Now Is A Good Time To Start Your 2018 Insurance Planning

insurance-1337564_640When was the last time you reviewed your personal insurance coverage? The New Year is a great time to review your personal insurance. Most of us know that major life events can make it necessary to update our insurance coverage. But did you know that even subtle changes can have an impact on your financial needs and plans?  Call our office today, and we can help you find the right combination of personal insurance coverage and price.

Items To Consider (you may need insurance for some of these)

  • Bought a new car or sold a car
  • Changed your marital status
  • Bought a boat, RV or ATV
  • Change of address
  • Welcomed a new baby into the family
  • Major inheritance
  • Have a new teen driver in the family
  • Child headed off to college
  • Purchased second home
  • Planned foreign travel
  • Started a home based business
  • I now drive my personal car for work

Personal Insurance

  • Review my insurance to make sure I have the right coverage
  • Take the time to read my insurance policies
  • Does my independent agent have all my correct information, including new phone number, address, and newly purchased property?
  • Make sure I have identity theft insurance
  • Do I have enough life insurance?
  • Do I need life insurance for my spouse?

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

 

 

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I Just Got a Ticket…Will My Auto Rates Go UP?

car-1531277_640 (1)Have you recently had the bad luck of receiving a speeding citation? A ticket for speeding or other moving violation may increase your auto premiums. Some of this depends on the timing of your ticket and your renewal date. If you have had several traffic violations in a three year period, your carrier may decide to drop you. We will always search the market for the best alternative for all our clients.

Your auto insurance rates are determined based on how risky the insurance company considers you to be. Insurance carriers will have different methods for calculating risk, and thus different methods for determining rates.

Violations that relate to unsafe driving that will cause your premiums to increase include:

  • Drunk driving
  • Texting while driving
  • Failure to stop or yield right of way
  • Speeding
  • Reckless driving
  • Failure to stop at a light
  • Speeding in a construction zone

One leading industry research company studied 500,000 drivers and found that auto premiums went up by 20% after one of the violations listed above. Remember these are national averages and your individual circumstance will apply to what the carrier may or may not do.

Driving safely may be enough for you to avoid any spikes in your premiums. Of course, if your rates go up, they can also go down. By being a safe driver, you may see the price you pay for auto insurance decrease over the years.

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

Lower Your Commercial Auto Expenses

background-1566507_640A commercial auto insurance review

If your business owns any vehicles, you know the costs associated with them have increased over the past few years.  We are not just talking about the increase in commercial auto insurance.  Many other operating costs have increased including general maintenance, repairs, and fuel.  There are some practical things a business owner can do to help reduce commercial auto expenses.

Business auto insurance

Make sure you train all drivers on the latest safe driving techniques.  In addition, have our agency market your insurance to find the best possible combination of coverage, price, and service.

Service repairs

It is a good idea to shop around for a service repair shop that can provide competitive pricing, but is also responsible.  Cheap repairs do not help if the vehicle ends up back in the shop or the shop does not meet repair deadlines.

Consider the vehicle before you buy

Some vehicles are more costly to repair.  Additionally, technology in newer vehicles is more costly to repair.  For that reason, one of our clients opts to purchase three to five year old vehicles, to save on repair costs.

Safety

Use module deceives in your commercial vehicle that can monitor driver performance. Provide feedback to drivers and create a reward system for better and safer drivers.

Driver’s health

Studies show that 94 percent of accidents are caused by driver factors.  With this in mind, Travelers Insurance Co. advises employers to consider a driver’s health and wellness when they are on the road.  Training drivers about proper rest and the risks of driving while fatigued will remind drivers not to push on when they are fatigued.

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

 

 

Will One Ticket Cause My Auto Premiums To Increase?

17jghdjdtyjtdHave you recently had the bad luck of receiving a speeding citation? A ticket for speeding or other moving violation may increase your auto premiums. Some of this depends on the timing of your ticket and your renewal date. If you have had several traffic violations in a three year period, your carrier may decide to drop you. We will always search the market for the best alternative for all our clients.

Your auto insurance rates are determined based on how risky the insurance company considers you to be. Insurance carriers will have different methods for calculating risk, and thus different methods for determining rates.

Violations that relate to unsafe driving that will cause your premiums to increase include:

  • Drunk driving
  • Texting while driving
  • Failure to stop or yield right of way
  • Speeding
  • Reckless driving
  • Failure to stop at a light
  • Speeding in a construction zone

One leading industry research company studied 500,000 drivers and found that auto premiums went up by 20% after one of the violations listed above. Remember these are national averages and your individual circumstance will apply to what the carrier may or may not do.

Driving safely may be enough for you to avoid any spikes in your premiums. Of course, if your rates go up, they can also go down. By being a safe driver, you may see the price you pay for auto insurance decrease over the years.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

Are You A High Risk Driver In Florida?

tree light 113A “high-risk” driver is generally defined by the auto insurance companies as someone who has a higher risk of having an auto accident. Auto insurance companies often see high-risk drivers as undesirable, as they may end up costing a great deal in claims.

Why you may be defined as a high risk driver?

  • You have multiple accidents or tickets during a specific period of time.
  • You have a DUI.
  • You have a serious violation.
  • Any accident that results in a fatality.
  • Driving without a license.
  • Driving without insurance.
  • You drive an exotic car.
  • For whatever reason, your auto insurance has lapsed.

How to get auto insurance if you are considered high risk

  • You may need non-standard insurance.
  • SR-22 insurance for specific situations.
  • Allow your agent to shop auto insurance for you.
  • Determine what auto insurance discounts you may be eligible for.
  • Improve your driving skills.
  • Consider a lower risk car.

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

Florida Risk And Insurance Trends To Watch For 2017

Risk Management

risk management concept with yellow road sign

The risk management landscape is changing fast. It is important for business owners and managers to understand how these trends will impact their commercial insurance programs. Technology, consumer trends, litigation, and regulations all have increased risk.

  • The Changing workplace environment. Employers are having to manage a change in workplace demographics. The baby boomers are retiring and employers will need to figure out how to attract the next generation of workers.
  • Cyber Risk. Every Florida business will need to consider cyber insurance. Most businesses have a greater risk of having a cyber-attack than they do of having a fire. Cyber security was big news last year. Hardly a week went by without a report of a data breach in some industry. In fact, the Identity Theft Resource Center reported a record high of 1,233 data breaches in 2015, which is a 39 percent increase from 2015’s numbers.
  • Employment Laws. Whenever there is political change you can count on new and/or updated employment laws. Employers will need to keep up to date on how these laws will impact their businesses. Every employer should consider Employment Practices Liability Insurance.
  • Connections with Customers. As we continue to increase our reliance on technology, businesses must find the best ways to stay connected with clients. Customers want real time information about the products and services you provide. The road to being connected begins with understanding that consumers want to use technology in their healthcare decisions. They want to be able to email their partners and access services and information through telecommunication devices.
  • Workers’ Compensation. All states will continue to address legislative measures that could have an impact on employers including; drug usage, independent medical exams, medical marijuana, and the misclassification of employees and contractors.

Call us today and let us help protect what is important to you. As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

Back To School Driving Safety Tips

back-to-school-183533_1280.jpgFlorida School Safety

It is that time of year when millions of Florida kids are heading back to the classroom. It also may be a good time to have us review your auto insurance. Having the correct auto insurance coverage and limits is very important in this litigious world.

What to do in a school zone

A school zone is any area near a school or crosswalk leading to a school. School zones typically have speed limits of between 15 and 25 mph, and fines for speeding in these areas are usually double.

  • Slow down, and obey all traffic laws and speed zones.
  • Follow all laws pertaining to school buses.
  • Pay extra attention in a school zone. Watch out for children who might dart into the street, and always yield to pedestrians crossing in the crosswalk or intersection.
  • Watch out for school crossing guards and follow their direction.
  • Never pass a vehicle in a school zone.

Do not be a distracted driver

When you are driving, the condition of the roadway you are on, and the behavior of other drivers, can change abruptly leaving you little or no time to react.  When you are driving, follow these rules:

  • Stay focused.
  • Pay attention.
  • Expect the unexpected.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.