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A visual guide to car maintenance

Stay on top of your car maintenance to avoid problems down the road. This infographic shows you the areas you need to focus on.

Click on the picture to read more:

Car maintenance basics

Five questions that can save you money on car insurance

When it comes to car insurance:

There are a number of ways to reduce your premium. And in today’s tough economic times, every little bit helps.

Car insurance protection

Asking your local independent agent the right questions can mean big savings. Leading car insurer Progressive recommends asking these five questions:

Can I save by shopping around? Car insurance rates can vary by hundreds of dollars between carriers, so check the rates of several companies to make sure you’re getting the best deal. Last year, people who switched to Progressive and saved reported saving an average of $550 on their annual premium. And because an independent agent represents several companies, he or she can quickly and easily compare rates for you.

Am I carrying the right amount of coverage? Owners of older or inexpensive cars could consider dropping Comprehensive and Collision coverages. Doing that can save hundreds of dollars each year.

Is my policy up to date? If you’ve moved, gotten married, or bought a home, check with your agent – you may be eligible for lower rates.

Should I raise my deductible? According to the Insurance Information Institute, raising your deductibles to $500 could reduce your Collision and Comprehensive costs by 15 to 30 percent.

Do I qualify for any discounts? Ask your agent if your carrier offers reduced premiums for certain car features like anti-lock brakes. You might also be eligible for discounts if you pay in full, own a home, are a loyal customer, have no recent tickets or accidents, sign up for paperless billing, list another car on your policy, and more.

To learn more about car insurance, talk to your independent insurance agent.

Your checklist to get your car ready for summer

Get your car ready for summer

While our winters are not as long and cold as up north, we still need to take car of our cars and get them ready in time for summer season.

See a useful list check list to know what specifically to look for from checking the tire pressure, testing your battery, checking coolant to attending to windshield wipers and fluids.

Also, before you go on a road trip and as good practice before summer check your insurance policy and see if any changes need to be made.

Call your trusted South Daytona-Port Orange-Daytona Beach insurance agent at Sherzer Insurance at 386.788.3500

Collector’s Car Insurance Policy – Do’s And Don’ts

Collector’s Car Insurance Policy – Do’s And Don’ts
Auto insurance is something drivers simply must have. However, it can be very difficult to look through all of the insurance plans to find one that is right for you. This article will help you understand some of the tips that make a big difference in how well the insurance process treats you.
Most states have laws that require you to carry appropriate auto liability insurance when you drive. All citizens should know how much insurance coverage is necessary in your state. If you’re uninsured and happen to be in an accident, no matter if you’re at fault or not, you will be liable for both the monetary consequences and the legal consequences for driving without insurance.
Even just a lapse of auto insurance for one day can end up costing you higher premiums. You may experience breaks in your coverage when you switch carriers or policies. Insurance companies will raise your rates if they see gaps in coverage.
When signing up for your auto insurance, remember that only you are covered unless you specifically add others to your policy. Many drivers lend their car out to a friend, only to find that the friend’s accident is not covered because they were not listed on the driver’s policy. If you have people driving your vehicle on a regular basis, you could purchase coverage that covers additional people. However, this comes at a higher price.
Trade in your sports car for something more insurance friendly. Insuring a sports car costs significantly more than insuring other vehicles. Try going for a low-profile model. When it comes to insurance, larger motors cost more to insure. Expensive vehicles are frequently targets of theft. This factors into your insurance cost.
The best advice in getting auto insurance is to keep your driving record spotless. Your premium may go up if you get into an accident. Know your driving limits, and avoid risks that could cause accidents. If you have a hard time seeing at night, you shouldn’t drive during this time.
If you increase your deductibles, you can save money. This is a risky move, but if you want to save money each month and have the willpower to put money away to pay a deductible if you are in an accident, it is a great way to save money Your premium will cost less if your deductible is higher.
Before moving, consider the possible changes in the cost of insurance. Some areas cost a great deal more than others. The rates can change depending on if you live in a rural or urban area, and they vary from state to state.
Having sufficient insurance can protect someone should they ever have an accident. The insured will be required to pay a predetermined deductible determined by their insurance provider.
Do no drive if you do not have car insurance. You will be saved from a pile of financial trouble by having car insurance. The advice in this article should help you choose the best company and coverage.
Call your #Sherzerinsurance agent with any questions your might still have 386.788.3500
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