What To Do When You Purchase a New Vehicle

Used or brand new, purchasing a vehicle that is new to you is a very exciting time. After doing research on the type of vehicle you are interested in, choosing the dealership you want to purchase it from, and checking everything out, you may have forgotten one of the most important tasks: securing car insurance for your new ride.

Contact Your Agent

It may seem overwhelming to find the right car insurance for your new vehicle so contacting your insurance agent should be first on your list. Your agent will add the new vehicle to your policy immediately but if you, like most people, complete your purchase on the weekend, you may have to wait until Monday to speak with him or her. Don’t fret because most insurance policies allow coverage for up to 30 days on a newly purchased vehicle.

When you call your agent, make sure you have your new vehicle’s VIN (vehicle identification number) and of course, the year, make, and model of your new investment ready to provide for your insurance coverage.

Replacement Cost

You will need to consider other aspects for your new insurance policy and this is a good time to go over them with your agent. Replacement cost is important because, as we all know, a new vehicle depreciates rapidly, but you will want to ensure that if something happens to your new car, truck, or SUV, you will have enough coverage to purchase a comparable vehicle.

Deductibles and Premiums

If you purchased a brand-new car or a newer model than your previous one, chances are your premium will increase. You may want to opt for a higher deductible which will keep your premium costs down. If you have older vehicles on your policy, you may want to decrease the insurance on those from full-coverage to liability only. This will also help keep your premium costs lower.

Driving down the highway in your new vehicle is exciting and fun but remember to contact your Centralia, IL, Alcorn Insurance Agency immediately to guarantee that you have peace of mind when it comes to your new ride.

Are Safe Driving Apps Beneficial?

At Alcorn Insurance Agency, every agent is trained to help the residents of Centralia, IL get the best insurance coverage policy for their vehicles. There are several tools that can be used to help drivers maintain a safe driving record and keep their risk of being involved in an accident low. Both insurance companies and vehicle manufacturers offer safe driving apps that help drivers identify areas where they can improve in terms of safety and vehicle maintenance.

How Safe Driving Apps Work

Safe driving apps are used to monitor how well a person drives the vehicle. A mobile app is downloaded to your phone or another smart device. The app then syncs with a program in the vehicle’s computer. The two are constantly communicating and exchanging information. Many insurance companies use the apps to monitor how a person drives under various conditions. The apps provide them information about when a person is most likely to be driving and the length of each trip.

Do They Really Help?

Safe driving apps identify areas where a driver may need some improvement, such as speeding, hard breaking, or using turn signals when appropriate. Each month, the app provides the driver with a letter grade (A+, A, A-, etc.) depending on how well they remained in compliance with the law and practiced safe driving habits. The feedback provided helps drivers to improve their skills and keep their insurance premiums low. 

In Centralia, IL, residents can turn to the agents of Alcorn Insurance Agency if they have questions about safe driving apps and how they work. Call and schedule an appointment with an agent today to find out how you can use the apps to improve your driving skills. 

Is Your Teen Ready to Drive?

According to the Secretary of State in Illinois, traffic accidents are the main danger to our older teens. There are a variety of reasons for this, and the main way to prevent teen driver accidents is to make sure that your teen driver is truly ready for the responsibility of driving before allowing them to be behind the wheel.  

Ways to Increase Driver Safety for Your Teen

  • Ride with them often. The more often you allow them to drive when you are going someplace together the more likely you will be able to use mistakes as teaching moments that can end up saving a life. Also the more often you allow them to drive with you in the vehicle the more experience they will get in general. 
  • Implement a solid no-texting while driving rule. Distracted driving is deadly driving so make sure your teen knows the risks. There are a lot of YouTube videos that can drive home the point if you want to use scare tactics. Many parents choose to lock their teen’s mobile devices in the trunk or glove compartment when they leave so they know their teen will not be in the habit of checking each time a text dings. 
  • Teach your child that driving is a responsibility and a privilege, not a right. If they have not proven to you that they are not mature in other facets of their life, then they may not be ready for the responsibility of driving. Use your best judgment for the safety of your own teen and other people on the road. 

At Alcorn Insurance Agency we want the leading cause of death for people between age 15 and 20 to change. For the best insurance rates and driving tips in and around Centralia, IL contact us today.  

What is a Normal or Low Risk Driver

In the insurance world, there are plenty of terms that you will come across that might need further explaining. The term normal or low-risk driver is just that. For those in the Centralia, IL area, the agents with Alcorn Insurance Agency can help define these terms.

For our basic needs, the term normal or low-risk driver refers to those drivers that are least likely to have an accident or file a claim against their insurance. These drivers are generally over the age of 25, have a safe driving record, have not filed any claims within the past five years, and are often married or have a stable job and home or residence.

These are all factors that help to make a driver low risk. The idea is that these drivers are going to be safer because they do have more experience than younger drivers, they are not at an age where they are going to be inattentive, and they have a home and other items that would make them want to be careful when driving.

Those drivers that are under the age of 25 and over the age of 70 are both going to be considered higher risk drivers. The first group is higher risk because of lack of experience while the other group is higher risk due to factors related to aging. No matter what group you fall into, the longer you go without an accident or without a ticket or infraction, the better your rates are going to be and the lower your premium is going to be.

For those that still have questions and live in the Centralia, IL area, Alcorn Insurance Agency can help you to answer your questions and help you determine if you are a high-risk driver or simply a normal low-risk driver.