All posts by zawada

A Few Reasons Why Insurance Is Necessary

Insurance is just one of those things that you hope to never need, but are incredibly glad you have it if and when you do need it. That being stated, there are multiple types of insurance to choose from, and they are all valuable in different ways.

The main point of having insurance coverage is to mitigate your overall risks in life.

In essence, insurance is there to protect you when the junk hits the fan. In fact, making a small investment in personal insurance will provide you with the ability to not only live with far less stress, it will also provide you with security in advance.

The bottom line is that insurance is far more than a simple tax savings tool. It also provides you with multiple vital benefits. The following information will provide you with a few reasons why insurance is not only important, but also necessary.

Reason #1: Insurance Protects Your Loved Ones

Although your current income may comfortably support your family and their future goals, what would happen to them if you suddenly died? Would your spouse and your children be able to meet their current financial needs, let alone their future ones without you?

If you truly want to provide for your loved ones no matter what happens to you, consider purchasing a term life insurance policy.

If you do happen to pass away before your time, your family will receive either a lump sum amount, or a monthly payout that will provide them with enough money to cover their financial requirements now and in the future.

The good news is that term life insurance is a type of coverage that has an affordable premium cost. The investment is well worth the fee. You will be able to live with the peace of mind of knowing that your family will be well taken care of from a financial standpoint.

Reason #2: Insurance Protects Your Assets

If you own a house, other types of real estate property, a business, or anything of value than you need the appropriate insurance coverage in order to protect those assets.

For example, your homeowners/property owner’s insurance policy covers the cost to repair or replace your real estate and valuable contents that are damaged or destroyed by fire and most natural disasters.

Your automobile insurance policy pays for repairs or replacement of your vehicle if you get into an accident. Protecting your assets is extremely important because you just never know when a catastrophe will occur.

Reason #3: Insurance Protects You From Liabilities

We happen to live in an extremely litigious world. It seems as if everyone is looking to sue you in order to benefit from a monetary gain.

That means you need to have the proper insurance policies in place in order to protect you from those liabilities. For example, homeowners/property owners/renters insurance protects you if a person is injured while visiting your house, commercial/industrial property, or apartment.

In essence, if that person decides to sue you, the insurance will typically cover the costs so that you will not need to pay out of pocket. The same holds true for automobile insurance.

If you cause an auto accident and the other party or parties are injured, you will be held liable. Once again, the insurance will typically cover the costs so that you will not need to pay the victims out of pocket.

In conclusion, life in incredibly uncertain and has a way of throwing surprises at you when you least expect it. In order to be fully prepared to deal with the contingencies in life, insurance is absolutely essential.

It is important to fully understand exactly what you are purchasing when it comes to insurance policies. If you have any questions, please call (508) 831-0133 to contact an associate at Zawada Insurance. We are happy to walk you through the details of your insurance policies and explain your coverage options. We look forward to helping you with all of your personal and or business related insurance needs now and in the future.

Save Money By Avoiding These Insurance Mistakes

Let’s face it, saving money feels awesome. Saving money on your insurance coverage is an excellent way to either put away, or spend a few extra bucks each month. That being stated, reducing your coverage or even dropping important pieces of the insurance puzzle can backfire on you in a significant manner.

You need to focus on the entire picture. If you only concentrate on the numbers and leave the results out of the equation you are doomed to fail.

In essence, you are taking the risk of ending up underinsured. That means you may very well end up being responsible for paying humongous bills out of pocket if and when a disaster strikes. Avoiding the following insurance related mistakes will go a long way in helping you save money without the risk.

Mistake #1- Selecting An Insurance Company Based Only On Price

Competitive prices are certainly an important aspect of choosing an insurance company. However, you also need to be sure that the company you decide to do business with provides great customer service and is financially sound.

You can test an insurance company’s customer service by reading online reviews, asking your contact list about their experience with the business, and checking their Better Business Bureau rating. You can also check the financial health of the business with an independent credit rating agency such as Moody’s or A.M. Best.

Mistake #2- Eliminating Flood Insurance On Your Home Or Commercial Property

Did you know that damage that is caused by flooding is not covered under the standard property insurance policy? It is also not covered under a standard renter’s insurance policy.

Although you may not be aware that you are at risk of a flood, you do need to keep in mind that approximately 25% off all floods occur in low flood risk areas. In addition, spring runoff from melting snow happens to cause a significant amount of flooding in Massachusetts.

Even if you never experience a flood, having flood insurance will provide you with peace of mind just in case one happens to strike.

Mistake #3- Failing To Purchase Renters Insurance

Are you aware of the fact that renters insurance covers both your possessions and the addition cost of living expenses if you need to move out of your apartment in case of a disaster such as a hurricane or fire?

Just as important, your renter’s insurance policy also covers you for liability protection if another party is injured while at your home. This comes in extremely handy if they decide to sue you.

You can actually save money by looking into multi-policy discounts. For example, when you purchase numerous insurance policies with the same company, they will typically provide you with a package deal.

Mistake #4- Purchasing The Minimum Amount Of Automobile Liability Insurance

When you only purchase the minimum amount of legally required Auto Liability insurance you are getting what you pay for, which of course is minimum coverage. That means you will need to pay far more out of pocket if you cause an auto accident and are sued.

This of course can completely jeopardize your personal financial well being. The good news is that you can save money by dropping collision and or comprehensive coverage on automobiles that are worth south of $1,000.

It is important to fully understand exactly what you are purchasing when it comes to insurance policies. If you have any questions, please call (508) 831-0133 to contact an associate at Zawada Insurance. We are happy to walk you through the details of your insurance policies and explain your coverage options. We look forward to helping you with all of your personal and or business related insurance needs now and in the future.

The Top 3 Benefits Of Working With A Local Insurance Agency

The Internet happens to be a remarkable tool that makes purchasing items incredibly convenient and easy for shoppers across the globe. Simply click a button, or better yet an icon and like magic your items appear at the door within a few short days. While online shopping may be the best method of buying products that need little to zero explanation, it tends not to work out so well for products/services that are of a more complex nature. A good example is personal and business insurance policies.

Although you may see a plethora of options when shopping online for automobile insurance, home insurance, life insurance, and even business insurance, the decision as to what coverage you need and at what limits is complicated to say the least. If you select the wrong products and coverage’s within those products, you may very well find yourself paying hundreds or even thousands of dollars out of pocket when you do need to make a claim.

Many people do not realize that choosing the proper insurance policies is as important to your financial health as exercising and eating properly is to your physical health. So why not leave it up to experts instead of to chance? The following information will provide you with the top three (3) benefits of working with a local insurance agency.

Better Customer Service

Would you rather reach an automated recording or an actual person when you call your insurance company with questions, or worse yet, you need to report a claim? Most of the large insurance companies, especially the ones that primarily conduct business online, have switched to automated systems. That means it is far more difficult to reach the correct person. It is also significantly more time consuming.

On the other hand your local and independent insurance agency will have an actual person to greet you when you call or stop by the office. In the unfortunate event of a claim, your local insurance agent will fully explain exactly what your policy covers. For example, if you have experienced a significant loss due to fire damage to your home or business, your local insurance agent will connect you with a reputable remediation company immediately.

Knowledge Of The Local Area

An important benefit of working with a local insurance agency that most people do not think of is the fact that the agents have first hand knowledge about your community. Many local insurance agents have lived in your area for years. Their information about the community can actually be utilized in order to protect your assets and reduce your risks. For example, an insurance company located in California probably is not familiar with the high water tables in New England that increase the risks of floods when the snow melts in the spring.

A local agent will be able to recommend basement water coverage, which is not included in most homeowners’ insurance policies. Local insurance agencies also have the know how and ability to provide you with seasonal tips that will eliminate or significantly reduce risks such as raking your roof when it snows in order to prevent ice dams.

Saves Both Time And Money

Large insurance companies that promise to significantly reduce your insurance rates may seem to be a cost-effective choice. However, working with a local insurance agency will actually save you money in the long run. Local agents will ask you questions, and take the time needed to become familiar with your exact circumstances, instead of simply providing you with an instant insurance quote and rate. That means your local insurance agent has the ability to ensure that the coverage they design for you will sufficiently protect both you and your assets in the event of a claim.

It is important to fully understand exactly what you are purchasing when it comes to insurance policies. If you have any questions, please call (508) 831-0133 to contact an associate at Zawada Insurance. We are happy to walk you through the details of your insurance policies and explain your coverage options. We look forward to helping you with all of your personal and or business related insurance needs now and in the future.

Does Your Small Business Need A Commercial Auto Policy?

Commercial Auto insurance protects the vehicles that your small business owns or leases. It also protects the passengers inside of those vehicles in the event of an accident. In addition, commercial auto insurance provides protection for vehicles that are owned or leased personally by the business owners, but are also utilized for particular business purposes. In essence, this type of insurance has a combination of both liability and property characteristics.

For example, the liability aspect protects your business if it happens to be at fault for causing an auto crash, and that accident causes bodily injury or damages to another party’s vehicle or property. The property portion protects the value of your vehicle against accidents, theft, and other types of dangers. The question at hand is does your small business need a Commercial Auto policy? Please read on in order to find out.

Do You Need A Commercial Auto Insurance Policy?

If your business owns or leases any vehicles that are titled in the name of the organization, than the answer is yes, you need a Commercial Auto insurance policy. The Commonwealth of Massachusetts requires every vehicle that is registered in the state to have a minimum amount of liability insurance coverage. If you own a small business you need to a Commercial Auto insurance policy for any vehicles that are owned or leased under your business or personal name, and are driven by employees, co-workers, clients, or volunteers.

In addition, you will need Commercial Auto insurance for any vehicles that are utilized for business purposes such as transporting clients, visiting work sites, or transporting goods and materials that directly relate to the operation of your business. If you transport goods or passengers for a fee, including ride-sharing services and package delivery, than you also need to take out a Commercial Auto insurance policy. You will also need Commercial Auto insurance if you own or operate a truck, box truck, dump truck, food truck, or other large truck or cargo type of work van.

Commercial Auto insurance does not cover your employees who drive their personal automobiles for business related purposes. For example, small businesses that have employees driving their personal vehicles when conducting business related errands, such as dropping off or picking up mail at the post office, should purchase a Hired And Non-Owned Auto Insurance policy in addition to their commercial auto coverage.

The policy is also available for small businesses that do not own or lease vehicle and or do not need commercial auto coverage, hire livery cars to pick up and drive around clients, and send employees on business trips where they rent vehicles. Hired And Non-Owned Auto does not cover commuting from home to work, or any personal type errands in vehicles that your business does not own.

Vehicles Covered Under The Commercial Auto Insurance Policy

Commercial Auto policies cover cars, sports utility vehicles, light pick up type trucks, and vans that are utilized for business related purposes. The policy will also cover large trucks that are typically excluded from Personal Auto policies such as box trucks, dump trucks, food trucks, service utility trucks, and trailers. Commercial Auto insurance is available for organizations with both small and large fleets that range from one (1) vehicle to many.

It is important to fully understand exactly what you are purchasing when it comes to insurance policies. If you have any questions, please call (508) 831-0133 to contact an associate at Zawada Insurance. We are happy to walk you through the details of your insurance policies and explain your coverage options. We look forward to helping you with all of your personal and or business related insurance needs now and in the future.

The Various Types Of Life Insurance Part 2 Of 2

As mentioned in part one of this article, term life insurance is the most popular type of life insurance amongst consumers. This is due to the fact that it is both cost effective and easy to understand. However, there are other types of life insurance that will provide you will additional benefits. You may very well decide to invest in one of the policies that are listed below depending on a vast variety of factors. It is always a smart idea to consult with an insurance professional prior to making any insurance related decisions that can affect the financial security of your loved ones.

Permanent Life Insurance

Although term life insurance is fairly easy to understand, permanent life insurance becomes a tad more complicated. This is due to the fact that permanent life is trying to accomplish two things at once. First and foremost, the intent of a permanent life insurance policy is to pay your beneficiaries in the event of your death. The second part is where it becomes more complicated. Permanent life insurance can also be used as an investment account because it includes something called cash value. In essence, cash value is like a savings account where you deposit money every month.

It is a pool of money that you own, which means you can access it or borrow against it. The longer that you have the policy, the more cash value the policy actually has. Another bonus is the fact that the permanent life insurance policy does not expire. In essence, it will continue on until the day you die, or cancel the policy. The details of how much money your loved ones will receive upon your death, how the cash value grows, and other important factors typically depends on the exact policy that you purchase. Permanent life insurance policies can include whole life, universal life, or variable universal life.

Whole Life Insurance

When you purchase a whole life insurance policy you pay a locked in premium amount to the insurance company each month until you either die, or decide to cancel the policy, which of course is not recommended. A portion of the premium goes into the cash value, which grows over the whole life of the policy. In essence, the longer you own the policy, the more money it is worth from a cash value perspective. Although whole life insurance is more expensive than term life insurance, having the opportunity to utilize a portion of your monthly payments as a cash value is certainly something to consider if the premium is still affordable.

Universal Life Insurance

Universal life insurance has a death benefit and cash value just like a whole life a whole life policy. However, universal life insurance policies offer adjustable premiums. In essence, you may be able to access some of the cash value in order to adjust your payments, which is a nice benefit that saves you money out of pocket. The bottom line is that the investment will grow over time, and may even be enough to offset the premium all together. Keep in mind that if you do choose to apply cash value to your premium payments, the cash value will decrease. That being stated, it is a worthwhile option to have, and is certainly something to consider if the premium is affordable.

Variable Universal Life Insurance

Perhaps the most complicated life insurance program is the variable universal life insurance policy. In essence it is a life insurance policy, a savings account, and a mutual fund all wrapped into one investment vehicle.  Variable universal life provides you with the ability to decide how your cash value is invested. As with any traditional mutual fund, there are both rewards and risks involved in the process. Here is how it works. You will be presented with a vast variety of investment options for your cash value, and you choose how risky you are with the investments. The bottom line is that you are in control of where your money is invested, however the policy has zero guarantees regarding how much money the cash value will end up being worth.

It is important to fully understand exactly what you are buying when it comes to insurance policies. If you have any questions, please call (508) 831-0133 to contact an associate at Zawada Insurance. We are happy to walk you through the details of your insurance policies and explain your coverage options. We look forward to helping you with all of your personal and or business related insurance needs now and in the future.

The Various Types Of Life Insurance Part 1 Of 2

Life insurance can be a confusing topic, especially for people that do not like to think about their ultimate demise, let alone talk about something as morbid as death. However, it is incredibly important to protect your loved ones, from a financial standpoint, just in case you do happen to die suddenly. Having the correct life insurance policy in place will accomplish that. The good news is once you have set it up, it is not something that you have to think about on a frequent basis.

All you really need to do is simply pay the bill when it is due, live your life, and sleep well at night knowing that your family will not face financial ruin upon your passing. That being stated, it is also important to know a bit about what you are getting into when purchasing a policy. As mentioned above, it can be a confusing topic unless it is properly explained.  So without further ado, the following information will teach you about the various types of life insurance.

Term Life Insurance

Term life insurance is the most popular types of life insurance available on the market. This is due to the fact that it is fairly simple and typically the most affordable choice that you can purchase. This type of life insurance does one thing and one thing only. The bottom line is that it pays the people you choose a fixed amount of money if you die. However, the term life insurance policy is not worth anything unless you do happen to die during the term.

In essence, you are paying the insurance company to assume the financial risk of your death during the period of time that the policy is in effect. The typical terms are typically 10 years, 15 years, 20 years, and 30 years. Here is an example of how it works. If you purchase a 10-year term life insurance policy with $250,000 coverage, you will make monthly payments for ten years. If you happen to die within those ten years, the insurance company will issue a check to your loved one in the amount of $250,000. This is known as the death benefit.

However, if you live longer than the ten years, the policy ends. The good news is you have outlived the policy. The bad news is that you need new life insurance coverage. That is why most consumers choose a longer term from the start, such as 20 or 30 years. The cost of the policy increases for longer terms. So a 10-year policy will cost you less than a 30-year policy. The other factor that determines the price you pay for the policy is the payout. It is highly recommended that you purchase a term life insurance policy that is 10-12 times your annual income.

If something happens to you, the death benefit will go a long way in replacing your income for the long term. Although a term life insurance policy is the most cost effective manner in which to protect your loved ones, the other types of life insurance plans provide additional benefits.

….To Be Continued….

It is important to fully understand exactly what you are buying when it comes to insurance policies. If you have any questions, please call (508) 831-0133 to contact an associate at Zawada Insurance. We are happy to walk you through the details of your insurance policies and explain your coverage options. We look forward to helping you with all of your personal and or business related insurance needs now and in the future.

Understanding Insurance Policy Terms And Conditions

Understanding insurance terms and conditions can be confusing to say the least. However it is incredibly important for you to have at least a working understanding of the verbiage that is contained within your policies. That way you will be a well informed consumer that has a grip on how your choice of insurance will ultimately affect your life. In essence, the more the you known the better off you will be when you need to count on your insurance policies to protect your assets and property. You just never know when a disaster will strike, and disasters are bound to happen. The following information will explain some key terms and conditions that are in the small print of your policies.

The Insurance Deductible

The insurance deductible is the amount of money that you pay out of pocket when you make an insurance claim. People that choose higher deductibles pay less money for the policy, but more money when they file a claim. For example, you may have the choice to pay a $500 or a $1,000 deductible on your automobile insurance policy. If you choose the $1,000 option, your monthly, quarterly, or lump sum insurance policy payments will be approximately 25% less than if you choose the $500 option. However, if you are in an automobile accident and file a claim, you will pay $1,000 out of pocket instead of $500 out of pocket. It is a delicate balance whether to save money now, or in the future when you file a claim.

Exclusions

Exclusions are basically the items that are not covered as part of your insurance plan. For example, your homeowners’ insurance policy may very well not cover floods. That means you need to have a separate flood insurance policy if your property is at risk of flooding. A great deal of property owners are under the false assumption that the homeowners policy covers every type of disaster including floods. Imagine their surprise when they enter a claim only to find out that floods are not covered? That is exactly why it is so important to read the fine print of your insurance policies, and work with an insurance agent that will explain everything in detail. You certainly do not need any surprises when dealing with an unpleasant situation.

Special Limits

A plethora of insurance policies are capped regarding the amount of money that they will pay out when a claim is filled. For example, your automobile insurance will pay out a maximum of $100,000, and you caused an accident and are being sued for $1,000,000. If you are unaware of the special limits that your policy provides, you may very well be responsible for paying the difference. Once again, always read the fine print and work with an insurance agent that will take the time and make the effort to ensure that you are properly covered.

Basis Of Claims Settlement

The basis of claims section basically spells out the terms on how the claim will be paid. For example, home insurance claims can be paid in replacement costs or cash value. The terms of the claim settlements can make a considerable difference on how much money is actually disbursed.  That is yet another reason why it is so crucial to work with an insurance agent that will explain to you how the claims are paid, and what to expect from the claim process.

In conclusion, it is important to fully understand exactly what you are buying when it comes to insurance policies. If you have any questions, please call (508) 831-0133 to contact an associate at Zawada Insurance. We are happy to walk you through the details of your insurance policies and explain your coverage options. We look forward to helping you with all of your personal and or business related insurance needs.

The Top Three Mistakes To Avoid When Purchasing Insurance Policies

Saving money is always a good thing, and shopping around for the best deal when purchasing insurance is a good way to save a few bucks. That being stated, it is not a good idea to reduce your coverage in order to save money. In fact, it can cost you a significant amount of money when a disaster happens to strike. You certainly do not want to be one of those people that are left holding the bag. The good news is that you can save a lot of dough and still have the proper insurance coverage if you make good decisions when choosing your insurance plans. The following information will provide you with the most common mistakes that people make when purchasing insurance policies.

Mistake #1: Insuring Your Home Based On Value Instead Of The Rebuilding Cost

Homeowners insurance is intended to cover the cost of rebuilding, not the current sales value of the property. That means when real estate prices happen to drop, it is not a good idea to reduce the amount of insurance you carry on your home. Unfortunately, far too many property owners make this tragic mistake. Instead, you should always ensure that you have enough coverage to rebuild your home, and replace all of your belongings regardless of what the current real estate market values are. A great way to save money is to raise your deductible. For example, increasing the deductible from $500 to $100 could very well save you upwards of 25% on your homeowners’ insurance payments.

Mistake #2: Choosing An Insurance Agent Solely Based On Price

While it is important to select an insurance agent that offers competitive pricing, it is more important that the agent you work with is both financially sound, and provides a high level of customer service. Often time’s consumers choose an insurance agency based on price alone. Like the old saying goes, you get what you pay for. In this case it can equal cut-rate service. Imagine having to deal with a major issue, such as a fire at your home, and it takes 20-30 phone calls before you receive a return call from your insurance agent? Quality counts a great deal when dealing with an emergency, meaning cut rate service simply does not cut it.

Mistake #3: Skipping The Renters Insurance Policy

A plethora of renters are under the false impression that if a fire, hurricane, or other insured disaster happens to strike that their landlord is responsible for everything. The truth of the matter is that you need your own insurance policy to cover your possessions and additional living expenses if you need to move out due to the disaster. Just as important, renters insurance also provides you with liability protection if a third party is injured while visiting your home and decides to sue you in court. Instead of skipping out on the renters’ insurance policy in order to save money, it is a far smarter idea to save money by bundling multiple policies with the same insurance agent. For example, if you purchase a bundle of renters insurance, automobile insurance, and life insurance it will save you money on all three policies.

In conclusion, there are things that you can do in order to save money without scarifying insurance coverage. If you have any questions, please call (508) 831-0133 to contact an associate at Zawada Insurance. We are happy to walk you through the details of your insurance policies and explain your coverage options. We look forward to helping you with all of your personal and or business related insurance needs.

Ways To Avoid Unnecessary Accidents In Your Home

Most homeowners strive to make their home a safe and happy place for family, friends, neighbors, acquaintances, and everyone else that happens to visit on a frequent basis, or even on rare occasions. However, a plethora of accidents and injuries happen to occur during gatherings at residential properties. Fortunately, the vast majority of these accidents and injuries are completely avoidable. That being stated, when a visitor to your home is involved in an accident or becomes injured at your property, you are responsible from a legal and financial standpoint.

That is just one of the multitude of reasons why your homeowners insurance policy is so important. In essence, it covers your guests’ medical expenses if they happen to suffer an injury at your property. Your homeowners’ insurance policy also covers legal fees and any financial damages if an injured visitor happens to sue you in a court of law. Hopefully, it never gets to that stage. The following ways to avoid unnecessary accidents in your home will go a long way in ensuring that you are not sued by any of your visitors.

Clean Up Spills Immediately. How many times has someone spilled something at one of your parties or smaller gatherings? You probably need a calculator in order to figure out that amount. Needless to say, it happens all of the time. From good old Uncle Ned dropping his full plate of food on the floor, to one of the kids spilling his or her cup of juice, it may seem that you spend most of the party cleaning up after them. That is actually a good thing, because it is incredibly important to clean up those spills immediately after they occur. Otherwise you are creating a potential slipping hazard that could have otherwise been avoided. When people slip and fall they typically injure themselves.

Secure All Area Rugs. If you have area rugs covering slippery surfaces such as wood, tile, slate, granite, or marble floors it is important to make sure that they are secure prior to having people over to your home. Otherwise the area rugs may very well move around and cause people to slip or trip. You can avoid this by securing them with nonskid pads, or double-sided carpet tape in order to keep them in place. You can also purchase area rugs that contain slip-resistance backings. Either way, securing all of the area rugs in your home will go a long way in preventing your guests from becoming injured.

Do Not Forget About Stair Safety. Stairs can be the cause of accidents in the home for a variety of reasons. First and foremost, a great deal of people trip or slip and fall when climbing up or down stairs. This holds true even if there are absolutely zero issues with the stairs. In order to reduce the risk of falls, make sure that your handrail actually runs the full length of the staircase. In additions, if your staircases are carpeted, make sure that the carpet is secure. Do not put any area rugs or mats at the base or top of the stairs, as they are tripping hazards when located on those areas.

If you are planning to paint stairs at your home, please keep in mind that the paint may very well cause a slippery surface. Add a secure runner to provide the stairs with additional traction. For outside steps that are not well lit, you can either add flood lights that point on the stairs, and or paint the edges white so they can be seen in the dark.

In conclusion, taking the additional time to ensure that accidents do not occur at your home when hosting guests will go a long way in avoiding injuries. If you have any questions, please call (508) 831-0133 to contact an associate at Zawada Insurance. We are happy to walk you through the details of your homeowners’ policy and explain your coverage options. We look forward to helping you with all of your personal and or business related insurance needs.

3 Tips That Will Help You Avoid Speeding Tickets And The Insurance Surcharges That Go Along With Them

3 Tips That Will Help You Avoid Speeding Tickets And The Insurance Surcharges That Go Along With Them

Did you know that in the Commonwealth of Massachusetts speeding points are automatically linked to your automobile insurance premium? In essence, your insurance rate will increase if you are found guilty of a speeding violation. These points typically remain on your driving record for six (6) years, which means that you will be paying a higher automobile insurance rate for those six (6) years. The increase can be significant based on the particular violation and the resulting amount of the speeding ticket. That being stated, it is important to do whatever you can to reduce your chances of receiving a speeding violation. The following three tips will help avoid speeding tickets, and the insurance surcharges that go along with them.

Tip #1- Drive The Speed Limit- Although this may sound a bit obvious, driving the speed limit is the best way to ensure that you will not receive a speeding ticket while driving on local roads, and highways. If you do not speed, you will never need to worry about receiving a ticket from a police officer. In addition, you will significantly reduce the chances of being involved in an automobile accident, particularly a fatal one. According to the National Highway Traffic Safety Administration, speeding is a contributing factor in over 30% of all fatal automobile accidents each year. Typically speaking, approximately 10,000 plus human lives are lost due to accidents caused by speeding on a yearly basis.

Tip #2- Plan Accordingly- One of the main reasons that drivers speed is because they are in a rush. Our society happens to place a high value on efficiency, and as a results far too many of us have become programmed to do everything as fast as possible. That typically leads to driving over the speed limit when operating an automobile. However, most drivers fail to realize that speeding does not get you anywhere significantly faster than driving at or even slightly below the speed limit. For example, if you are driving 10 miles per hour over the speed limit, you will only gain two (2) minutes when traveling for 15 miles when the listed speed limit is 55 miles per hour. It is certainly not worth saving a measly two (2) minutes to take the risk of receiving a speeding ticket, let along getting into an accident.

If you happen to be the procrastinating type or run late a lot, speeding will not help you to get from point A to point B much faster. The best thing you can do is plan ahead so you will know exactly how long it will take to arrive at your destination. That way you will feel far less inclined to blow past traffic when you hit the road.

Tip #3- Select The Right Type And Color Automobile- Believe it or not, the type and color of your car, truck, or SUV can make a big difference when it comes to receiving speeding tickets or not. For example, white, gray, silver, and red automobiles are pulled over far more often than any other colored vehicles. The model of your automobile can also affect your chances of receiving a speeding ticket. According to a recent study, three specific models were 300% to 400% more likely to receive a speeding tickets when compared to other automobile models. They are the Mercedes-Benz SL, the Toyota Camry Solara, and the Scion T. If you drive one of these models it may be time to purchase or lease something else, particularly if the automobile is white, gray, silver, or red.

In conclusion, there are things that you can do in order to avoid speeding tickets and those nasty auto insurance surcharges that along with them. If you have any questions, please call (508) 831-0133 to contact an associate at Zawada Insurance. We are happy to walk you through the details of your automobile policy and explain your coverage options. We look forward to helping you with all of your personal and or business related insurance needs.