Monthly Archives: October 2012

Tips To Keep You Safe on Halloween

Halloween brings out lots of dangers – both for drivers and for trick or treaters. Follow these tips, and your Halloween will be the best kind of spooky.

Drive slowly, and don’t pass stopped vehicles. The driver might be dropping off children.

Leave your phone alone. Avoid distractions by waiting until you’ve stopped to call, text, or surf. (This is true any night of the year.

Watch for children darting into the street. Kids can cross the street anywhere, especially when they are all hopped up on candy. Most young pedestrian deaths happen at spots other than intersections.

Yield to young pedestrians. Children might not stop, either because they don’t see your vehicle approaching or don’t know how to safely cross the street.

Communicate with other drivers. Always use your turn signals. And if you have to pull over to drop off or pick up your kids, turn on your hazard lights.

And, to keep your own trick-or-treaters safe:

Teach them how to safely cross streets. They should look both ways and cross only at corners and crosswalks.

Consider alternative Halloween programs for younger kids. Many churches and community centers offer “trunk or treat” programs so you and your kids aren’t wandering the streets after dark.

Brighten them up. Give them flashlights and glow sticks, and/or use reflective tape on their costumes, so drivers can see them.

Happy Halloween from The Phoenix – now go out there and be safe.

Tips For Comparing Classic Car Insurance In New Mexico

Of all the collectible items available to the luxury investor, classic cars combine a sense of history with the thrill of owning and driving a slick ride. There are a number of major models that have caught on over the past century, and almost all of them are available to collectors who are willing to submit the right offer. We appreciate your interest in these cars and wanted to discuss some of the specifics here.

 Classic cars are usually more than twenty years old and are obviously no longer in production. A number of vintage and classic cars have persisted to the present day, but none of retained their classic feel. Sedans and convertibles were particularly popular in the last half of the twentieth century and are especially appealing to collectors. For those interested in trucks and larger vehicles, rugged tow-trucks and sport utility vehicles make a great complement to a smaller classic car.

 The first thing to consider when buying a classic car is, obviously, the way in which you will finance the car. Like with any major investment, financing is available to qualified buyers. For those with deeper pockets, classic cars are a relatively safe cash investment because they tend to retain their value at auction. In the event of recession or a tough economic climate, keep in mind that classic car auctions are much less successful in obtaining sale prices.

 Value preservation is another important thing to consider, so we think it is best to purchase special classic car insurance, which is more specialized and tailored to the needs of classic car owners. These plans usually protect against price inflation, have stipends for part replacement, and offer special roadside assistance. Insurance companies offering this type of insurance know that classic cars are an investment, not merely a consumer good.

 Keeping your car safe from the forces of nature is also a critical topic. Storing your car will aid in preserving its value and will ensure that the body and interior of the car remain representations of its classical style. Wintery locations with salted roads and byways can corrode and rust a cars body and ruin the interior of the car. Additionally, warmer or tropical climates tend to tax the cooling system, radiator, and oil levels, systems of the car that do not necessarily operate optimally in a classic car.

 Once you look after these necessary points, you might wish to expand your collection. You could include antique cars, which are generally older but less functional than classic cars. You could also investigate a luxury car purchase, will is usually highly functional but significantly more expensive. Once you begin accumulating a collection, we are sure that you will have years of automotive joy and a particularly entertaining investment.

The Phoenix Insurance specializes in classic car insurance.  We’re car fanatics and know exactly what it means to want to protect your passion.  Give us a call, we can help protect what moves you.


Looking For Classic Car Insurance In Missouri? Here’s Some Helpful Tips

As the owner of a collector car, you are well aware of the many responsibilities that come with your new purchase. The market for historical cars is an ever-changing one, and given the material nature of your collector car, it is important to insure it so as to prevent any major losses in your investment. Standard car insurance plans are usually insufficient for the dynamic pricing and renovation that collector cars are subject to, so we recommend that you purchase collector car insurance.

Collector car insurance is, in many ways, like standard car insurance. Claims service is promptly handled by excellent insurers–they are aware of how seriously collectors are about their investment. Collision and accident coverage are usually included, as with regular car insurance. Many companies also offer specialized roadside assistance in the event of an accident.

Usage policies are slightly different for collector cars. A tiered system of mileage allows you to indicate how much you will actually drive the car, making sure that you pay only for the miles that you use. This tiering system also allows the insurance company to evaluate how much value protection your car needs. In any tier, most plans protect you and passengers in the event of injury, cover a large portion of medical expenses.

Unlike the standard car insurance program, collector car insurance protects your collectible against loss in value. Generally, insurers will cover the “real” value of the car, even as it is adjusted for inflation. Thus, in the event of an accident, you can be sure that your payout will not depreciate your investment. If you add new parts to your car, you might also be eligible for additional insurance that automatically takes effect as soon as you modify the car’s body.

Some additional features might be required for some owners. If you plan to travel frequently in your collector car, you will need special traveler insurance. Additionally, if you plan to leave the country, you might need additional insurance. Customized plans are available for any major upgrades you plan to make, or if you plan to use the vehicle in a business capacity.

Whatever plan you choose, remember to carefully gauge the price of the plan and to compare plans through the internet or via an auto guide. Once you purchase a plan, be sure that you fully understand the conditions of the plan and that your purchase a plan matches your intended usage levels. After you buy collector car insurance, sit back and enjoy the ride in a piece of automobile history!

The Phoenix Insurance specializes in classic car insurance. We’re car fanatics and know exactly what it means to want to protect your passion. Give us a call, we can help protect what moves you.