Posts Tagged ‘auto insurance’

5 Steps To Properly Handle a Car Accident

Wednesday, August 27th, 2014

An auto accident is scary and stressful for everyone involved. In hectic moments we are not always ready to deal with an accident appropriately. Preparing and understanding how to handle a car accident ahead of time will help you act appropriately when the real thing happens. Here are the steps you should take when an accident occurs.

  1. After the initial accident if possible, move your car to a safer area away from traffic or put your hazard lights on to warn other drivers.
  2. Step out of your fully stopped vehicle and check on the other passengers involved. If anyone is injured then call 911.
  3. Collect the other driver’s information. The information you should have are the names of the driver and passenger, the license plate number, insurance information, the make and model of the car, contact information, and the location of the accident.
  4. Take pictures of the scene and the accident with any kind of camera you have at the time.
  5. Contact your insurance to file a claim.

Warrior Insurance in Monument Colorado can help keep your car as safe as possible with auto insurance. We take the time to assess our clients and understand their needs to find the right insurance coverage. Contact us today for more information.

 

Avoid These 4 Driving Mistakes To Prolong The Life of Your Car

Monday, August 18th, 2014

Some bad driving habits can go unnoticed but will cause costly damage to your car. You may be unknowingly wearing down your car with driving mistakes. If that stresses you out there is no need to worry. Stopping these 4 bad driving habits can seriously prolong the life of your vehicle.

  1. You may feel safer driving the brakes while going downhill but this can seriously damage your brakes. Grinding your breaks together while riding downhill can cause heat that will boil your brake fluids.
  2. Idling your car to warm it up can drain gas and wear on your car.
  3. Not filling up your car until it hits empty will cause fuel sediment to build up in your fuel tank which will eventually effect your engine.
  4. Accelerating too slowly not only can hurt your gas tank but can also hurt your cars performance.

Warrior Insurance in Monument Colorado can help keep your car safe with auto insurance. We take the time to assess the special needs of each of our clients. Contact us today for more information.

How to Handle an Out-Of-State Accident

Friday, June 13th, 2014

No matter when or where you are, getting in an accident is devastating. Would you know what to do if you were in an accident while road tripping across the country? Does your insurance cover you if you are hit or hit another car in another state?

If you are in an accident in another state you are required to comply with all the insurance requirements of that state. Car insurance companies are experienced in these situations so there is no need to worry.

The most important factor regarding out-of-state accidents is your liability minimum. If your liability minimum is 10/20/10 at home for bodily injury property damage and is 25/50/25 in the state you get in an accident in, you take on that state’s minimum requirements. This is not a permanent change.

Car insurance is required by law in each state so no matter what state you are in you will be covered. Before embarking on your next road trip, you may want to check the insurance requirements and regulations of the states you will be traveling through, so that you don’t come up with any surprises.

Warrior Insurance and Services Group is available around the clock to help you with all of your auto insurance needs. Contact us today to get started!

 

Components of Car Insurance

Monday, June 9th, 2014

In order to fully understand your car insurance premium you must understand all of its components. Your auto insurance premium will depend on a variety of factors that are out of your control and some that are in your control. What your policy covers is your choice and it is important to know what coverage you are paying for.

  • Bodily Injury Liability – Covers injuries and legal costs if your car injures or kills someone.
  • Property Damage Liability – Covers damages to any property caused by your car in an accident. This is typically a requirement in most states.
  • Medical Payments – Covers the cost of injuries to both you and the other part in the event of an accident.
  • Uninsured Motorist Protection – Covers injuries and damages made by an uninsured motorist or a hit-and-run driver.
  • Collision Coverage – Covers the cost of damage up to its calculated value. This coverage carries a deductible.
  • Comprehensive – Covers theft, vandalism, fire, wind, flood, and other non-accident caused damages. This coverage also carries a deductible.

Warrior Insurance and Services Group strives to provide Colorado residents with the absolute best care. Contact us today and speak with one of our experienced agents about updating your auto insurance policy.

Drowsy or Distracted Driving can be Lethal

Friday, May 2nd, 2014

According to data from the National Highway Traffic Safety Administration, drowsy driving is the cause of over 100,000 traffic accidents every year. Here are some tips on how to avoid this potentially lethal problem.

1. Adequate rest

Get the regular rest your body needs. But also, if you notice drowsiness behind the wheel, stop and refresh yourself. It could save your life, or that of someone else.

2. Know the signs

Be aware of the indications that fatigue is beginning to be a problem, and do not ignore them when you are driving:

  • Driving mistakes such as wandering out of lane or missing traffic signs.
  • Yawning, exaggerated blinking, or heavy eyelids.
  • Wandering thoughts or difficulty maintaining focus.
  • Trouble keeping your head up or remembering the past few miles.

3. Note extenuating circumstances:

  • Extra-long driving time behind the wheel.
  • Medications that might cause drowsiness.
  • Known sleep disorders.

Drowsy driving is one type of distracted driving that can be avoided with proper rest and awareness of the indications and seriousness of the problem. Do not take unnecessary chances with fatigue behind the wheel. Plan ahead so you have time to stop for a rest if you need to.

Your professional independent agent proudly serves clients in Texas as well as Colorado. Contact Warrior Insurance and Services Group in Monument for further information or a quote on auto insurance today.

Updating insurance before and after marriage

Monday, April 28th, 2014

He finally popped the question and the two of you are official engaged. Congratulations! There is going to be plenty of things to do and remember leading up to the big day, including making sure you have all of the necessary insurance coverage. When it comes to marriage and insurance, couples need to have coverage for the big day and update all necessary insurance policies.

In preparation of the big day it is important to have enough coverage for any unforeseen accidents. Check with the venue, or if getting married at home, your homeowners insurance for adequate liability coverage.

After the wedding it is important to update and combine all insurance policies. Add your new spouse to your auto insurance policy. Some couples see a reduced rate when they change their policy to include their spouse and add a second vehicle.

Other insurance updates should include:

  • Homeowners/renters: Update valuables coverage on these policies to include your spouse’s possessions
  • Umbrella insurance: Add an extra layer of protection to all of your insurance policies
  • Life insurance: Add your spouse as a beneficiary and/or purchase his or her own life insurance policy

Updating all of your insurance policies after marriage will not only ensure everything and everyone is covered, it may also help you save money by combining policies.

For more information about your insurance needs and what to expect after marriage contact the Warrior Insurance and Services Group in Monument, Colorado.

5 Ways to Keep Your Car Running Longer

Monday, November 11th, 2013

New cars are expensive. Therefore, as a car owner, you likely want to keep yours running and operating properly for as long as possible. Read below for five ways to do just that:

Follow the recommended service schedule:
The vehicle maintenance schedule, which is located in every owner’s manual,  is there for a reason. It reveals what services should be performed at what mileage. Following the owner’s manual suggestions for service is one way to increase the life of your car.

Let your car warm up:
Cranking your car and then immediately taking off can be detrimental to your car. This is because a cold engine, which is an engine that has been setting for longer than five hours, will not have much oil left in its moving parts. Waiting for 30 seconds after starting your car to move will ensure the engine is well lubricated. 

Check fluids regularly:
At least once a month, check on your car’s fluids and the tire pressure. The most important fluids to check are the oil, radiator overflow reservoir, brake cylinder reservoir, power steering fluid and transmission fluid. Check the tire pressure on a weekly basis. 

Drive calmly: 
Sudden stops and full-throttle acceleration is not good for a car. Therefore, it is best to avoid them when possible. Dive your car in a calm manner to help increase its life.

Listen to your car:
Every now and then, turn off your radio and listen for noises. Clicking noises or squealing sounds can indicate various problems. These issues should be taken care of as soon as possible, so it’s imperative that you realize they are present.

For more information about vehicle longevity, contact Texas and Colorado auto insurance company  Warrior Insurance and Services Group

 

Is Your Car Prepared For The Cold?

Friday, November 1st, 2013

Your car requires special attention when the weather turns seasonally cooler. In Colorado it can get pretty cold, so preparing your car for winter is a must.

Colder temperatures make many things more fragile. Have you checked your hoses and belts in the past year? Your antifreeze protection? How old is your battery? Older batteries fail most often when the temperature dips below freezing. While you are at it, make certain your heater and defroster are working properly.

Check your fluid levels

Antifreeze protection can be checked pretty easily with a hydrometer. If the fluid level is low, antifreeze can be added to boost your protection. If the radiator is still full but protection is weak, a full flush and replacement of coolant may be in order.

Your oil does hard work in summer heat. It may be time to replace it with a lower viscosity oil for the colder months ahead.

Check your battery to see that the terminals are clean and free of corrosive buildup. Your battery will need to crank the engine on some very cold starts, so it will need all the help it can get. Have it checked to ensure that it is fully charged. If not, it may be getting weak, or your charging system may need attention. Either way, you are tempting trouble when the temperature drops.

Other fluid levels that should not be neglected are brake system and window washer fluids.

Check tires, windshield wiper blades, belts, and hoses

Your car’s more elastic parts get brittle in the cold. If they are weak to start with, you may be asking too much of them to make it through the winter. Check tires, belts, and hoses for cracks, bulges, and wear. Check your wiper blades by using them and looking for areas that don’t get swept clean.

 

Restock supplies

You should confirm that you are ready with a good window scraper and something for added traction if you get stuck, such as sand or kitty litter. If you commute long distances make certain to have well-stocked took and first aid kits, and perhaps a blanket and reflective markers in case you are stranded.

And don’t forget your auto insurance. Make sure it’s up to date. Warrior Insurance stands ready to answer your questions on winter protection of all kinds, or to offer you a quote. We proudly serve Monument and the surrounding Colorado area. Give us a call or stop by anytime.

College Students: Package your Renter’s/Auto Insurance & Save!

Wednesday, August 21st, 2013

When a student goes off to college they may believe that they don’t need insurance on their belongings. After all, the landlord is certain to have insurance, right? The challenge is the landlord will likely only have insurance to cover his structure and his interests. A student will not have his personal belongings covered by the landlord’s insurance, including their very expensive electronics like tablets, smartphones and laptops. This will be up to the student.

There is renter’s insurance available to cover this property. Renter’s insurance is relatively inexpensive and it can be combined with the student’s auto insurance in a bundle to save even more. When renter’s insurance and auto insurance is purchased in one package, the savings can be dramatic. For anyone who has a student in college they understand they must save money where they can. If you are interested in learning more about this auto/renters insurance discount for college students, contact Warrior Insurance. We serve residents of Colorado and Texas and our family would love to assist your family. Contact us today at Warrior Insurance and Services Group, LLC. College is expensive enough without paying too much for insurance.

Are your Teens Delivering Pizzas this Summer? Check Their Auto Coverage.

Wednesday, July 17th, 2013

When young adults in your family start looking for a part-time job for the summer months, pizza delivery might be the answer they find. Delivering pizzas may not seem risky, but the increased amount of driving time will result in an increased risk of accidents.

Read the Current Plan

Before you allow your teen to start delivering pizzas as a job, read through his or her auto insurance policy to determine if they have appropriate protection. Pizza delivery is not a job that provides healthcare coverage, so you may want to add to the current plan to pay for medical expenses if your teen is involved in an accident.

Make Appropriate Changes

If your teen only has liability coverage, then it is usually best to get a better protection plan when he or she is delivering pizzas. Comprehensive protection is ideal because an accident may damage the car or cause injuries to the driver that are expensive.

Keeping your teen safe while he or she is working requires appropriate auto protection. Even though you cannot go with them on their job, you can ensure their vehicle is properly covered in case an accident occurs. To learn more about protecting your teen in Monument, contact Warrior Insurance.

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