Month: February 2017

First Time Buying Auto Insurance in Sandypoint? Here’s What You Need to Know

Posted on by AgentInsure

Getting your first car is one of the most exciting times of your life.  You will never forget your first car.  It symbolizes a rite of passage from the world of childhood to the adult world of responsibility.  Having a driver’s license is a privilege and having a car is a luxury, although a necessity for many Americans who do not live close to public transportation and who have to rely on a car to get everywhere. 

Just as exciting is moving to a new place, like Sandypoint ID, and purchasing a new car or bringing yours with you.  Whether you have just purchased a new car or have recently moved to Sandypoint ID and are looking for a new auto insurance policy for the area, here are a few tips for buying auto insurance in Sandypoint ID for the first time.  

1. Talk to a Trusted Agent before You Buy

Think of an insurance agent as a catalyst or matchmaker. Their job is to bring together you, the driver, with an insurance company that provides the best policy at the best price for you.  

2.  Understand Your Policy

Know what is and isn’t covered.  Understand the amount of your deductible and how that works. Also, if you don’t own your car outright but pay a car loan to a lender every month, you are probably required to purchase full coverage for your vehicle.   

3. Don’t be Afraid to Ask for a Discount

Do you have perfect grades in school? Drive part time? Considered a senior citizen?  These are just a few of the discounts that some insurance companies offer.  Also, consider bundling insurance policies for an even better rate.  You can bundle homeowner’s insurance with your auto insurance policy, for example.  

At The Insurance Shop, our friendly agents will assist you through the maze of buying Auto Insurance in Sandypoint ID for the first time. But really, its not that complicated. It’s simply something new you will learn, and our agents at The Insurance Shop USA are standing by to help.  

 

 

 

 

 

 

 

 

 

 

Tricks to Avoiding Water Damage

Posted on by AgentInsure

As a homeowner in Sandypoint, ID, you already know that you do not want to deal with any water damage in your home. However, even though you may not want water damage to happen in your home, that doesn’t mean it will not. Instead of hoping for it not to happen, you should use these tricks to avoiding water damage from The Insurance Shop USA.

  • Never pour grease down your sink. You may have thought this was an old wives tale but it is true. Never pour it down even with hot or cold water. It can lead to buildup and eventually blockages that can cause your pipes to burst. 
  • Watch where you plant trees. Even if you want them in a specific spot, you need to be aware of any underground pipes that may be around. The roots from the trees will not be an issue immediately but they will eventually so you need to be careful where you plant and ensure the trees are far enough away from the pipes. 
  • Keep a close eye on your water bill. You should know how much you normally pay for water so if your bill ever increases when your usage hasn’t, you need to inspect for any small leaks. 

One of the best tricks to being prepared for water damage since you cannot prevent it completely is to get a home insurance policy that includes a water damage clause. If you do not already have one, be sure to reach out to The Insurance Shop USA serving Sandypoint, ID for a free quote and to explore options. If you do have one, let them look at your current policy to ensure you are not paying too much and that you do not have any gaps in coverage. 

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