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Temporary Auto Insurance 101

If you are an infrequent driver, you may want to put your money towards a temporary car insurance policy as opposed to a long-term auto insurance policy. Temporary insurance policies are those that provide the necessary coverage for specific dates of driving. This type of insurance is not automatically renewable and is only suitable for those that fit the necessary criteria.

Criteria for Temporary Auto Insurance:

  • If you are between policies but still need to drive
  • If you are insuring a rental car for a cross-country road trip
  • If you will have house guests that need to drive for a short period of time
  • If you have temporary ownership of a vehicle
  • If you have a vehicle in storage that needs protection
  • If you have a car that you will be selling soon
  • If you have out of town visitors that will be using a car for a short period of time
  • If you have a college student home for vacation that will need to drive a car for a short period of time
  • If you need immediate drive-away insurance after you’ve just purchased a new car

Contact the insurance experts at Save-On Insurance Services for all of your Los Angeles auto insurance needs. We can help determine if your needs require a temporary auto insurance plan.

 

Documents You’ll Need After An Accident

No matter how prepared you are, getting in an accident is a traumatizing experience that leaves you feeling stressed and overwhelmed. The best way to ease these worries is to prepare yourself for the unexpected so that you will be able to focus most of your time and energy on reliving the trauma. Compiled is a list of the essentials you should have in your car so that you will be better prepared if an accident were to occur:

  • Proof of Insurance – If you keep your insurance card with you or in your car, you’ll save the hassle of trying to prove you are insured. This will also help you avoid any penalties if you are pulled over for a traffic violation.
  • Vehicle Registration – You should have a physical copy of your vehicle registration in your car at all times. Like your insurance card, failure to provide proof may result in a fine by the DMV.
  • Accident Preparedness Kit – Have a camera, pen, and paper ready to take down the other driver’s license plate number, driver’s license number, make and model of the car, and auto insurance policy and company information.

Contact the insurance experts at Save-On Insurance Services for all of your Los Angeles auto insurance needs.

 

Foggy Car Windows? Clear It Fast To Stay Safe!

We love our cars, whether the weather outside is hot and sunny or cold and dreary, our cars are our friends. However, when the windows in our cars are foggy, our friend can turn on us in a short amount of time and can actually become dangerous. Here’s how to clear your foggy windows without having to wipe them down, hot weather or cool:

– Warm outside/cool inside: This usually means the condensation is on the outside. The fastest way to clear your windows is to use your windshield wipers and warm up the inside of your car by turning down your AC. Also, turn off or leave off air recirculation to allow the moisture and heat inside your car to come closer to the outside air.

– Cold outside/warm inside: All too often, this is when the condensation is on the inside of your car and you’re tempted to wipe it off with your hand, a towel or whatever else is handy. While this may help in an emergency, the best thing to do is turn on your defroster to blow warm air onto your windshield to cut through the condensation. Also, getting the inside of the car as cool and damp as the outside air by opening your window or using the defroster vent to blow cool air on the condensation works as well.

When it comes to making sure your windows are clear, starting your car and letting the windshield have time to warm up or cool down and allow the condensation clear is best. Regardless of all our best safety precautions, things do happen and having great auto insurance means we have financial safety precautions in place as well. If you live in the Los Angeles, California area, contact Save-On Insurance Services to get a quote on updating your auto insurance policy. There’s no assurance like great insurance. 

What a Basic Auto Insurance Policy Covers

Every state in the US mandates that car owners have insurance if their vehicles are to be driven on public roads. For most people, it’s worth it to buy more types of auto coverage than is mandated, but for some, the minimum is enough.

What do get with the most basic coverage? The laws in each state are slightly different, but a basic auto insurance policy will typically cover liability for bodily injury and property damage. Coverage for your own medical expenses if you are injured in an accident is also common, though this part can be waived in some states if you already have a health insurance policy that covers such things.

The main thing to keep in mind is that the coverage on a basic car insurance policy covers your liability to other people. It doesn’t cover your own expenses for fixing your car, and unless you have the personal injury protection (PIP) component, it won’t cover your own injury expenses. Therefore, you may want to add more coverage types, such as collision and comprehensive, to beef up your policy.

For more information about auto insurance in California or to get a quote, please contact Save-On Insurance Services in Los Angeles.

Teen Drivers Require Every Possible Advantage

Parents worry about distracted driving, overconfidence and indecision when their teens are behind the wheel.  Selection of a well-equipped vehicle could reduce the chances that the teen will be involved in a crash.

  • Electronic Stability Control – An automobile equipped with ESC will take control if the teen is unable to control a skid or sharp turn.  This feature is on every 2012 make and model of vehicle.  The expense of having a teen drive a new car might be outweighed when the technology saves the young driver’s life.
  • Anti-lock Braking System – Wet roads require driving skill that can be assisted with brakes that will not lock and cause skids.  ABS adjusts the brake tension automatically to allow the car to retain contact with the pavement.
  • Airbags – In a crash, teen drivers will benefit from the deployment of airbags.  Bumps and bruises will heal faster than severe injuries incurred from rattling around in a rolling vehicle.
  • Proper maintenance – Good tires and proper air pressure work together to make the car even more safe.  Teens should be taught how to check fluid levels and tire pressure each month.

For all your auto insurance needs, contact Save-On Insurance Services to get a quote, today!