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Whatever happens, the safety of our family and our home is always our top priority. Thanks to advancements in security technology we now have access to systems that are far more comprehensive and effective at protecting the ones we love.
Some of these systems are designed to prevent break-ins and burglaries while others provide foolproof surveillance. Depending on your needs you can create and deploy a residential security system that offers the best of everything.
Let’s discuss some smart security systems that feature state of the art technologies to protect you, your family and your precious home.
Remote Home Monitoring
Innovations in locking systems have evolved far beyond the conventional sense. Modern smart locks do not require a physical key. Instead, you can punch in a code or use fingerprint recognition.
The more common method includes the use of ‘digital-keys’ placed in smartphones. The homeowner has the ability to ‘manufacture’ such keys which come in the form of digital codes and can send them to others online. So if you have an unexpected visit by a friend or a plumber, you can send them a key through your phone, giving them one-time access.
Furthermore, smart locks also come equipped with audio and video recording capabilities enabling you to keep a log of everyone who passes through the doorstep. Some versions have sensor-motion capabilities that take pictures whenever there is movement in front of the door.
Remote LED Lighting
It’s not surprising that most burglaries happen when homeowners are away on vacation. One solution to eliminate the risks of break-ins is to install remote LED lights. This system will allow you to turn the lights on and off while you’re away, giving the impression that it’s not empty.
That’s not it—remote LED lights also have a range of other useful applications for example, they can be used by seniors who have mobility issues. Similarly, you can put together different LED color temperatures to create ambient lighting systems for your home that change colors at the press of a button.
While these technologies were expensive earlier, both in terms of installation and maintenance, things have changed. With a number of producers offering a diverse array of security systems and automated products, their prices are now within every homeowner’s reach.
If you are considering affordable and effective ways to protect your home and your family, start off by purchasing a homeowners insurance policy. Contact us today for cheap home and car insurance in Bradenton, FL!
Especially when purchasing auto insurance, it is imperative that you are aware of all the factors that may affect the cost and extent of coverage you receive.
Unfortunately, a number of widespread myths have led to misinformation being passed around as fact when it comes to car insurance. Although no one really knows how they began or who started them, believing in them can cause you to select the wrong coverage and lead to long term financial losses.
In this blog, we try to dispel some of the most common auto insurance myths out there:
1. The Car Color Affect the Price of Auto Insurance
Your car’s color could fall under any shade of the spectrum and it wouldn’t affect the price. Factors which do affect the price of auto insurance include the model, body type, make, engine, age, and size of your vehicle. Other factors may also be considered like the likelihood of the car being stolen, the cost to repair it, its overall safety record, the age of the driver, and sometimes even the credit history of the owner.
2. Soldiers Have to Pay a Higher Amount
It’s quite the opposite. If you happen to be in any branch of the armed forces, you become eligible for auto insurance discounts. Most places require official documentation, time of enlistment, and rank. Some might even allow for the option of speaking to your commanding officer. Certain companies even allow discounts for the soldier’s family members.
3. It Costs More for Older-Aged Citizens
Again, the opposite holds true. Older drivers are more likely to be eligible for discounts. Those over the age of 55 receive a cost reduction for their auto insurance premium provided they successfully complete the accident prevention course (offered by the AARP, AAA, and also through local and state agencies). Such offers also extend to unemployed individuals and retirees. The percentage of discount varies across different states so always remember to check up on your eligibility.
4. Your Credit History Has No Effect on the Insurance Rate
Your credit-based insurance score definitely matters. Having a positive score demonstrates your ability to effectively manage your finances and is considered a strong predictor of whether someone will file an insurance claim or not. This is taken into consideration by the company when you’re purchasing, changing or renewing auto insurance policy. Having a good credit score allows you to pay less for insurance.
5. The Business Car is covered By Your Personal Auto Insurance
Even in case of self-employment, your personal auto insurance may not cover for any damages which make it important to also get a business vehicle insurance. If the car is being used by your business employees, make sure to check up on their driving records.
Apart from the myths on this list, there are many others floating around which act as deterrents and prevent vehicle owners from gaining the full benefits of auto insurance policies. Contact us today for cheap car insurance in Bradenton, FL.
We have a team of experienced customer support representatives, who are always available to address your concerns and queries, helping you save and make informed decisions!
Among the many factors taken into consideration when formulating an auto insurance policy, the age of a vehicle is one of them. Usually, insurance rates for an old vehicle are lower when compared with newer ones because they are less expensive. That being said, there are still other factors that can cause the cost of insurance to vary significantly.
In this blog, we answer the question: Is it cheaper to insure a new or an old car?
The Value of the Vehicle
Depreciation causes the value of any vehicle to reduce over time, which is why the insurance rates are comparatively cheaper. The lower value results in reduced liability for the insurer since the cost of the car’s repair is roughly the same amount. Since the insurance company is only liable to cover the replacement cost, the replacement value is exceeded by the repair costs.
Older Vehicles Do Not Require Comprehensive and Collision Coverage
For a simple reason: in case of a collision, it is not worth spending a considerable sum on repairing an older vehicle. Removing comprehensive and collision coverage from the insurance policy can half the cost of the monthly premium.
High Cost of Repairing Newer Vehicles
Newer vehicles have a higher value than older ones. This leads to higher costs of repairs for the insurance company.
That being said…
Safety Features Lead to Lower Rates
There’s good news though! Because newer vehicles come equipped with all kinds of safety features—anti-lock braking system (ABS),adaptive headlights, a blind-spot detection system, A lane-departure warning system, automatic seat belts,anti-theft systems,driver-side and passenger-side airbags, backup cameras—that lower the risks of accidents significantly, the cost of insurance may be lower.
Older, Used Cars are Dependable
Buying a newer vehicle provides a high level of comfort. You know that it hasn’t undergone major repairs and comes with warranty coverage. However, the standard of car manufacturing has been raised considerably since the past few decades. Used vehicles are sturdier, reliable, can go on for tens of thousands of miles before requiring costly repairs and are even sold by dealerships before undergoing careful inspection.
Financially speaking, it makes much more sense to purchase a used car which has been maintained in good condition by the previous owner (which would include tire rotations, routine break checks, oil change, and car wash) considering that a brand-new car loses nearly 20% of its value when it first hits the road and 30% by the end of the first year.
The older vehicle won’t only cost you less but will have lower insurance costs as well.
Finally, there are many other reasons apart from the price which determines the choice of car purchase such as the driver’s age, marital status, gender etc. Whichever choice you end up making, we take into consideration our customer’s budget and offer cheap car insurance quotes in Bradenton, FL. Contact us today!
Do you firmly believe in the saying, ‘What you don’t know can’t hurt you’?
Unfortunately, that doesn’t apply to auto insurance policies. It’s a considerable car expense and it doesn’t help if you end up making mistakes—the more mistakes you make, the higher your premium will be.
In this blog, we highlight the most common mistakes you make that increase auto insurance rates and how can you avoid them.
Not Researching Discounts
Since competition is tough in the insurance industry, most companies have amazing discounts on offer throughout the year—we don’t see them cause we don’t research the right way. You may not be eligible for all of them, but chances are you will at least qualify for one of them.
Examples of circumstances which make you eligible for such discounts are:
· Your vehicle having a high safety grade.
· Having a family member in the military
· Owning a home.
· Going through a defense driving course.
· Owning a hybrid vehicle.
Even if you install an anti-theft feature in your vehicle or manage to shorten your commute distance, call up your agent and ask if you qualify for any discounts.
Focusing Only On the Price
Auto insurance ads all have a striking similarity: how cheap their services are when compared to the competition.
However, only focusing on the price when deciding which policy to purchase is not the wisest move. Sure, everyone wants to save money but when shopping for car insurance you should also consider the benefits of the policy, the company’s reputation, and its approach to claim management.
Sticking to the Legal Minimum
Not surprising, considering how everyone wants to pay the least amount possible. While you may have cost savings in mind, going for the legal minimum can end up costing you some real money.
Consider the following: What is your liability in case you bump into a luxury vehicle? How much is the liability when an un-insured driver rams into your car? Also, what happens if your vehicle gets damaged during an unexpected thunderstorm?
Plan strategically and if you can practically afford a higher payment, go for it!
Canceling Your Previous Insurance Policy Too Soon
It’s tempting to cancel your current policy right away, now that you’ve planned to switch to another insurer, but it’s not the smartest move. Getting a new policy will involve questions about your previous coverage and even a 30-day delay can make you ineligible for discounts while increasing your next payment outrageously. Conversely, most carriers offer lower prices for clients with previous, ongoing coverage.
Making sure that you avoid these mistakes when buying your next car insurance policy can help you save big! Looking for a policy that satisfies all your concerns and needs? Contact us today to acquire cheap car insurance in Bradenton, FL!
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