1- Shop shop shop
Shop all over. Make sure you don't ruin your credit score because when you pull your MVR and or credit score that can cause a hit on your credit. However you can get an idea of what your rates will be without pulling your credit score or your MVR. Ask your insurance agent to get you your insurance rates with their companies and not pull the MVR. If you're sure you don't have any tickets or accidents that will save you tons of time and your credit score from heart ache and pain. Most people don't realize they have to get their MVR pulled when they shop for insurance they also sometimes don't know it can run your credit score. 5 of these ins't bad but more that can potentially lower it a few points. Which wouldn't be the end of the world so go ahead and shop away!
Here are a list of the average premiums per company and something to keep in mind while shopping for the best pricing. One thing to take into consideration isn't just these prices because pricing can vary from state to state, but in general this is something to consider when shopping for car insurance.
Found on www.thezebra.com
A few other things to take into account as you shop is your age, your martial status, your address and and your past claims and accidents. These all play an important factor in your premium and will affect how your insurance score comes back on these companies quoting algorithms. Your driving score is one of the most important factor. If you have accidents and tickets that can be a key piece to your driving record and how you are seen by insurance companies. Your credit score. Ect. Some companies take these factors into account more than others. However they all follow a general system that will play key pieces in your premiums.
2- Go for quality not cheap pricing.
3- Look into different deductibles
Some companies will try and sell you lower deductibles to provide you with higher quality coverage. This can be more beneficial for sure, however if you're looking to save on your insurance and you're pretty good with prior accidents, meaning you're confident you won't get into an accident think about getting a different deductible than the standard $100. Many people go for $500 and even $1000 deductibles because they don't want to spend more on their insurance. Another option for individuals that have a cheaper vehicle, somewhere in the vicinity of $3500, is you can ad uninsured motorist property damage coverage to your vehicle. This is going to drastically lower your premiums and still carries $3500 of coverage on your car with a $250 deductible. This will cover your vehicle up to $3500 for non at fault accidents, however no coverage for at fault incidents like running into a pole or something like that.
If you get a ticket or have an accident that can drastically cause your premiums to go up. If you try to shop and have too many tickets not only will you have increased premiums but be on a non standard insured list which can be more expensive than you think. Very expensive. Avoid at all costs if you want to ever go shopping for insurance. Tickets in the state of Utah take 3 years to come off your record and accidents 5 years.
This is our list of things to avoid if you want to lower your premiums. There are tons more out there but here are just a few of things you can do to lower your premiums.
The market will always have it's ups and downs. When the market goes up, you can be sure there a lot of happy individuals that are able to cash out of their 401K's and take that to the bank. Some individuals want to keep their money in the banks and wait until they see what happens as advised by their agents and advisers. True to form There are hundreds of ways to invest. But how do you invest in the stock market? Does your life insurance get affected by the stock market and how can I be sure my life insurance won't get affected?
For the most part, your life insurance is only truly affected if the company you're working with has some sort of crash or overall collapse. Other moments or times we can see your life insurance being affected is when the stock market has a recession or crash. Since 1987 we have experienced recessions, tech bubbles and bursts, however one thing that you can be certain is unless your life insurance policy is tied to the stock market like a with a mixed annuity, your life insurance still carries a death benefit.
You will be owed your death benefit. If you have a Universal or Whole life policy that in many cases is tied to the stock market and will be affected with by changes in the market. Some companies you need to look at their overall long term gains over the long period of time.
What can change with a Whole Life insurance policy that doesn't change with a Term life insurance policy? Your premiums and death benefit can change on a Universal policy as opposed to a whole life insurance policy. Your whole life insurance policy is fixed in its premiums and your Universal Policy is flexible. However companies like Allstate has seen over the long term 5%-9% gains on their policies and boasts on the market down turns they won't dip into your policy only if the market goes below 10% then you will lose the difference of 10% and whatever the market goes to. Which is why so many individuals trust them and why Allstate is able to fund these downturns.
You can be sure these will affect your pricing only for the better. Another thing that we find is that life insurance appeals to the lower income to mid income individuals which makes sense because high income individuals are more likely to rely on their net worth as opposed to spending money on a policy. With that in mind they might be more misguided and trusting of their agent which is why the New York Best interest rule is applied to this and is something that all insureds should be aware of.
In the long term it is in most cases even with a Universal Policy beneficial to invest in a whole life insurance policy if you invest in companies like Allstate, State Farm, Nationwide, ect. who have guarantees of steadiness in the market flow.
Shock absorption is very important for a vehicle to function. They perform important, valuable objectives that if we didn't have you would feel every bump on the road not to mention ruin the car from the weight and friction caused because of the lack of absorption. These struts allow your vehicle to maintain the wheel straight. The vibration on the vehicle is balanced and secure. This helps the cars from having a bouncy ride. It helps the car from nosediving. They help the car from also bottoming out which is very useful to protect the chassis from getting destroyed.
Some things that we see that will help tell you whether you have good shocks or not are the thickness. However it may be more effective to know when your shocks or struts are bad. Here are a few signs to look for.
First thing to look for is cupping. The tires won't have the same shape as normal which indicates that the tire is not absorbing very well bumps on the road and are taking some bumps poorly.
Vehicle never feels stable on the road and the front end can dive more on the road.
You may even feel a tire bounce on the road because of the bumps that have been caused as a result of the shocks.
These are just a few of the things to look for.
I hope this helps.
Burkholz Insurance Agency
Can you believe Elon Musk is planning to add a solar panel to his trucks??? That's amazing. They will be totally solar driven trucks which saves so much on oil prices, gas and the environment. LA's smog will be nonexistent with Elon's Trucks. These despite everything that's swirling around Elon musk's adventures and accomplishments his trucking sector is actually a big part of his plans and growth for the industry.
This shows a reduction in carbon emissions, with the electric Semi trucks or one might call it the "electruck", this is seriously a big commitment to R&D but a big payoff if he is able to figure out how to pioneer this system of providing. Elon has not only talked about electric and solar powered trucks but also electric and solar panel air plains. This would also effect sea freight industries. We already spend millions on fuel and gas for these large boats, but with the solar panel we can see this would revolutionize the ecosystem and spending.
Overtime, costs to build these panels decrease because of new developments and new learning that is discovered in the industry. Overall this would become a regular thing and mass produced causing lots more and more of this production.
In Southern California, pollution from these trucks with their emissions there is serious question as to the helpfulness of these trucks and how these are able to effect out ecosystem. If all our trucks were able to get solar panels installed in a way that "looked cool" and not too obvious there were solar panels and still provided the same function this would be very amazing to the industry and really change the question and issue of the emissions that our cars and trucks are being placed into the world.
These are just some thoughts from the Burkholz Insurance Agency. Overall it would change the effectiveness and quality of ourtrucking industry, price wise as well as emissions output.
As a commercial trucker you will find that making your insurance payments for your truck, however there are many items that you need to cover inside as well as the exterior of your truck. This is in many cases one of the highest cost that you will have in your lifetime. You house can start from $700-$2300 depending on your mortgage and financing that you have. However your truck insurance payment is and can be around the same amounts. In order to keep these costs down you need to follow some basic tips in order to get the most out of your insurance.
Some things to look at is if your truck has an alarm on the truck, how many airbags you have, you can also get a discount if you have taken adefensive driving course.
Start also by dropping towing coverage. This in many cases truckers find this to be a luxury and not a necessity to keep costs low. This cost to add the coverage in many cases is more expensive than the amount it is to tow and how often you get your vehicle towed. Roadside is also an extra cost that can overall be more expensive.
f you also drop completely comprehensive coverage to save money on your truck insurance. This is coverage against physical damage or anything that's not related to liability or collision. Vandalism, theft, fire, ect. which this cost is very expensive. In many cases you end up paying costs out of your own pocket anyway. Think of the costs if someone steals. In many cases it's a product that's $200 or if you have some kind of comp claim a $500 comp deductible wouldn't cover nearly anything in this case. Think if this is something that you surely want on your truck if you need this or not. How often a theft happens. If you're looking to save then consider taking this coverage off unless you want to get this updated. You can always go back and add it.
The best way to save money on your truck insurance is to never have an accident. If you take good care of your truck and are very careful while driving and never file claims, you're risks will decrease and costs will always be low. You get rewarded when you never file claims.
If you are married, if you don't drink or smoke and if you have an education you will find better and more discounts. There are also discounts depending and that change depending on how you drive.
The advice I've given are the bare bones minimum and are the mandated by the state. If you truck is modest there are many reason's to keep costs down.
You can also pay yearly to keep costs down, this though can be costly can be worth it if you are really needing to save. To just pay by a credit card in order to pay the least amount as possible.
If you're really not able to pay the costs of your insurance consider shopping for another carrier to cover the costs of your insurance.
Take advantage of every possible discount to get the right one for you. Do you want accident forgiveness? Do you want or get a good driver discount? A good student discount? Good driver history. Anti-lock brakes, all play a part in getting you the best possible rates.
There's also another discount called the Safe Vehicle Truck Discount. If your truck has a variety of safety features, like airbags, anti-lock brakes, you may qualify for a reduced rate on you're insurance.
Take your time. You have plenty of time to get it right, talk to your agent to see if you're able to get the best and cheapest rate.
Things can get pretty hairy when you have a long record of accidents. Even if you weren't at fault. Most insurance companies don't hold an accident against your record for 5 years. After 5 years that accident is as if it never happened. However some companies like to keep that going on your record regardless of how long ago that happened. Just because it's there they want to keep that going.
In most cases if you weren't at fault then the accident will be on your record for 3 years. After a non at fault accident you need to be extra careful to not get in any accidents that are your fault becauseinsurance companies will look at how many incidents you have an not just who was at fault. If you have a not at fault and an atfault accident that will definitely hurt your insurance rates as if it were almost an at fault. What an insurance company will look for 3 incidents one ticket, one at fault and one non at fault and that will disqualify the policy from coverage but one ticket and one accident and that could keep the policy in effect.
These higher premiums due to accidents are called surcharges. Your driving record is a very important thing. If you're not very careful it can sneak up on your and cause your amounts to go up automatically.
In those cases if you're shopping for insurance be sure to contact your agent that knows what coverage and what policies are going to be the best due to an accident. In many cases Progressive is very helpful with accidents and tickets also Nationwide. Travelers doesn't allow for many accidents they don't allow for international drivers licenses like progressive does.
Talk to an agent who can help you find the best rates you can find and one that will be on top of when any accident or change to your policy can occur. Some companies won't change the premium when an accident falls off your record. Make sure you get an agent that will be on top of your policy in order to help that customer to get the best premium that they can.
It doesn't matter if you are a seasoned veteran or if you're a newbie as a truck driver all need to be prepare for the worst when going through the mountain ranges, windy roads and potential debris that could be on the roads for whatever reason. If you're driving in the winter time there are good chances that salt trucks and snow trucks haven't been able to get to these back of the mountain areas. The number of increased deaths and fatalities truly increases when drivers go into the slick and curvy roads of the mountains. Some of these accidents even lead to fatalities on the road.
It's important to always find out what the weather will be before a long trip. These road conditions are extremely important for the overall well being of not just the truck driver but also for everyone else on the road which would be effected in the event of an accident. This can lead to more accidents. If the cargo inside of the truck is flammable it can cause forest fire. Truckers can also check the weather as they go in order to make sure you're rig is going to be able to make the trip.
It'a also a good idea to talk to other truck drivers in order to get an idea of what roads are some of the best to be driving and on and what roads are going to be better to avoid given the weather that could be detrimental to the trip. Another thing to look at would be to check your braking system when leaving for a long trip. Imagine you haven't had your brakes checked for two years and go on a long trip through the mountains and expect clement weather which not only could cause delays but a weak or even broker braking system that hasn't been checked would cause a downward accident on the road hurting hundreds of other drivers on the roads. This is vital to have your brakes and other important things that could cause an accident like a broken transmission, ect.
We've all seen drivers on the roads that want to pass trucks. This is absolutely given. When driving on any road that gives you the opportunity to take a runaway lane, take advantage of this lane which has been placed in this location to protect the drivers who want to pass the truck that is likely keeping everyone else backed up. This is very important.
We all know that trucks get tailgated from time to time due to their lower speeds on the roads. But don't tailgate as a truck driver. Your vehicle is more likely to have an accident from tailgating another vehicle than a regular car. Not only because of the size but because of it's size it's ability to brake quickly is obstructed by it's size. Any over estimation of it's ability to brake could lead to a terrible accident.
Make sure you are fully covered before you go out and start driving. Not just for others sake but for your own vehicle's sake. You will be so glad you hadinsurance when you had it, so it's a must when you're on the roads. Get property damage, get motor carrier coverage, get liability coverage. You will feel and be much safer when you get these things all together and in the case of an accident you will completely sure you have the coverage even if you're just loading up your truck.
When is the Best Time to Buy A Car? July 26th 2019 Written by: Eric Burkholz
When is the best time to buy a car?
You've done your research and due diligence. You've searched the best car, but have you found when the best time to buy a car is? You've looked at the pros and cons of buying a Honda, Toyota or Nissan. Knowing your pricing, knowing your model, year, color, your whole sale value all that plays it's part. You've made your choice. There's no going back, but when should you buy it? Do you realize you can save thousands of dollars depending on the time of year that you buy your car?
Here's are some ideas of when you should buy your car?
Holiday Sales Events
This is a buyers paradise, when shopping malls, homes and Christmas presents are at cheaper pricing, the best way to get these buyers to notice you during the holidays, you will find that some of the best times to buy a are a car are when there are offered deals and price decreases at an alarming rate at these times. The same goes for car dealerships. Here are a few holidays to be aware of to look for better deals.
New Years Eve: This might be one of the best times to buy a car. Year end quotas and bonus' are all dependent on number of sales made, so your salesman might be mighty eager to just get rid of the car with a price reduction. So expect some opportunities to find a deal or two for this reason.
Black Friday: Wal-Mart isn't the only company who's profiting from Black Friday. Car dealers significantly reduce their prices around Black Friday just like any other shop.
Memorial Day: Memorial Day can be one of the best days that you can purchase a vehicle.
End of the Year
If we think about the life of a sales man, we see that he or she has quotas and goals to reach monthly and yearly. With that in mind, not only is the last month of the year but the last week of the month. You might be able to lower a price anywhere from $1000 to even $3000 off of a $20,000 depending on your salesman, the dealership and circumstances. New Years Eve must be the best time of the year in order.
End of the Month
Just like the last of the year is one of the best times to buy a car, the end of the month is one of the best times of the year to buy a car. Some of the best salesman know that if you place a yearly goal but you don't brake down the goals in smaller goals you're not going to get many sales and just get overwhelmed, so they brake it down by month to make their sales numbers easier and more doable over the year. So a salesman will be more motivated to sell at the end of the year and likely to get you some kind of discount or cheaper price.
Wait to buy this years model when next year's model gets to the dealerships
Something that is different with purchasing a car than buying a home is that as soon as it comes off the lot it's price just plummeted. Your $60,000 car went to $40,000 in about 10 seconds as you sign your fancy amazing signature. When buying a car and trying to get the most out of the car, look for a "year old" or brand new car. So if it's 2019 in September and the new 2020 cars are coming out, you wait to buy the 2019 models when the new 2020 models are coming out and you get the cheaper "used" price of the 2019. This is a strategy that will save you lots of headaches due to decreasing values and money as you make your car payments.
Memorial Day Weekend
With several clients having this issue we've seen a thing or two about accidents on the road with commercial truck drivers. Not only can it be dangerous to driver with a large semi truck on the road there are certain precautions that need to be taken when driving a semi. There are several reason's why these vehicles are in many cases over $100,000 to purchase, they are very heavy duty, carry large amounts of cargo and quantities of cargo but they also are expensive if in an accident or something brakes down. If a semi isin an accident there are often times hidden problems that arise in others cars as well as the semi that go unnoticed to the untrained eye. We recommend three things happen when your semi gets into an accident on the road and that we recommend every driver get trained before he hits the road on a voyage.
After the accident when you take as many pictures as you can you are putting yourself in the best position to be prepared for previous accidents or problems that can occur when taking the info to the shop. The same with regular accidents as well. For example there are still claims that are filed with an insured taking one or to photos of an accident on the front bumper for example. At face value that accident was just the front bumper but there are hidden issues underneath the car that are issues that can cause problems down the road that are completely unnoticed. Take as many pictures and save your self a world of hurt when it comes two months after the accident and you have an axle issue.
1.Take as many pictures as possibleafter the accident from as many angles possible.
Next, many drivers now a days will put cameras all over their rear view mirrors that will record accidents and what really happened. We recommend if you are CDL driver and are spending hours and hours doing something on the road, then make sure you get a camera that will record your trips with a DF card inside the camera. This will store the footage that is taken on the camera so you can see what actually happened. This is very important for drivers that even don't trust witnesses at the time of the accident. You can go back to the footage and get a real time view of what has happened in that accident. Like a pro football game you get a "UNDER REVIEW" of what happened.
2. Get a Camera for driving footage
Last get with your insurance agent to get the right coverage and make sure you have all of your bases covered. If you have Motor Carriers Coverage for all of your cargo but don't carry physical damage coverage. It's going to cover your cargo but if you brake a pipe while loading your cargo into your truck and you have no physical damage coverage than it's not going to be helpful at all for your coverage and you will have to pay out of pocket for this.
3. Contact you and/or your insurance agent ASAP, regardless of how minor the accident may be.
3. Contact you and/or your insurance agent ASAP, regardless of how minor the accident may be.
I hope as CDL drivers and drivers of all kinds of cargo, whether that is food driver insurance, commercial semi truck insurance or freight cargo, you will take these important steps to ensure you have your ducks in a row and your basis covered.
I have been doing insurance and quotes for individuals and businesses for a long time. It's my specialty. I have seen what works and what doesn't. I love to do it because I get results. Whether it takes a long time or a short amount of time I know what it takes to see results over time. Usually things are pretty predictable depending on the market. I am really glad to learn that there's a lot of learning that I still want to do. I don't what to be stagnant and get stuck. I feel the better I know also the companies that I work with if I know the basics and the details I will be able to better educate my clients in order to provide them the best possible knowledge in each situation. I am learning more and more about my companies that I work with and am constantly acquiring more knowledge.
Insurance is almost a bottomless pit in terms of knowledge about certain situations and policies. For the most part auto insurance is pretty straight forward but there still is a lot to learn that is important for clients, like how long does my SR22 insurance effect me. Some states are different than others. You need to know what states and how the SR22 effects your state. I would make sure you know what states and how those state's laws are so you can provide the best possible knowledge to your client so when you go to close the policy you're not going to be giving them wrong information. I am learning more and more but I am learning the basics are important.
I am also learning more and more how important key words, content and page authority is important to creating a valuable and quality page that gets leads. When you create a page with good and on topic content, you have a page that has authority and trust to google and when you place a key word that you're trying to rank for, those are keys in getting "juice" to google's algorithm and will get you the best results. Of course pages like the New York Times or google itself have some of the best trust to the internet but my page can get more and more trust flow as time and more back links grow. It's about half as google in terms of trust, however it doesn't have the same number of citations of course.
I want to get it to where it's around 50 trust flow eventually but most important is that it is the number one on google eventually and getting two sites at number one is more important than one. Anyway. I am really grateful for what I'm learning.
The Burkholz Insurance Agency specializes in home, auto, commercial real estate and truckers insurance. We have several locations accross the country and have multiple enterprises we go through to provide some of the best products for our customers. W have Bundling options, broker with multiple providers, good student discount, Broker in Las Vegas NV, 100% straight forward pricing, Best reputation in Las Vegas, NV. Contact us for a quote.