Insurance is necessary in most states at least to some extent. The legality of insurance isn’t the only reason why people in Albany NY should have insurance. It could protect a person in more ways than they may know.
1. Protect Assets
Without insurance, it puts a person legally and financially responsible for damages done in an accident. The person will either have to pay out-of-pocket or may even lose their house or other valuable possessions to pay for the debt. Those who don’t have assets will be in debt to the other party until the entire sum is paid off.
2. Peace of Mind
The stress of not having insurance can be overwhelming. The person worries about the financial burden an accident can lead to. Without insurance, the person worries about getting stopped by the police and the fines associated with getting caught. The person worries about something happening to their vehicle that could prevent them from getting around, especially back and forth to work.
3. Satisfaction of Following the Law
Breaking the law can give a person a guilty conscious. They feel a certain amount of anxiety that’s associated with doing something wrong and fearing the consequences. However, having insurance gives a person the satisfaction of following the law.
4. Prevents Hassle to Others
When person doesn’t have insurance, they inconvenience the other party with the burden of bills that might not get paid right away.
To have a peace of mind with an insurance policy that caters to the consumer, a person should contact NY Twin Bridges Insurance Agency, serving Albany, NY and the surrounding area, at 518-608-5797.
If you live in Burlington, NC and love to throw the family in the car and go on vacation in nearby states or within North Carolina, then you may be a pro at driving long-distance. But are you? Here are some tips for staying safe on your next long distance drive that you might not have thought of.
When driving long distances you will want to remain alert. One way to do this is to chew gum. The repetitive process has been proved to increase alertness and circulation and you can get the same affect with sugar-free gum.
Another way to stay alert during a long drive is to have the scent of peppermint in the car. This natural smell is a pick-me-up that has been proven to reduce fatigue and increase awareness. Look for a peppermint-scented air freshener. You can also keep a handful of peppermint flavored candy or gum for easy access.
Take a Siesta
People are naturally drowsy from 1 pm to 3 pm when the body temperature heats up. During this time, stop and take a break, even take a nap if you can. If not, then use this time to get out and stretch for a few minutes, which you should be doing every couple of hours. This is also a good time to switch drivers, if possible.
At Don Allred Insurance, we love giving driving tips. And we love talking about auto insurance in Burlington, NC. If you’re looking for a new auto policy or want to change an existing one, call Don Allred Insurance today to speak with a friendly agent.
When you budget in your home insurance for the month, you may wonder if it’s eating up too much of your take-home pay. But taking shortcuts when it comes to your home insurance won’t hurt anyone but you and your property in the end. Here are a few tips to keep your premium in perspective from NY Twin Bridges Insurance Agency.
Albany NY Homes
The homes in your neighborhood aren’t just places to live — they represent the hard work, careful planning, and sacrifices that have been made to afford a certain type of lifestyle. No matter how much you paid for your home, you need to remember the emotional and financial investment that went into the process. Saving your home from everyday calamities and major disasters alike isn’t something that only the very rich should do, it’s what every homeowner needs if they want their property to pay off in the long run. When you make that monthly payment, you’re buying into the future of your home and your family.
Finding People to Help
When you think that your budget can’t handle the premium, it might be time to talk to someone who knows more about what that means. Nothing is worse than being alone in a crisis. NY Twin Bridges Insurance Agency has agents who have worked on practically every scenario under the sun, and we can make it easier for the people of Albany, NY to navigate their policies. Our agency won’t try to sell you on a policy you have no use for, only remind you of what’s really at stake when it comes to your home. It’s our privilege and our pleasure to help you, so give us a call today to find out more.
Everything you do has a ripple effect on the people around you. Litter your property with junk, and your home will become an eyesore that can cause good buyers to shy away from your block. Neglect your house, and criminals may start thinking that you’re not going to be around to notice if they choose to target your area. But buying home insurance can be just one way that you reverse these types of effects. Start appreciating your premium a bit more when you consider all the good it does for both you and your corner of the world.
Don Allred Insurance gives people the financial means to get their properties back in order when things go wrong. Whether that’s because of a bad storm in Burlington, NC or because a thief broke a few windows, taking care of the problems allow people to maintain the structural integrity of their home as they go about their daily lives. Too often things happen to homes when the owner doesn’t have the money or the time to fix it. Over even just a little bit of time, it can compromise the rest of the home and start making the neighborhood look shabby.
Don Allred Insurance knows sometimes it just takes one person doing the right thing to influence other people to do the same. Taking care of your property can inspire other people to do the same, and promote responsibility. It’s not only necessary to keep home values up but also means that vandals won’t feel comfortable being in a neighborhood where they feel as though they’re being watched. Call Don Allred Insurance if you live in Burlington, NC, and want to learn more about it all.
Most people think that they’re paying too much money for auto insurance. The independent insurance agents at Don Allred Insurance in Burlington, NC work many different insurance companies. We’ll find out if you’re paying too much money for car insurance. If you are, we can switch you to a different insurer at any time. Here are some major factors that go into what you’re paying.
High Horsepower Machines
Some cars are made for speed. They have high performance power trains, steering and braking. Expect your car insurance premiums to reflect more speed and increased risk for an insurer.
You’re Driving with Some Tickets on Your Record
Many drivers with large collections of tickets also bring increased risk to their insurance company. The longer you collect those tickets, the longer you’ll be paying higher premiums.
If you opted for a low deductible, you’ll be paying higher premiums. On the other hand, a higher deductible can translate into lower premiums. If you’re comfortable paying a higher deductible in the event of a claim, you could start saving money now and in the future.
You’re likely to pay higher rates if you’re under the age of 25. A spotless driving record, some added experience and a clean claims history should lower that premium rate once you’ve hit 25.
The Dreaded SR-22
If you’re driving record is such that an SR-22 is required, you’ll probably need about three years of ticket and claim free driving before the SR-22 requirement can be lifted. Start keeping the pedal off the medal today to lower your future rates.
Let our independent insurance agents at Don Allred Insurance in Burlington, NC shop your rates for you. Call us at 800-280-2230. We’ll use our connections for you.
When something goes wrong around the house, do you just factor the repair or replacement into your budget for the month? There are a variety of scenarios that people may be able to call upon their home insurance agent, but they don’t even realize that they can get full or partial reimbursement for whatever has gone wrong. Don Allred Insurance wants the people of Burlington, NC to know more about how it all works.
What’s Your Worst Fear?
Is your large dog constantly causing accidents as they walk around the house? Are you afraid of having the wrong person on your property who will sue you if they trip over a toy or a stray piece of furniture? Did you recently read about the effects that water damage can have on your home? Have people been breaking into the trunks of cars around your neighborhood? Whatever it is you’re afraid of, you can talk to a home insurance agent to find out more about a policy that may be able to help.
If You Don’t Know, Ask
The worst thing that can happen in Burlington, NC is that your policy doesn’t cover a situation, so it never hurts to ask. The more you know, the more confident you’ll be the next time something goes wrong. Not every particular situation can be covered in a policy. It would be too complicated to list everything that could happen under the sun! Instead of wondering, you can always call your insurance agent to discuss. They may be able to suggest altering your policy if needed for next time Don Allred Insurance is here to ensure you get the most of your policy, so if you’re looking for more coverage, now is the time to call us today.
When you get into an accident, a Fender Bender, or experience any damage to your automobile, it’s important to know how to file a claim. The sooner you file, the easier it will be – and our agents at Don Allred Insurance will be available to assist you every step of the way.
You want your car repaired quickly so you can be back on the roads of Burlington, NC in no time at all.
It’s important to let the insurance company know exactly what happened. Photos will make it easier to determine the extent of damage, even before an adjuster has a chance to look at everything. You may want to take photos on the site of the accident, including photos of your car, any other cars that were involved, as well as any other damage that was created.
Most accidents will involve calling the police department out. They will create a police report, or at the very minimum, a driver information exchange form. They should be collected and submitted to the insurance company when you file your claim. Provide the insurance company with more information about the drivers as well as what happened.
When you are ready to file an auto claim, you can generally do so online or over the phone. Much of this will depend on the insurance company as well as the total extent of the damage. Many insurance companies make this easier than ever, and you can simply log into your policy online to submit at least the basic details.
You will need your insurance policy number as well as all of the details to the accident.
Contact us at Don Allred Insurance today to learn more about filing an auto claim as well as getting help with affordable auto insurance in Burlington, NC.
Purchasing a home insurance policy is not a task that should be taken lightly. Quite the contrary, ensuring that you maintain a quality home insurance policy on your home is almost as important as maintaining the home itself. Do you live in Burlington, NC and need more information? The following is an overview of three reasons to purchase home insurance in North Carolina.
Natural Disaster Protection
An area that is certainly well-acquainted with natural disasters, natural disaster protection is one of the top benefits of purchasing home insurance. While there is no way to prevent natural disasters, purchasing a quality home insurance policy is an excellent way to ensure you’re able to acquire the necessary resources to clean and repair your home after the disaster has ended.
In addition to that, home insurance policies can also protect the equity of your home. Despite the fact that there’s a variety of variables with the propensity to negatively affect the equity of your home, a quality home insurance policy is a great way to ensure your home does not drastically decrease in value.
Burglaries, Theft, and More
Lastly, although a policy can’t prevent these things from happening, it can ensure that you and your family are made whole following such an unfortunate incident. Purchase a home insurance policy to lessen the aftermath that follows burglaries and thefts.
Let Don Allred Insurance handle your insurance needs. A premier insurance company in Burlington, NC, Don Allred Insurance provides stellar customer service, competitive rates, and much more. Don’t get caught without coverage. Call us today and find out how to get covered and save!
To keep other drivers in your household from wrecking your insurance rate, you can add an exclusion to your insurance policy. Here are a few things that many people may not know about insurance exclusions in Burlington, NC.
What is an exclusion?
An insurance exclusion is a document that specifically outlines drivers who are not permitted to use your vehicle for any reason. Driver exclusions will last as long as you have your policy unless you explicitly add that person to it. However, in the state of North Carolina, most of the time you cannot exclude your spouse from your policy. There are a few exceptions to this rule, so you may want to contact the helpful agents at Don Allred Insurance to determine whether you need insurance exclusions on your policy.
Why might a policy have an exclusion?
Suppose your college aged kid moves back home or you allow a roommate to move into your home. Maybe you share a household with your brother-in-law who has a terrible driving record. To keep your insurance rates from hitting the ceiling, you may want to add an exclusion to your policy.
What happens if you ignore an exclusion?
If a driver who is excluded on your policy drives your vehicle and has an accident, the wreck will not be covered under your normal insurance policy. The damages to your vehicle and other drivers’ vehicles as well as medical costs will be your responsibility to pay out of pocket. You should not allow excluded drivers to use your vehicle under any circumstances.
What happens if an excluded driver ignores the exclusion and uses the vehicle anyway?
To protect yourself, you should treat an excluded driver who uses your vehicle as if he or she stole your car. This will allow your insurance policy to pay for damages, but you will need to file a police report to prove that your vehicle was used without permission. The excluded driver will face charges for car theft in that case as well.
If you have questions about auto insurance exclusions, contact Don Allred Insurance, serving Burlington, NC, and the surrounding area.
Have you ever thought about hosting a party at your house? What about having a pool party? No matter the type of party you want to host, there are some critical details you need to pay attention to help ensure everyone has a safe and fun time. Here’s a quick look at the top three things to keep in mind when hosting a party at your home.
1) Limit the Alcohol
Serving alcohol at your party is a great way to help the guests loosen up and have a good time, but there is such a thing as too much alcohol. You don’t want your guests becoming heavily intoxicated because this greatly increases the odds of an accident taking place and someone becoming injured. Also, if you are going to serve alcohol, you should make sure you monitor who is driving. Never should you let someone leave your house if they are over the legal limit for driving? If you do, this could fall back on you, and you could be liable for any accident that happens.
2) Be prepared
Sure, you may not know exactly how many people are going to show up, but you should do your best to get a round about idea. With a good estimate of how many people are going to show up, then you can better prepare regarding food, beverages, space, and more.
3) Set a time
It is a good idea to not only give a start time for your party but an ending time as well; this will help you to be comfortable in asking guests to leave once the party has ended, which helps provide you with time to clean up.
To learn more about hosting a party at your house and home insurance, contact Don Allred Insurance serving the Burlington, NC area.