Posts Tagged ‘Dairyland Insurance’

Estrella Insurance Quote Won’t Be Helped By These

Tuesday, August 17th, 2010

Car salesmen are trained to sell.  They want to sell you not only a car, but an unlimited number of extra options as well.  According to Bankrate, Inc.’s article “5 costly car dealer options to skip,” Kamil Skawinski recommends avoiding certain options.  Not only will they not help get a lower Estrella Insurance quote or other car insurance, you will pretty much be wasting your money.

Rust-proofing your car is the first unnecessary option.  Most new cars today have excellent rust-proofing already and you can actually void the factory’s corrosion-perforation warranty by having your car rust-proofed by an outside source.  Skipping this service can save you anywhere from $200-$1,200.  The article recommends avoiding fabric protection services as well.  You can be charged $100 or more for this service that costs the dealership next to nothing and your vehicle really doesn’t need it.

The purchase of paint protection can cost $200, but actually shouldn’t be done on most new vehicles.  Your best bet for protecting your paint is performing regular washing and waxing duties on your vehicle.  While insurance companies like Dairyland Insurance do recommend etching your VIN number on a car window, it doesn’t seem wise to do it at the dealership.  At home kits are less than $50, but you could pay up to $300 getting it done at the dealership.

The thousands of dollars for extended warranties charged by dealerships can be avoided by purchasing a highly rated vehicle and performing its recommended maintenance.  Many experts agree that extended dealer warranties are not worth the cost if you simply take care of your vehicle.  By avoiding unnecessary options car salesmen try to offer you, you’ll save money to put towards car insurance, maintenance, or parking costs.

Dairyland Insurance Might Like New Driving Laws in New York

Tuesday, January 12th, 2010

“New laws restricting under-18 NY drivers take effect in February,” according to John O’Brien of The Post-Standard.  While teenagers probably won’t be happy with their new rules, the plan is to make the road safer for everyone.  Drivers under the age of 18 account for 20% of all accidents in New York, but only 12% of their drivers.  While most people assume the crashes are related to drinking, they usually are not.  The problem is inexperience on the road and distractions in the car.

Starting February 22, under-18 drivers will only be permitted one non-family passenger that is under-21 unless the driver’s parent or guardian is also in the car.  New drivers will also have to complete 50 hours of driving instead of 20 in order to obtain their learner’s permit, with 15 hours occurring in the dark.  In order to get a license, young drivers will have to have their learner’s permit for at least 6 months.  The limited-use junior driver’s license that used to exist in NY will be eliminated with this new law.

The new law is good news for insurance companies like Dairyland insurance.  Teenagers tend to be nervous drivers because of their inexperience on the road.  Adding the distraction and peer pressure of a car full of friends can easily lead to riskier decisions and more accidents.  Fewer accidents not only keeps other drivers safe, it can make for cheap car insurance rates as companies pay out less money in claims.  New York State’s new law will help teenagers obtain more driving experience before being left alone in their cars and help eliminate the distraction of other teenagers in their vehicle.

Fewer Road Deaths Might Lower Dairyland Insurance Rates

Wednesday, November 18th, 2009

According to “Drunken driving, and motorcycle deaths decline” by Gary Richards in the Daily Democrat, deaths caused from drunk driving and motorcycle crashes have declined in California.  He believes that in addition to harsher laws, better enforcement, and stronger public awareness outreach, the economic downturn has also had an impact.  People are staying home to drink rather than spending money at bars and having parties or tailgates.  They may also be less apt to buy a motorcycle or to take weekend road trips up the coast that cost money.

Dairyland Insurance specializes in motorcycle insurance along with their auto policies.  It is possible that lower death rates caused by fewer crashes could help to decrease insurance rates nationwide.  DUI’s now stay on your record for 10 years instead of 7 and some counties are running trial programs where even first time offenders will have to blow into a breathalyzer before the ignition on their car will start.  Whatever it takes to get people to be more careful on the roads means fewer crashes and less money that insurance companies are paying out.  And a lower death rate is good for everyone on the roads.

Student Discounts with a State Farm Insurance Quote

Thursday, September 24th, 2009

In the Wall Street Journal’s article “Premium Opportunities” by Aleksandra Todorova, the issue of student discounts from State Farm Insurance is discussed.  When teenagers are added to their parents policies, car insurance rates can double.  Once the students head off to college and maintain good grades parents should get a State Farm Insurance Quote to see if they can get a discount.

Since boys typically add more to their parents insurance to start with they usually receive larger good student discounts.  Discounts can range from 9%-35% depending on gender, how much they drive, and some other factors.  Dairyland Insurance can get you numerous car insurance quotes, including for State Farm.  For those thinking that maybe they should just purchase a separate policy for their student, research from Indianapolis shows that adding a student to their policies is an average of $400 cheaper than getting them their own policy.