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Posts made in August 2020

cop car in side mirror

How Traffic Tickets Can Affect Your Car Insurance

Auto insurance in Glendale, AZ, is supposed to protect you should you get involved in an accident. It helps to cover repair costs, and it may also feature some benefits that allow you to stay on top of things while you are waiting for things to get back to normal.

However, if you have been the cause of multiple accidents, or if you have a habit of racking up traffic citations, then your insurance carrier might demand more from you. Traffic violations can affect your insurance premiums. While carriers don’t have the power to revoke your license, they can raise your rates to the point where it can be very difficult to drive. In extreme cases, they might drop your coverage completely.

How Long Infractions Stay on Your Record

Just like the DMV, your insurance carrier keeps a tally on how many traffic violations you have committed. These include speeding citations, DUIs/DWIs, and collisions where you are at fault.

Many auto insurance companies offer discounts to those who have a clean driving record. On average, if you have been accident-free for at least five years, you could see a reduction in your premiums. The amount of the discount, and how long you need to have a good record, depends on your carrier. You will want to get in touch with them to see if you qualify and for how much.

If you’ve been involved in accidents, then your insurance carrier will keep a tally on you. These points can last for up to 10 years, depending on the offense. In many cases, you’ll see a rate increase of up to $800 after the first accident. If you get too many citations, then your carrier might choose not to renew your policy at all.

Consider that Arizona mandates that al motorists have an auto insurance policy, and you can see how being unsafe on the road can cost you in more ways than one. Be sure to read up on the details of your insurance policy, and always do your best to make good decisions while behind the wheel.

young couple moving into new home

Your New Home: What to Do First

Moving into a new place can be an exciting experience–especially when you’ve closed on a home. With moving day fast approaching, it’s essential to take stock of what you need to do after you’ve settled in. Here are a few things that should be at the top of your To-Do List.

Get Homeowners’ Insurance

A home is an investment as well as a place to live. As such, you want to take measures that can protect you in case something goes wrong in your home. You should purchase homeowners’ insurance in Glendale, AZ. Many policies are available that provide coverage that can come in handy if you need to make repairs in case of severe weather or an accident.

Change the Locks

It is always a good idea to make sure only you and your family can access the new home. Change out the locks at all of the entryways and make new keys as well. In addition, verify that all of the doors and windows can close securely.

Check Your Circuit Breaker and Water Supply

The move-in period can be hectic, and the last things you need are electrical or plumbing failures slowing you down. Locate your home’s power panel and make sure it is appropriately labeled and functioning. Also, find the main supply valve to your plumbing system and verify that it can shut off the water. If anything seems amiss, contact your local plumber or electrician.

Being a homeowner should be a rewarding experience–and you will learn many things along the way. As with any investment, you want to make sure you are doing everything you can so that you may enjoy the things you own. Many agencies that offer homeowners’ insurance also provide products that can help you protect your belongings–including your automobiles. Contact your local agent to learn more about your options.


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