B&M Business Success Insurance Agency

02/09/2023

06/25/2021

How to Choose Car Insurance in 4 Steps

1. Determine the Level of Coverage You Need

The cheapest policy may not be the one you need. Inexpensive plans may not provide collision coverage, which pays to fix your own car following an accident. They may not offer comprehensive coverage, which covers damage to your car not caused by auto accidents, such as natural disasters, theft or vandalism. Remember that not everyone's insurance needs are the same. For example, if you're leasing a car, you may need gap insurance. If the car is totaled, gap insurance covers the difference between the actual cash value of the vehicle and the outstanding balance on your lease.

2. Review the Financial Health of Car Insurers

Everyone wants a good deal on their auto insurance policy, but low rates won't do you any good if the company you choose isn't around to pay its claims. Online reports from independent ratings companies, such as A.M. Best, Fitch, Moody's and Standard & Poor's, can help you determine your insurer's financial health, says Investopedia

3. Compare Several Car Insurance Quotes

You can shop for insurance by going online, using the telephone or working directly with insurance agents. Some insurers rely heavily on insurance scores to determine how likely policyholders are to file claims. Other companies may give more weight to the type of car you drive and how expensive it would be to repair following an accident.

4. Ask About Discounts

Many insurance companies offer discounts, notes MarketWatch. If you have a teen with good grades on your auto policy, he or she may qualify for a reduced insurance rate. Some insurers offer discounts to drivers who meet annual low-mileage thresholds or take driver education classes. If your car has an anti-theft device, that also could qualify you for a discount.

01/28/2021

Driving in Heavy Rain
In addition to the potentially poor visibility that accompanies most heavy rain, drivers should be ready to protect themselves against hydroplaning. Hydroplaning can occur when a vehicle is traveling too fast in heavy rain conditions, causing the vehicle’s tires to travel on a thin layer of water rather than grip the surface of the road. This has the potential to make steering and braking difficult and could even lead to losing control of your vehicle. Follow these tips to help you stay safe while driving in heavy rain.

1. Take your time. Slow down to help avoid hydroplaning. Also, one of the most dangerous times to drive can be soon after it begins to rain. The rain can cause oils on a roadway to rise to the surface and make conditions slick. Waiting a while after rains begin, rather than rushing to your destination, can be a safer plan when it is raining.

2. Turn your lights on. Turning on your headlights can help you to see more clearly and also helps other vehicles see you. Many states require the use of headlights during rain.

3. Give other vehicles more space. Add 1-2 extra seconds of following time in the rain, which gives you, and the cars behind you, more time to react to traffic.

01/27/2021

Driving in conditions that involve strong wind or heavy rain can be relatively common and may not be the most pressing safety concern for many drivers. Here are some tips for your safety.

Driving in Heavy Winds
Wind may not seem like it can present a significant risk, but strong wind deserves special consideration from drivers. Strong wind can occur just about anywhere, but it can be more common in wide open spaces. Areas for concern also include highway overpasses, tunnels and “road cuts” through mountainous areas that can act as funnels for wind. The following tips can help keep you on the road and safe if you encounter heavy winds.

1. Anticipate gusts. Take special care when driving through areas prone to strong winds or when weather reports predict severe weather.

2. Notice larger vehicles. Be aware of large vehicles on the road such as tractor-trailers and recreational vehicles. They are more susceptible to high winds and drivers may have difficulties staying in their lanes.

3. Keep a firm grip on the wheel. Keep both hands on the wheel in case the wind begins to move your vehicle, especially if you are driving a large vehicle or towing a trailer

11/27/2020

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11/27/2020

Common Car Accidents and How to Help Avoid Them

Backing Collisions

Whether you’re backing out of a parking spot or your driveway, accidents can happen.

The best thing you can do to avoid accidents when backing up is to avoid having to back up in the first place. When possible, park in a way where you won’t have to back up into traffic, such as pulling through or backing into a parking spot.

Another helpful tip: drive vehicles that have a backup camera. If your car doesn’t have one, you can have one installed.

If you drive a car that’s not equipped with a backup camera, here are some other suggestions of what you can do:

Before getting into your vehicle, look around to assess your surroundings and traffic patterns.

Back out using the shortest, most direct route possible.

Reverse in a straight line, turning only when clear of parked vehicles or any other obstructions.

Back out slowly while continuing to check traffic around you.

Use your mirrors and brakes until you’re completely out of the spot and integrated into traffic.

Never do anything distracting while backing out.

11/26/2020

This Thanksgiving, I’m thankful to have you as a client. Working with you has been a true pleasure, and I can only hope our relationship continues for many years. May you have a wonderful Thanksgiving surrounded by family and friends.

Give us a call or send us e-mail and we will help you to protect your auto and home :
(916) 545 8090 / (916) 413 5435
[email protected]

11/25/2020

Common Car Accidents and How to Help Avoid Them

Crashes at Intersections

Intersections are another place where accidents frequently occur. Distracted drivers may miss traffic signals changing from green to yellow to red. Or they don’t notice vehicles pausing before making turns.

Practice defensive driving to help avoid accidents. Take a moment after the light turns green to make sure no one is coming through the intersection. Look out for drivers speeding to make it through a yellow light on a cross street. When you’re approaching a yellow light, be cautious rather than take chances.

11/24/2020

Common Car Accidents and How to Help Avoid Them

Windshield Damage

Chips and cracks to vehicle windshields are a common auto accident that many drivers don’t realize they can help prevent. Most windshield damage happens when rocks and stones are thrown up in the air by other vehicles. Help prevent this damage by keeping your distance from cars and trucks.
Also, don’t drive behind snow plows when they’re dropping salt or other granular substances. Some pieces are large enough to cause chips and cracks.