us to provide you with the best possible combination of pricing, coverage and service.

Auto insurance rates

Auto insurance rates differ from company to company, so it really pays to have us shop your insurance. Some markets offer better rates for trucks, RV and campers, while others can offer better rates for motorcycles.

Auto premium savings

There are many things you can do to keep your auto rates at the lowest level possible.

  • Review your deductibles. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your Collision and Comprehensive costs by 15 to 20 percent.
  • How many mile you drive will impact your auto insurance premiums.
  • Look for discounts. There are many different discounts offered by insurance companies. These include multi-policy, good student, and more.
  • The kind of car you own can have an impact on the insurance costs. Do some research about a car, before you buy it.
  • Is your coverage appropriate based on the type of car you have? If you have an older car it may benefit you to consider raising your collision deductibles.
  • Get your policy up to date. Have you experienced changes like a new address, divorce or marriage? Call us for a policy review.

At North Bay Insurance Brokers, we combine premium Auto Insurance with personalized service to give you the best coverage possible. Our insurance specialists will work with you one-on-one to find a policy that keeps you and your drivers protected at all costs – for peace-of-mind driving assurance.

Now That Is One Sweet RV!

Motor HomeA North Bay Personal Insurance Update

As a Recreational Vehicle owner, you love to enjoy your “home away from home.”  You spend many hours cleaning and updating your RV in order to make sure your travel plans go well.  Regardless of whether you are relaxing at the lake or traveling through the Rocky Mountains, you need to take the proper steps to protect what you have worked so hard to enjoy.  Specialty Auto Insurance can protect your asset while giving you peace of mind knowing that if an accident does occur, you are protected.

RV Insurance Premiums

RV insurance rates do differ from company to company. It is important to have us shop your insurance to make sure you get the best insurance possible. There is no such thing as a one-size-fits-all insurance policy.  Some insurers offer better rates for trucks, RV’s, and campers, while others can offer better rates for expensive motorhomes.  We can cover class A, B, and C vehicles.

RV Insurance Coverage

  • Liability
  • Comprehensive and Collision
  • 24 hour roadside assistance
  • Uninsured/underinsured motorist coverage
  • Emergency expense money
  • Coverage for contents
  • Towing coverage
  • Medical payments coverage

Your standard personal auto insurance will not cover your recreational vehicle.  It is better to have coverage specifically designed to the needs and risks associated with your particular RV or travel trailer.

Our agency has a long history of proudly serving your area as an Independent Insurance Agency and representing some of the best insurance companies in the business. North Bay Insurance Brokers Inc. focuses on delivering quality insurance products with a personalized, hands-on experience that sets us apart in today’s market.

 

Are You Really Safe Using Uber?

Red smart car.

Red smart car.

If you use a taxi service of any kind, it is a good idea to consider a few safety precautions. Rideshare services such as Uber and Lyft have become increasingly popular as great alternatives to driving yourself or taking public transportation. Remember, if you are an Uber or Lyft driver, your personal auto insurance may not cover this exposure.  So call our office today to make sure you have the proper coverage.

You buy North Bay auto insurance to protect yourself when you have an accident or claim.  When something bad happens you want your auto insurance company to respond. But, with Uber or other ride sharing programs, you must rely on their insurance.

As these ride share programs become more and more popular, we are seeing more reported injuries and accidents. In some cases, there is minimal, or no, insurance to protect you. Click here for more information.

Ride Sharing Safety Tips

  • Tell someone your plans.
  • Check the driver’s rating on the app.
  • Check the identity of the driver before you get in.
  • Wait inside until your ride comes.
  • When you request a ride, ask to be picked up in a high traffic area.
  • Don’t ride in the front seat for health and safety reasons.
  • Never give cash.
  • The car should have some identification on the windows.

Our agency has a long history of proudly serving your area as an Independent Insurance Agency and representing some of the best insurance companies in the business. North Bay Insurance Brokers Inc. focuses on delivering quality insurance products with a personalized, hands-on experience that sets us apart in today’s market.

Proven Ways To Really Screw Up Your Personal Insurance

Green eco house concept

Get The Right Homeowner’s And Auto Insurance

Everyone is looking to reduce their North Bay homeowner’s insurance premiums. Many people often call our office with serious problems with their homeowner’s, auto or renter’s insurance. These problems often involve an accident or loss that was not covered, which could have been covered if our agency was involved. Selecting your personal insurance can be one of the most important financial decisions you make. Personal insurance is there to protect your home, family and assets from loss.

Here Are Common Ways People Mess Up Their Insurance

  1. They buy insurance online thinking that all insurance policies and companies are the same. Online policies require you to select the coverage. Recently, a woman bought her auto insurance online but did not click the collision box. She was in an accident and her car had $6,000 of uninsured damage. We work with our clients to help them understand coverage, and purchase the coverage that they really need.
  2. You sold your car to a relative, but still carry the insurance. This is a really bad idea. Often people have good intentions, but by doing this you put yourself at risk. Also, in most cases the sale may invalidate the insurance.
  3. A family member takes a job with Uber. Unfortunately, your auto insurance will not provide any insurance if you use your personal vehicle as a cab, commercial delivery or “for a fee” service.
  4. You rent, but do not have any renter’s insurance. Even if you rent, you still may have $10,000 or more in personal property, (TV, computers, cloths, guns, etc). Renter’s insurance can protect your personal property, for very little premium.
  5. You do not pay premiums on time. People often think that insurance is like a utility bill and payments can be late. If payment is late, the insurance company has the right to cancel coverage.
  6. People buy expensive jewelry buy don’t tell the agent. If you just bought your wife a new ring, and the value is over $2,000, you will need to add it to your policy. There are limitations for jewelry, so call our office for more information.
  7. You started a home business. Running a home business is not automatically covered under your personal insurance. You will need to make changes to your policy.
  8. If you have a change of marital status you will need to make changes to your insurance. If a loss occurs after a divorce, insurance payments can take much longer to figure out.
  9. Don’t use your auto policy for every little scratch and dent. It will only drive up your premiums.

Please call our office today if you need to make any changes in your insurance program. When you work with North Bay Insurance Brokers, Inc., you’ll experience the exceptional service and attention to detail that you can only find with an independent insurance agency.

 

Put The Brakes On Risky Driving… And Save!

Rear Side View Of A Sport Car In Blurred Motion

North Bay Auto Insurance Rate Increases

There are many factors that may cause your North Bay auto insurance rates to increase. These factors might include having a number of accidents, adding teen drivers or buying a newer car. The primary factors that will contribute to increased auto insurance rates are moving violations.  Also, drivers who file an auto insurance claim will see their rates climb by an average of 38% nationwide, while those who file two claims within a 12-month period can expect to pay nearly twice as much as claim-free drivers, according to a new report by Quadrant Information Systems.

The Most Expensive Auto Violations Nationwide Include:

  1. DUI—93% increase in insurance premium
  2. Reckless driving—82% increase
  3. Speeding—30% increase for 31+ mph over the limit

28% increase for 16-30mph over the limit

21% increase for 1-15mph over the limit

  1. Careless driving—27% increase
  2. Failure to stop—19% increase
  3. Failure to yield to pedestrians—19% increase
  4. Driving in a carpool lane—18% increase

How to Keep Auto Insurance Rates Down

  1. Be a defensive driver
  2. Combine your home and auto with one insurer. If you purchase your auto, homeowners and umbrella coverage from one carrier, for example, the impact of violations on premiums may be less severe.
  3. Use an independent agent who can shop your insurance on a regular basis.

You buy California auto insurance to protect yourself when you have an accident or claim.  When something bad happens you want your auto insurance company to respond. When it comes to auto insurance, knowledge is power. Here are some facts to help educate you about auto insurance. At North Bay Insurance Brokers, Inc., we combine premium Auto Insurance with personalized service to give you the best coverage possible