Tag Archives: car insurance advice

The Not At All Annual Phoenix Insurance Holiday Gift Giving Guide 2016 (Part Two)

I feel like I did pretty well writing about insurance related gifts in the first installment of The Not At All Annual Phoenix Insurance Holiday Gift Giving Guide 2016. I also did a really good job of researching that first blog for gifts, and I ended up with enough to do a part two. As the great Jerry Reed once said, “when you’re hot you’re hot” , and I am about as hot as I am going to get at doing this task for our independent insurance agency. As I look out of the window here at our Dallas World Headquarters, the weather is beautiful, and the boss is buying lunch for our office, and promises to unchain me from the blogging table as soon as I write a few more blogs about home insurance, and auto insurance.

Buckle up, buttercup; here are more of the best gifts for 2016 that might just help to keep your auto insurance and home insurance rates down.

 

  1. Vino To Go Double Wall Acrylic Tumbler. $10.79 for two.

 

Put white grape juice in and let the kids use them in public!
Put white grape juice in and let the kids use them in public!

 

So I know it says “to go”, but I am legally bound as an insurance man to say that you shouldn’t use these for “to go” wine situations, unless you are just a passenger. I think they are a great gift for your friend who has a white carpet but loves red wine. There are lots of home insurance policies that cover “all risks”, including a red wine stain on the white carpet. Obviously, avoiding making a claim for a red wine stain will keep your friend’s house insurance rates down, which is a wonderful gift for you to give. As a bonus, there will be broken glass should they refill too many times and fall down.  I think it was Ben Franklin who said, “A plastic tumbler that looks like a wine glass keeps the liability insurance claims away!”

Buy Here! 

 

  1. D-Link Wifi Water Sensor $59.99

 

I'm actually buying myself one of these when I finish this post.
I’m actually buying myself one of these when I finish this post.

Like the Nest smoke detector we talked about last time, this is one of those fancy new “connected home” devices. This one will alert you via an app on your phone if you have sudden water rising problems, and are not at home.  Inevitably, that’s when you are going to have flooding problems, and guess what – flooding absolutely ruins your home insurance rates. If you can find out immediately, you have a better change of limiting damage to your home, bumping that water damage insurance claim up, and washing away your home insurance savings. (See what I did there?)

Buy Here! 

 

  1. CellControl Drive ID $129.00

 

this is a super neat gadget as well.
this is a super neat gadget as well.

 

This neat gadget is a “jammer” of sorts for your teen’s (or your own) cellphone that keeps you from texting while your car is moving. I can about guarantee that your teen won’t see this as a gift, but hey, they also don’t really understand that life is a gift, am I right? Texting is a big problem while driving; look around sometime.  2/3rd of drivers are out there driving distracted, paying attention to their phones rather than piloting their 3000 pound death machine. Obviously not having a car accident will keep your auto insurance rates down, and keeping your  17 year old from killing people while he texts  his buddy an “LOL” at the dank meme he sent will keep you from having a liability insurance claim on your record. Win/Win.

  http://cellcontrol.myshopify.com/

 

 

  1. Fire Resistant 8 Gun Safe. As low as $349.00

 

Lock your stuff up. It just makes it safer.
Lock your stuff up. It just makes it safer.

Sure, this is a gift for the gun lover in your life; but it’s also a gift for anyone who has things to protect. The little personal sized fire safes are all well and good, but they are small, and don’t hold much. This safe will resist fire, can bolt to the floor,  and hold lots of things – so it’s actually three gifts in one. It protects your stuff in general, and it protects you from making a theft claim on your homeowners insurance, as well as making an inflated fire claim on your house insurance. (I know they are the same thing, but hey, this is an insurance blog, so deal with my keywording, will you? )

Buy Here! 

 

 

There you have it: lots of gifts you can buy that have the potential to keep the recipients paying the lowest rate for their auto insurance, home insurance, and even their liability insurance.  Now the big question is “how can I afford to buy these gifts? “. There are a couple of answers to this question, and the first is that love has no price tag. The second answer is for you to call us today for an car insurance or home insurance (or even an insurance package) quote today. Our licensed advisers will make the process simple, and you will wonder why you haven’t given yourself the gift of great insurance service until today.

Have a happy holiday season from all of us here at The Phoenix Insurance.  

5 Things You Need To Do If You Have A Car Accident

It happened again; One of my Dallas friends who is also an auto insurance client called me late last night, frantic, asking how being involved in an auto accident was going to effect his car insurance rates. As usual, I asked if he had the other party’s insurance info, and as usual, the answer was “the police officer got it”. I will answer his question here first; in general, an accident is not going to have an immediate effect on your car insurance rates. You have insurance to protect against the financial hardship an auto accident can bring, so don’t worry about a minor fender bender. It may be emotionally draining, but it shouldn’t be a financial hardship – that’s why you have insurance.

Now for the important part of this blog post. What do you need to do if you have had an accident. All of these steps are if no one is hurt. Obviously tend to people first.

  1. Pull off of the road if at all possible.  This is the first thing you should do. If both of your cars can move, pull out of traffic to exchange information. It’s safer than sitting in traffic trying to have a conversation, and has less of an impact on traffic.  How many times have you sat in 20 extra minutes of traffic because two people got into an accident and were busy chatting and trading information while rush hour traffic snarled up around them? Don’t be that guy.
  2. YOU get the other driver’s Information. This is the big one – most people I talk to say “well, the police got their car insurance information and put it on the report.” That’s no good, because the information may not be correct, and also, you don’t get a copy of that police report immediately. It may take a week for the report to be availaible to you so you can start the calims process with the other insured’s company. MAke sure you take a photo of their ID card, their DL, and their car.
  3. If at all possible, call the claim in to their company immediately. Why wait? If you let the other driver drive away from a car accident, memories fade, and the whole idea of whose fault it is starts to shift. When you call the insurance company 2 days after an accident, suddenly the driver who was saying “I’m so sorry, it’s my fault” at the scene of an accident is pretty sure that this was all your fault, and that there is no way their company is paying.
  4. Don’t count on them paying to fix your car out of pocket. This happens a lot; people don’t want to “get their insurance involved” and offer to pay to fix your car on their own. This rarely works out well, but if you are inclined to give it a shot,get their car insurance information first. In my experience, the repair cost is always higher than they can affor or understand, and you end up going through insurance anyway. Save yourself some hassle and just get the insurance information anyway.
  5. If there are any witnesses, YOU gather their information. People rarely stop for a minor fender bender, but if there are any witnesses, get their information yourself. Your auto insurance company is going to want that info, and once again, if it is locked up or incorrect on the police report, then having a witness is of zero value to you. Get their name and phone number, and if you can, even record their statement to submit to your insurance company. Have them state their name, telephoine number, and the current date and time at the beginning f your recording.

These are the basic things you should do in the event of an auto accident to make sure you have all of the information nescessary to ensure an good outcome with the insurance companies. In addition to having all of this information, you should take a few minutes to go over your insurance once a year to ensure that you are protected correctly, and that you are not missing any coverage on your auto insurance. At The Phoenix Insurance we actively check your policy every year at renewal and ensure that you are not paying any more for your auto insurance than you need to – and that lower cost doesn’t mean lower protection.