Author Archives: Tony Moreno

6 Ways to Save on Motorcycle Insurance

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motorcycleWhether you enjoy riding a cruiser or sport bike, selecting the right motorcycle insurance policy doesn’t have to be a stressful! In fact, there are quite a few simple tips you can use when searching for the motorcycle insurance plan that fits you and the amount of time spent on your bike. Unlike most other automobiles, the majority of riders only take their bikes out for rides during certain seasons of the year. Since coverage is based on how often you use your bike, you might be able to save if you are only an occasional rider. Continue reading below to find six simple tips you should know when choosing your motorcycle insurance policy!

1) Join a Motorcycle Club – Lots of motorcycle clubs have different affiliations with insurance companies to let them offer discounts to group members. If you’re a member of a motorcycle club, consider asking the president if any companies offer a discount. If none of them do, then perhaps you should speak with a local agent in town in order to discuss setting up a partnership for the group.

2) Look for Bulk Discounts – You’ve probably seen commercials about how customers can “bundle and save”. It’s true, you really can save a bit of money by bundling. If you currently have insurance for your other vehicles and home through one company, be sure to ask about what kind of additional discount you can receive for adding on motorcycle insurance as well.

3) Choose the Right Coverage – Liability coverage is mandatory inside all US states, but you may also want to add collision and comprehensive coverage too. Comprehensive coverage will save you in the instance of any non-accident related issues such as theft, while collision coverage will pay for any damages if you are involved in an accident.

4) Be Sure to Compare – The insurance industry works just like electronics and food industries do. Companies are always competing to try and give the lowest price, but if you don’t shop around then you’ll never give them the chance to match or beat offers. Make you sure do some shopping and compare quotes before you buy.

5) Cover Your Extras – Even though collision coverage will generally pay for normal repair costs if you get into an accident, this type of coverage might not protect any custom enhancements such as chrome accessories, custom paint or a sidecar. Be sure to know what extras are covered when deciding on a policy.

6) Make Your Bike Safe – A safer motorcycle will also lead to lower insurance premiums. Make your bike safer by keeping tires fresh, chains tight, fluids full and anything else you can think of. Not only will it save you money, it will also be much safer for riding!

One great thing to remember is that you don’t need to spend extra money to save. Most of the tips listed above won’t cost you a dime, but still have the ability to save you extra money each month. It’s important to remember that you shouldn’t rush to buy motorcycle insurance. Instead, it’s recommended you spend some time comparing the different quotes you receive to then decide which one will best suit your riding needs.

Call us today @ (909) 986-2550 or submit for a quote here.

What Does Auto Liability Coverage Mean to You?

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liabilityInsurance policies and coverage terms often go by the wayside and under the radar of most policy holders. But how much knowledge you have of your policy often coincides with whether or not you end up with the raw end of the deal if you have an accident. Liability coverage is a touchy area that is not commonly understood but ought to be. Our goal is to help you better understand what liability coverage means for you and your family in case of an accident. Here are three areas you should understand before you sign off on a policy.

Auto Liability Coverage’s

Depending on the policy, most auto liability coverage secures you in the following incidents up to the amounts listed beside them:

– Property Damage/ dependent upon the limit you set anywhere from $25,000-$100,000
– Bodily injury liability limit per person injured/ you establish the max payout on your policy
– Bodily injury liability limit per accident/ you establish this limit

Collision & Deductibles

Collision coverage is slightly different than comprehensive coverage but can be added to be your policy apart from comprehensive. Collision protects your car in the case of an accident. It doesn’t cover any damage done to another vehicle but if you hit a tree or other stationary object your damage is covered.

Deductibles determine the amount you have to pay your insurer out-of pocket to receive the coverage limits you’ve sent. So if you have a $500 deductible you have to first come up with the $500 before your insurer will pay for any damages incurred in the accident.

Property Damage

Property damage liability covers damaged property and may include any loss of use you experience.

Why Choose More Coverage?

Many people choose to opt for the bare minimum of coverage that the law allows, but you get what you pay for, and if you choose a policy that does not cover bodily injury or property damage you could set yourself up for lawsuits. For the price of a cheap lunch you can upgrade your policy from liability only to more comprehensive coverage. Why not have you and your family fully protected from financial woes by opting for more insurance? Call Tony Moreno Insurance today at (909) 986-2550 or contact us online and talk to an agent to set up more extensive coverage on your auto policy today!

Choosing the Right Automobile Insurance Company

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pick-the-right-auto-insuranceWhen it comes to choosing the right automobile insurance company, it is important to partner with a financially stable and reputable insurance company. It is very significant to learn and understand what kind of automobile insurance company you are looking for, whether to choose an automobile insurance company with cheap prices or the ones which offer costly insurance policies. It is very important to find the real differences between the two.
So, while selecting the right car insurance company, you have to give attention to some relevant points, which can help in deciding the best car insurance company appropriate for your particular requirement.

  • Importance to reliability: The first thing you need to consider is whether the automobile insurance company is reliable or not. The company must have good reputation for settling the claims. For instance, various companies offer cheap prices for automobile insurance, but at the time of settling the claims usually give big headaches to the automobile owners. In this case, it is advisable to choose companies which are offering costly insurance policies but give great service. It is also important to check for the time taken by the company for completing the whole process of settling the claims.
  • Check for the complaints: At the time of selecting the right automobile insurance company, make sure to pay notice to its complaint ratio. This will clearly show the number of insurance complaints received by this company versus the number of insurance complaints settled by it. If the ratio is higher, than the company is unreliable.
  • Type of insurance policy: The next thing is to check is the kind of insurance policy given by the company. It is vital to decide beforehand which type of policy you require and if the automobile company is offering that type of policy or not. At same time, it is important to give attention to the kind of claims actually entertained by the company. For instance, companies with cheap price policy might not cover some important claims.
  • Checking the exact cost of premium insurance: It is vital to select the accurate premium plan for the car insurance. While selecting makes sure you are in the position to afford the premium plan offered by the automobile insurance company.
  • Visiting different types of forum: At the time of finding the best car insurance and service, you can also visit various online forums, which offer information about the automobile company selected by you.
  • Gather Quotes: It is very helpful to gather recommendations from family members and friends about a particular car insurance company. It is always better to seek for their opinion in order to make the right choice for automobile insurance company.
  • Discounts: various automobile insurance companies offer certain kind of discounts for new insurers or for certain period of time. This is usually done by companies offering cheap price insurance policies to attract customers, which might be a bad idea to look for.

Hence, while selecting the best car insurance policy you can refer to the above mentioned points or give us a call at (909) 986-2550 or online.

Simple Tips to Help You Save on Auto Insurance

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drivingAlthough drivers might be required by law to have automobile insurance, it doesn’t need to be expensive. In fact, there are a number of very simple things you can do to help save extra cash on your automobile insurance policy each month. Believe it or not, most consumers are actually overpaying for their insurance plans by just paying their monthly premium automatically each billing cycle. Instead of doing that, it’s recommended you take some time to read over each of these five suggestions out below. Consider all of these money saving tips next time you’re thinking about changing or upgrading your policy.

 

Vehicle Options

The different options that come with your vehicle can save big bucks! Extra features like an alarm or the fact that your automobile is kept inside a garage can be one of the easiest ways to cut costs on your auto insurance. It’s something to think about before you purchase a car, and is definitely something to remember to tell your insurance agent once you’ve purchased the car. Some agents won’t ask you this kind of information so it’s important you make it clear to them.

 

Automobile Maintenance

Those who ride motorcycles or drive business vehicles should also note that it’s important to keep everything on your vehicle well maintained. Factory motorcycle parts and service can be expensive. By keeping your bike clean and running smoothly it will make your engine last longer and require less time inside a shop subsequently causing your insurance premiums to rise. The same goes with business vehicles that are driven for long hours each week. Be sure to keep up with oil changes and fill all fluids to prevent them from a trip into the shop.

 

Maintain Good Credit

Just like most other things we buy as adults, insurance premiums are also partially based on your credit score. So, maintaining a good credit history will help bring your monthly rates down. This is another easy method for saving extra money because it requires virtually nothing from you! Your rates can go down just by paying all your bills on time each month and maintaining good credit.

 

Bundle and Save

Since most insurance providers offer multiple kinds of insurance (Auto, Home, Life, etc.) members can often save extra by having multiple policies with the same carrier. Consider buying your home (or renters), automobile, and life insurance all from the same company. By bundling all of these together you’ll often get a hefty discount on each of them. Also be sure to ask your provider about group insurance discounts for signing up your entire family!

As you can see, all of the suggestions above are simple inexpensive ways you can save extra money when buying auto insurance. Along with these tips, remember to take your time and plan to get quotes from multiple companies to see who is the most affordable. It’s also a good idea to look up you’re driving record before getting any type of insurance quote online. By knowing what’s on your driving record you should also have an idea on what to expect when you are getting quotes for insurance premiums.

What Parents Need to Know About Insuring Teen Drivers

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Proud teenager girl to drive a carThe majority of teenagers dream of being able to drive a vehicle on their own, but most of their parents dread the day their teen gets his or her drivers license. This might be because, according to a number of studies, teenage drivers are highly more likely to be involved in an auto collision than older drivers. It’s definitely no surprise that the highest risk of your teen driver being involved in an accident is usually within the first months after he or she receives their drivers license and begins driving solo. If you are the parent of a teen who will soon be driving, check out these bits of helpful information to help you choose the best auto insurance policy for your entire family.

Higher Rates – One thing that parents of teenage drivers need to be prepared for when adding their child to their auto insurance policy is that your rate will most likely increase. This is because teen drivers pose a higher risk when behind the wheel as compared to older drivers with more experience.

Car Type – Many auto insurance companies will give parents discounts when adding their teen to their auto policy if the vehicle they will be driving is a safe model. It’s recommended you avoid having your teen drive a compact sports car, truck or SUV, as adding these types of cars to your policy can mean you’ll be paying a whole lot more each month. Cars with larger bodies and enhanced safety features are ideally the best ones for novice teen drivers first learning how to navigate the roads and highways.

Drivers Education – Insurance companies often provide parents with lower rates if their teen has completed and passed an approved driver’s education course. These classes are usually fairly inexpensive and will really help your teen learn the laws of the road and proper techniques to practice safe driving. See if the school your teen attends provides a discount on a drivers ed course offered locally or perhaps look at enrolling him or her in an accredited online course. If your teen is more of a hands-on learner, it’s best to enroll him or her in a class offered locally by a licensed professional.

Good Student Discounts – You may be surprised to find out that some auto insurance companies offer what’s called “good student discounts”. These kind of discounts are offered to students who maintain good grades at school and are a great way to keep them motivated to achieve their very best. This is because statistics show that students with good grades are generally better drivers than those who struggle in class.

Of course every teen needs to be insured before hitting the road, but it’s important to note that parents don’t necessarily have to add their teen to their auto insurance policy. It might actually be cheaper for some teens to have their own separate policy and this is usually only applicable to those who drive fairly older vehicles. Contact us today and speak with one of our agents to discuss the coverage options for you and your family.

Dwelling vs. Home Owners

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homeowner-policyWhen shopping around for an insurance policy to protect your home you may realize that there are two main options for people who own their own home: homeowners insurance and dwelling insurance. Don’t know what the difference is between the two? Deciding which type of insurance you need for your home doesn’t have to be a tedious confusing task. Here’s a bit of useful information you need to know when deciding between a home insurance policy and a dwelling policy.

A dwelling insurance policy is most commonly used to cover investment properties or second homes because it only insures the building itself and doesn’t cover any personal property inside unless you add extra coverage. Dwelling insurance covers the structure of your home from all kinds of natural disasters like fires and storms, with the exception of floods or earthquakes. Since dwelling insurance does not provide any type of liability coverage, the owner will not be protected and will be held responsible if someone were to get injured on their property.

Many insurance companies define a primary residence as somewhere you live for at least 6 consecutive months and recommend you protect you and your property with a quality homeowners policy. Enrolling in a homeowners insurance plan covers your structure, similar to dwelling insurance, as well as provides standard coverage along with personal property and personal liability protection.

Unlike dwelling insurance, homeowners policies usually also cover other structures on your property such as detached garages and sheds. Homeowners insurance doesn’t only protect your home, but your personal items such as furniture, appliances and clothing as well. If something happens to your home making it uninhabitable, most homeowners insurance providers will assist you in providing you with temporary living expenses while you fix it or look for a new home, which is not covered in any standard dwelling insurance policies.

For more information and to find out how we can assist you, please email us or call Tony Moreno Insurance at (909) 986-2550

Why Get Insured Before Traveling to Mexico

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travel-to-mexicoA vacation to Mexico is a great quick getaway from the daily grind, especially for many residents of border states like California. Many American travelers making their way to their favorite Mexican destinations often forget that they are entering a whole other country due to its proximity and never bother to insure themselves. When traveling to a foreign country, it’s high recommended that you purchase a travel insurance plan to cover you and your family in the event of theft, loss or any emergency medical issue. Although, keep in mind that most policies do not cover extreme sports or dangerous activities such as scuba diving, motorcycling or parasailing.

If you’re driving your vehicle across the Mexican border, you’ll need to make it a point to insure your car in case it develops mechanical problems while on your trip or if you are in a wreck. For vehicles driving into Mexico, it’s actually required that you have proper insurance and if you are renting, you’ll need to pay an additional premium to be covered on the other side of the border. You can purchase auto insurance at the border, but you’ll more than likely save more money by exploring your options and making arrangements before you begin your travels.

Many basic medical insurance policies here in the states don’t provide coverage when you’re traveling outside of the country. Be sure to check with your provider while planning your Mexican vacation and if you’re not covered, you’ll want to purchase a premium separately because when it comes to health care, Mexico does not have any reciprocal agreements with any other country and does not accept Medicare. In the event of a medical emergency, a non-insured tourist will have to fork over the money out of pocket to pay for any care, treatment, or medications he or she needs. This is why it’s important to arrange to have your travel insurance situated before you depart for a stress free travel experience.

For more information and to find out how we can assist you, please email us or call Tony Moreno Insurance at (909) 986-2550