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Auto Insurance

When it comes to purchasing auto insurance, having options can be a very important way to save money. Putting money back in your pocket is one of our primary goals.  We know and understand the auto insurance market.  This allows us to provide you with the best possible combination of pricing, coverage and service.

Auto insurance rates differ from company to company, so it really pays to have us shop your insurance. Some markets offer better rates for trucks, RV and campers, while others can offer better rates for motorcycles.

How to reduce your auto premium

There are many things you can do to keep your auto rates at the lowest level possible.

  1. Review your deductibles. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your Collision and Comprehensive costs.
  2. Encourage your student driver to get the best grades possible. Most major insurance companies offer a discount for students in good academic standing.
  3. Select a safe car. Check out which cars are popular with thieves and avoid them. Also, the more expensive the car, the higher the premiums.
  4. Be a safe driver. The more accidents and tickets you have, the higher the premiums will be.
  5. Purchase a car with an alarm or LoJack. LoJack® Stolen Vehicle Recovery System provides car owners with peace of mind knowing that if their vehicle is stolen, they have the best chance of getting it back.
  6. Be loyal. Many auto insurance companies offer loyalty discounts if you stay with them over time.
  7. Check for other auto insurance discounts. These might include taking safe driver courses, senior discounts and more.
  8. Some companies offer discounts for paying your premium in full, multi policy, and multi car discounts.

You might be able to pay less for your car insurance premium and not even know it. So it pays to connect with us to review your insurance needs.

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.

 

Important Auto Insurance Terms

free444An Auto Insurance Review

This state requires everyone who owns a vehicle to have personal auto liability insurance.  Auto insurance comes in many different shapes and sizes. There are many different terms and coverage’s you need to understand if you are going to protect you and your family.  As you consider the many different kinds of coverage, we can help you find the right combination of price, coverage, and service.

Bodily Injury Liability

This coverage pays for costs or claims associated with bodily injuries to the other persons (third parties) or people involved in the accident. This coverage also provides defense coverage in the event that you are sued for damages.  We always recommend having higher than the minimum limits. If a claim exceeds your own policy limit, you will be responsible for all costs.

 Collision Coverage For Your Vehicle

Collision and comprehensive is often referred to as ‘full coverage.’ If you have collision coverage, and are in an accident or hit with another vehicle or property, you will have coverage to repair or replace your vehicle after your deductible is satisfied.  Collision and comprehensive coverage are not required, but they may be required by your loan company or leasing company.

Roadside Assistance And Towing Coverage

Collision & comprehensive covers the vehicle when it is damaged. Emergency roadside assistance and towing coverage can be added to your personal auto policy in most cases. Coverage will help with gas fill-ups, battery jumps, tire changes, and towing. Make sure to check if you have necessary towing (up to 15 miles) or extended towing (up to 100 miles).

Rental Car Reimbursement

When your vehicle is in the repair shop after a covered accident, your policy will provide you a rental car (if you have purchased the coverage) while your own car is getting repaired. You will need to have purchased comprehensive and collision on your policy in order to add rental car coverage. Coverage is subject to limitations.

This is intended to be a brief review of auto insurance. Your actual coverage will depend on your individual policy.

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 BEST INSURANCE AGENCY and BEST AGENT by the residents of Charlotte County and Harbor’s Hottest Insurance Agency by Harbor Style Magazine.

 

 

Are Rideshare Drivers Covered By Their Auto Insurance?

app-2941689_1920If you drive your personally owned auto for Uber, Lyft, or even a pizza delivery company, your personal auto insurance will not provide coverage you need, should you be involved in an accident.  Uber and Lyft are “rideshare” services that compete with taxis and more traditional car transport services. These companies do not own or operate their cars and do not hire their drivers directly. Drivers are independent contractors who drive their own vehicles to pick up and drop off customers. Here are two big coverage gaps:

  • Your personal auto insurance policy excludes liability for hauling others for a fee.
  • These rideshare companies also require liability limits above the state minimums.

There are a number of insurance companies now offering specific auto insurance coverage for ridesharing risks.

Here are a few tips for rideshare drivers.

  1. Purchase a separate policy with at least a $1,000,000 limit.
  2. Read any, and all, agreements so you know what your responsibilities are.
  3. Keep your vehicle in good working condition.

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.

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

 

We Can Offer You More Than Just Insurance, We Offer Peace Of Mind

update-1672385_1280We Can Offer You More Than Just Insurance, We Offer Peace Of Mind

Your insurance needs change over time, so it is important to review your policies periodically to make sure they are up-to-date. Tragically, many people are not insured after devastating natural disasters. It’s never too late to do a homeowner’s insurance checkup before the next threat heads your way. This article highlights some important insurance coverage you should consider such as:

  • Earthquake Insurance
  • Flood Insurance
  • Wind Insurance

Steps To Help Secure The Right Coverage

  • Make sure your homes information is up to date. Your agent should shave to right square footage and replacement value.
  • Research the replacement cost for new construction in your area.
  • Have our agency provide you with coverage options for competitive insurance products.
  • Consider getting a “floater” to your home insurance policy. If you own valuable furs, jewelry, guns, collections, silverware, or artwork, a “floater” can cover the full value of those items. Consider adding building code or ordinance or law endorsement, which will help pay the higher cost of bringing plumbing, wiring, or other key systems up to current codes when rebuilding.

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.

 

Did You Just Buy A Flood-Damaged Car?

Deep Flood Water

Deep Flood Water in Residential Area. Des Plains IL USA. City Under River Flood Water. Nature Disasters Photography Collection.

Did You Just Buy A Flood-Damaged Car?

How to make sure you don’t get stuck with a water soaked car

It may be possible that a number of flood-damaged automobiles will be on the used car market in the near future.  These disasters tend to bring out dishonest business people who want to take advantage of the situation.

The National Insurance Crime Bureau (NICB) has established a consumer service called VINCheckSM.  This service allows car buyers to see if the vehicle has been declared as salvage by an NICB member.

How to spot a flood damaged car

  • Use a reputable auto dealer.
  • Is there new carpet in a 5-year-old car?
  • Use your sense of smell. Flood-damaged cars may smell of mold.
  • Check under the carpet for rust.
  • Make sure all electronics work.
  • Is there water in the headlights or tail lights?
  • Mud and debris on the underside of panels and brackets is another good sign the car has been under water.

If you’re from an area affected by a flood and have a car that wasn’t damaged, be aware that buyers might suspect it was.  Damaged cars can also be moved to other states, so even if you live outside a flooded area, be aware.

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.

 

Setting The Record Straight Regarding Insurance

A Personal Insurance Update

There are so many ways that some insurance companies confuse buyers that it can be hard for many to discern fact from fiction. Often the complexity of insurance can cause us to create frustration and can lead to uninformed decisions. We want to help you make the insurance purchasing decision as easy as possible buy offer you the best possible combination of insurance coverage, price, and service.

Misconceptions about insurance

  • Online insurance gives you the best deals. Buying online insurance does not save you time, and it can often be more expensive. As an independent agent, we search the market for the best rates and bring them back to you.
  • All insurance companies are the same. Not true, some insurance companies prefer older drivers, while others have great rates on RV’s and motorcycles. Some insurers are better for insuring that hot rod or antique car.
  • Insurance is all about low cost. Sure you can get low-cost insurance, but you may not have the coverage you need when you have a loss. For example, we received a call from an individual that bought insurance online and had an accident. The insurance was cheap, and it was because there was no collision coverage. The individual had to pay $3,000 for the repair of their vehicle. We were able to secure the coverage they needed.

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.

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

How Our Sharing Economy May Increase Your Risk

Business man pointing the text: Are You Insured?

Business man pointing the text: Are You Insured?

How Our Sharing Economy May Increase Your Risk

We live in a digital world that now allows us to share everything from our car, bike, boat, apartment and even our home with total strangers. Smart phones, and the applications that can be added, offer many useful tools, but some of these things create new and increased liability for you. Before you decide to jump into the sharing economy consider the following:

  • Do these sharing sites have the ability to protect your confidential information? Many times you are giving your credit card information to companies that may not have the ability to protect it.
  • If you use Airbnb to sublease your apartment, you might check your lease. Many lease agreements have “no sublease” clauses that do not allow for this kind of activity. Also, some big cities are now actually considering outlawing the Airbnb services as it reduces hotel/motel taxes.
  • Taxi services where individuals can offer rides to those who subscribe. Are you confident that these individuals have had proper background checks? Are they experienced drivers? Do they have the correct insurance? Remember, even in states that have mandatory auto insurance laws, over 25% of drivers don’t have insurance.
  • Personal auto insurance issues should be considered if using your car for hire. There is a big difference in the auto insurance world between a car pool for work and being paid to deliver people.
  • If you rent your primary home to others, it may limit your personal insurance Call out office for a review.

The use of the new sharing economy will most likely continue and may be a good way to make money. However, if you have an uninsured claim, the cost may be much greater.  Be aware that using these services may increase your risk of loss.

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.