Category Archives: Car Insurance

New Year, New Insurance

How to Get Lower Rates on Your Insurance

As the New Year approaches, one of your resolutions may be to find more ways to save money. You can do this by rethinking your insurance policies. It’s always a good idea to do an annual insurance review, because you might discover that you could be eligible for discounts and other savings that you aren’t currently taking advantage of!

For example, if you have an older car, you may have had the same car insurance for years. But did you know that your rates could be lowered based on any changes that have happened recently? For instance, if you changed jobs and don’t commute as far, that can affect how much you pay. And most likely, it will reduce the cost.

More Ways to Save on Homeowners Insurance

Also, you might be eligible for discounts to your Homeowners Insurance if you recently installed a security system or quit smoking. If you started bundling all of your insurance policies with one company, they’ll most likely give you discounts for that, too.

How to Do an Annual Insurance Review

Take time before the New Year to collect all of your insurance policies, whether it’s home, auto, renter’s, motorcycle, etc. Usually you can find the basic information on the summary page of your policy. Here’s what to look for: the amount of coverage, your premium costs and your deductible. Keep in mind, if you want to lower your premiums, you’ll be raising your deductible. First, you should make sure you can afford the deductible amount if you have to make a claim.

Could You Rebuild Your Home If You Had To?

This is an important question when you’re reevaluating your home insurance. The reality is, construction costs could be much higher than when you first took out your insurance policy. Also, remember that insurance companies will tell you that if something major needs to be replaced, it will be replaced with something of “like kind and quality.” Your kitchen may still look like the 1980s. If you needed to upgrade your kitchen with more contemporary cabinetry and appliances, you’ll need to be able to cover that cost.

Did You Purchase Valuable Items?

In the past year, you may have purchased jewelry or other very valuable items that you may not have extra coverage for. Do an inventory to make sure you haven’t forgotten that priceless painting! If you discover that you did buy something like that, you’ll need to increase your coverage for “personal possessions.”

Is Your Home More Likely to Flood?

When you purchased your house, it may not have been in a flood zone at the time. But in recent

years, have you had more damaging storms and repeated flooding in your basement? It may be time to consider getting flood insurance, even if it wasn’t required.

What Umbrella Insurance Can Do for You

Last but not least, consider umbrella insurance. It’s a low-cost way to get extra protection for things like your retirement fund, investments and any future income, which may all be lost as the result of a lawsuit. Many people don’t think about liability coverage until it’s too late. So umbrella insurance will help protect you above and beyond your standard home and auto insurance coverage.

For all your home, auto and other insurance needs, please contact Zawada Insurance Agency. We work to give you comprehensive coverage at a competitive price.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

Best Ways to Save on Car Insurance

You’re getting ready to purchase a new car. There’s excitement in the air as you scan the showroom with all the brand new models. . . While haggling with the dealership may be stressful, you don’t want any surprises when you purchase insurance for your new car. Some new car owners are shocked at the hike in their insurance rates because of the car they just purchased. So make sure you’re well-informed before you buy.

Try to keep your premium low.

When you buy insurance, you will have a deductible that can range from $300 to $1,000. Remember, the higher your deductible, the lower your premium. You should, of course, choose a deductible that best fits your budget.

Don’t assume an older car will mean cheaper insurance. 

Some new car owners think that if they get an older model, or a used car, their insurance rates will be lower than a newer model. This isn’t always the case. Older cars are more attractive to car thieves because they can easily sell the parts, so there is still a risk, as with everything. If you get a manual shift, your car is less likely to be stolen because more people know how to drive an automatic transmission.

Check your credit score.

Before you go car shopping, hopefully, you will have checked your credit. This gives you a lot of leverage, not only with the dealer, but with your insurance carrier as well. Those who have good credit are perceived as being more responsible and less likely to get into accidents. Whether or not this is true remains to be seen, but it’s the assumption that is made.

Buy when your driving history is good.

If you’ve recently had a lot of accidents, or even traffic tickets, these will affect your insurance rates. On the upside, not all mishaps are treated equally in the eyes of insurance carriers. Sometimes, timing is everything. For example, if you were found at fault in an accident that happened three to five years ago, it will less likely be a determining factor in how much you pay.

Get as many safety features included in your car as possible.

Insurance companies look favorably on cars that have extra security features, such as a back-up camera to help you see better when you’re pulling out of a parking space. Other features may include driver- and passenger-side airbags, daytime running lights, automatic seat belts, anti-lock brakes, and extra signal lights on your side mirrors. Anti-lock brakes are especially important in places like New England, to help prevent skidding in the snow and ice. All of these “extra” safety features can help to reduce accidents.

At Zawada Insurance Agency, we’ll help you shop around to find the best deals on car, home, and other types of insurance—including bundling, if it helps you to save more.

Please contact Zawada Insurance Agency for details.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

Getting Spiders Out of Your Car

Prevent Auto Accidents Now!

Warmer weather means different types of hazards on the road. Some can be quite unexpected—and the results can be disastrous. Maybe it’s happened to you. You’re driving down the road and all of a sudden, a spider drops on your head! This may cause you to swerve into oncoming traffic, a ditch, or something that can result in a serious accident.

The Facts about Accidents Caused by Spiders and Insects

It happens more often than you think. According to CNN, in Oregon, a driver flipped over when a spider came down from the rearview mirror. In North Dakota, some kind of insect flew into the window of a truck, and as the driver tried to get it out, the truck overturned. It was carrying parts for rocket engines! Luckily, both drivers survived these accidents.

In fact, thousands of accidents every year are caused by spiders and insects, resulting in approximately $44 million in damages to vehicles.

Do You Have Spiders Living in Your Car?

It’s not uncommon for you to see a web attached to one or both of your side view mirrors, especially if you live in an area with a lot of trees, and you park your car outside in a driveway and not in a garage. If you’ve seen webs outside—and inside—your car, it could mean that there’s a spider infestation in your car.

Why should this concern you? If you’re one of those people who can brush off a spider while driving and go about your merry way, that’s great. But did you know that in the western world, approximately 73 percent of people have some fear of spiders? In the United States, more than 30.5 percent of people have an intense fear of them, which is known as arachnophobia. If you’re one of these people, encountering a spider while driving could mean a serious accident like the ones mentioned above.

Keeping Spiders Out of Your Car

Prevention is better than having to evict an unwanted hitchhiker. Remember, spiders like enclosed places, preferably with some dirt and clutter. So keep your car clean! Vacuum it regularly and don’t let trash pile up inside. Spiders tend to hide behind the side view mirror because there’s a little enclosure there. Spraying (see some treatments below) around that area is a good idea. They also gravitate toward the space where the hood of the car meets the windshield, where leaves and twigs gather. So clean that area out. Once spiders inhabit your car, they can also get into the vents, and some can even cause trouble in your engine. Some auto makers have taken steps to prevent this, but it’s better to be proactive so you won’t have unnecessary car repair costs.

Getting Rid of Spiders in Your Car

If you know you already have a problem, you’ll need to take action. It may interest you to know that spiders do not like the smell of citrus, particularly lemon. If you can rub some lemon rind around your side view mirrors, this is an excellent deterrent. However, make sure none of the lemon juice runs down the side of your car, because you don’t want to damage the paint work. Spiders also do not like eucalyptus oil. It’s been said that they don’t like peppermint oil, but some people have tried that and still had webs on their car the next day, while their car smelled like peppermint. So we’ll leave that one up to you.

You could also use sprays that contain poison. But you may want to try some of the natural alternatives first, so you won’t be inhaling the poison next time you go for a drive.

Freak Accidents

A spider frightening a driver would be considered the cause of a freak accident. It falls into the category of “freak accident” because it’s something unforeseen. It’s similar to a health condition, like a seizure or heart attack, happening while you’re driving. It can’t always be prevented. But now that we are in the spring and summer months, spider issues, among others, are one of those unexpected road hazards that can be prevented. So follow the above tips, and have safe travels!

And keep checking our blog for more interesting tips and ways to keep your insurance costs down!

Contact Zawada Insurance Agency for all of your auto, home, boat and other insurance needs.  Contact Zawada Insurance Agency today.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

What is Covered in a Basic Auto Insurance Policy?

Types of Coverage You Should Expect to Have

When you purchase your first car, or buy a new one, the next step is getting car insurance. If you plan on choosing a basic policy, there are certain coverages that policy should include. We’ll take a look at some of them here.

A Word about Deductibles

When you buy insurance, you will have a deductible that can range from $300 to $1,000. Remember, the higher your deductible, the lower your premium. You should, of course, choose a deductible that best fits your budget.

Comprehensive Coverage

This type of coverage will reimburse you for loss of your vehicle. The circumstances may include theft, fire, earthquake, falling objects, floods, even severe damage caused by animals or riots. Many people don’t know it, but this coverage also takes care of a cracked windshield, too.

Personal Injury Protection

This is the one most drivers are concerned with when they get into an accident. Personal Injury will cover your medical costs, including any lost wages while you are in the hospital after an accident. It will also cover the passengers in the policyholder’s car at the time of the accident. If necessary, it will even cover funeral costs.

Bodily Injury Liability

This is the next most important one if you are involved in an accident. Bodily Injury will pay the cost if you are responsible for injuring someone else in an accident. It’s always a good idea to get more of this type of coverage than what your state requires, in case the injured party decides to sue you. Legal costs can be devastating if you don’t have enough of this kind of coverage.

Collision

This coverage pays for the cost of repairing damage to your car after you collide with another car. If the accident is your fault, your insurance company will reimburse you for any repair costs after the deductible. If it is not your fault, your insurance company may try to get back the money they paid you from the other driver’s insurance company. If they are successful, you may also be reimbursed for the deductible. This deductible can range anywhere from $250 to $1,000.  Did you know that Collision coverage will also cover repair costs from damage caused by driving over potholes?

Uninsured and Underinsured Motorist Coverage

If someone hits you and they are not insured or don’t have enough insurance to cover a total loss, and the accident is their fault, this coverage will reimburse you for the cost. It also covers you if there is a hit-and-run driver OR if you get hit by a car as a pedestrian.

Property Damage Liability

This will cover any damage you cause to another car or structure, including a telephone pole, fence, house, etc. It will also cover you if someone is driving your car with your permission.

At Zawada Insurance Agency, we’ll help you shop around to find the best deals on car, home, and other types of insurance—including bundling, if it helps you to save more.

Please contact Zawada Insurance Agency for details.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

Surprising Car Insurance Tips for Winter

4 Things You Should Know

‘Tis the season for slipping and sliding on treacherous roads. This can be a costly time as well, depending on what type of auto insurance you have. Here are some things to know so you can save money during this winter.

  1. Check that your car has recommended safety features.

If you’re planning on driving your vehicle in winter weather, or if you’re thinking of purchasing a new vehicle, you should know that having important safety features can actually lower your car insurance costs. The most important of these safety features are anti-lock brakes (ABS), which help to prevent skidding on icy roads, giving you extra traction. It’s also good if your vehicle comes with daytime running lights, so that you can see when there is low visibility, as well as be seen by other drivers. One complaint about daytime running lights is that the bulbs have to be replaced more frequently than in cars that don’t have them. But regular maintenance is necessary for all vehicles, and it is worth it in the long run.  In addition to these features, always make sure you have all-weather tires with good traction before venturing out onto snowy roads.

  1. Know the rules about accidents caused by winter weather.

Winter is a time when even the best drivers with the best records could find themselves accidentally sliding into a ditch or hitting another car. Unfortunately, even if the accident is not your fault, but caused by snow and ice, you’ll most likely lose any safe driver discount as a result.

It is widely believed that if you cause any accident, your car insurance rates will increase. This is often true, but not always.  The type of coverage you have will affect the rate you will pay, depending on the cause of the accident. Liability insurance will cover any damage to other vehicles you hit if you swerve on a slippery road. However, if someone else hits you, collision coverage will take care of the cost for repairs to your vehicle. Last but not least, if you have to have your car towed because the battery died when you got stuck in a storm, make sure you have roadside assistance included in your policy to cover this cost.

  1. Get comprehensive coverage.

Winter is a particularly hazardous time for driving, which is why it’s best to get the most possible coverage. Comprehensive coverage, for instance, will take care of things you may not have even thought about. For example, if you leave your car warming up in the driveway, and someone steals it, you’ll be thankful you have comprehensive coverage!

In the winter, any number of unforeseen events can occur. Imagine an icicle or snow-covered tree branch falling on your car and denting it or cracking the windshield. Comprehensive coverage will take care of these things.

  1. Understand the differences between auto insurance and homeowner’s insurance.  

There are some weather-related things not covered by your auto insurance policy.  For instance, if you park your car under a carport that collapses under the weight of heavy snow and damages your car—this is an event that would be covered by homeowner’s insurance, even though it affects your car.  Also, anything that involves your garage, since it’s attached to your house or even detached, is considered property that falls under your homeowner’s insurance.

For more information on which auto insurance is right for you, please contact Zawada Insurance Agency. We work to give you comprehensive coverage at a competitive price.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

Surprising Ways to Save on Car Insurance

What YOU Can Do To Lower Your Costs

Before you buy your next car, you may have a lot of questions. Should you think about auto insurance before or after you buy the car? The answer is, before. In fact, there are many factors to consider in order to get the best rate on your car insurance.

Here are a few things to keep in mind when shopping for auto insurance:

Keep the Mileage Low—and Lower Your Costs

First of all, are you getting an older or brand new car? Chances are, your rates could be lower with an older car. Also, think about how much you’ll be driving. Do you have a short commute? Or do you work from home? Also, if you’ve recently retired, you may not be putting as much mileage on your car as you used to. And this may come as a surprise—some insurance companies will offer you a discount if you drive less than what is considered the average number of miles per year. If you want more discounts for low mileage, consider being part of a car pool. The bottom line: The lower the mileage, the lower your insurance rates.

Compare Costs

When choosing car insurance, it’s good to shop around. There could always be a better deal than what you currently have. So do your homework. It’s also wise to consider bundling your insurance, because companies may give discounts if you bundle your car insurance with your home insurance.

What Kind of Car are You Driving?

There is a lot of discussion about whether brighter-colored cars get stopped more for speeding. There have been statistics about red cars being stopped more. But the color you choose isn’t as important as the safety features you have in your new car. More safety features can significantly lower your insurance costs. Other factors that insurance companies look at are the make, model, engine size and the number of drivers who are covered on your policy. Also, be sure you’re not purchasing a car that is popular with car thieves. Convertibles, for example, are very often stolen. You’ll pay more for your insurance with a convertible than a car with a regular roof. Older vehicles are also more susceptible to being stolen than newer ones because thieves can sell more parts and make a larger profit.

Don’t Overlook the Basics

Be sure to pay all of your bills on time. A good credit history is one of the biggest money savers there is. Of course, a good driving history is also desirable when it comes to getting a good rate.

At Zawada Insurance Agency, we’ll help you shop around to find the best deals on car, home, and other types of insurance—including bundling, if it helps you to save more.

Please contact Zawada Insurance Agency for details.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

True or False: Insurance Quiz

Can you guess which of these 8 statements are true?

There are myths about insurance—auto, home, health—and they persist in spite of the facts. As we’ve said in other blogs, it’s important to get the facts straight before you purchase insurance of any kind. Here are eight true and false statements to see how well you understand insurance.

  1. Vehicles stored in your home or garage are covered under your Homeowner’s policy.

False. Cars and other vehicles should be covered by Auto Insurance. Garden tractors and other related items are part of what is covered by Homeowner’s Insurance.

  1. Commercial Liability Insurance provides coverage for your employees who are injured on the job.

False. Only Workers Compensation covers on-the-job injuries.

  1. Homeowner’s Insurance is based on the real estate market value of your house.

False. Your coverage is based on what it would cost to rebuild your home. This cost can vary, so an insurance agent can help you calculate these costs.

  1. The Affordable Care Act prohibits health insurance companies from basing rates on pre-existing conditions.

True. Health insurance companies used to raise the rates for people with a pre-existing condition. Not anymore. For those who have medical conditions such as high blood pressure, asthma and other chronic, pre-existing medical issues, this is a big relief. In addition, insurance companies can’t charge different amounts for men and women, either.

  1. It’s not necessary to have Other Structures coverage in your Homeowner’s policy.

False. But this is a trick question. It depends on you, the homeowner. Your Homeowner’s policy, at least 10% of it at least, is devoted to Other Structures. These include any buildings or structures not attached to your house—sheds, barns (not used for business), detached garages, driveways and fencing. You can always add to your Other Structures coverage if you need more. But it is important to keep it as part of your policy in the event of some unfortunate occurrence.

  1. If you get a speeding ticket in another state, it WILL follow you home.

True. Not only will it follow you, but it will also affect your insurance rates.

  1. Homeowner’s policies cover flood, earthquake and other natural disasters.

True. . .and False. They don’t automatically cover these things. Make sure you have it, or add it to your policy. The majority of policies exclude types of water damage.

  1. If your boat is hitched to the back of your vehicle on the highway and you back into someone, your Auto Insurance will cover it.

True. However, it will be limited to the coverage that your Auto Insurance provides, so it may not pay for property damage, injury or loss of life.

Keep checking our blog for more tips and advice about all types of insurance.

For all your home, auto, boat and other insurance needs, please contact Zawada Insurance Agency, Inc. We’re a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

Is Your Car A Target for Thieves?

How to keep your car safe.

Criminals look for easy targets. Don’t make your car one of them.

Comprehensive auto insurance will cover theft, but there are many things you can do to keep your car from being stolen.

Don’t leave valuables out in plain sight.

The purse or wallet on the seat, the cell phone or GPS on the dashboard. . .this sounds like a no-brainer, but sometimes when you’re in a hurry, you may carelessly leave something valuable in full view of thieves. Don’t do it! Hide electronics in the glove compartment or other storage compartments. If you must leave something valuable on the floor, throw a jacket or some other cover over it.

Try to park in safe areas.

A good rule of thumb is to always park in well-lit, public places, especially at night. If at all possible, avoid leaving your car for long periods of time in places with high-crime rates. Since this may not always be possible, consider some more of the following tips, like parking in garages rather than leaving your car out on the street.

Get the club.

If you’re looking for a strong deterrent, a metal bar locking the steering wheel works wonders. Of course it can’t completely erase the possibility of theft, but remember, thieves choose cars that seem easy to break into. The more deterrents they see, the less likely it is they’ll choose your car. They don’t want the extra hassle.

Lock your doors and windows!

It’s so easy to be forgetful, especially if you’re running late. But always take the time to remember to lock your doors. In summer, don’t crack the windows. It’s better to be uncomfortable for a minute than to have your car stolen.

Choose a car with a manual shift.

More Americans don’t know how to drive a stick shift. That’s why automatic cars are more appealing to would-be thieves.

Get an alarm sticker.

It works the same way it would in the window or on the doors of your house. Whether or not your car is really protected by a particular alarm company, many thieves wouldn’t want to take the chance.

Never leave your car running.

This seems obvious, but you’d be amazed at how many people will run into a place while their car is on. It’s actually illegal in many states, too. No matter how quick your errand, don’t do it!

Always know where your keys are.

Don’t leave spare keys in obvious places. If you loaned a spare key to someone who no longer uses it, be sure to get it back.

Last but not least. . .

Install a GPS tracking system.

When a car is stolen, the system will send out a signal to the police, telling them where the car is. This way, they’ll be able to find it faster.

Keep checking our blog for more tips and information about car, home and other types of insurance—and how to keep your car and home safe.

At Zawada Insurance Agency, we’ll help you shop around to find the best deals on every kind of insurance—including bundling, if it helps you to save more.

Please contact Zawada Insurance Agency for details.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

Top 7 Car Insurance Myths

Don’t Fall for These!

Everyone wants to lower their car insurance costs. It’s important to get the facts straight before you contact your auto insurance provider, because there are a number of myths circulating that have no basis in reality. Check out the following most common myths, and let’s separate fact from fiction.

Myth #1:  The older you get, the higher your rates will be.

You may have heard that once you’re over 55, car insurance rates will increase. This isn’t necessarily the case. If you take and pass an accident prevention course, which is available through AARP, you could get a discount of up to 10% . If you’ve recently retired, it’s likely you won’t be driving as much, and this can give you a discount of up to 5%.

Myth #2:  The color of your car will affect your rates.    

This is one of the most persistent, popular myths—red will raise rates, while white will keep them low. This isn’t true! The factors that auto insurance carriers take into consideration include the age of the car, make, model, engine size and the number of drivers on the policy.

Myth #3:  A speeding ticket will doom you.

One speeding ticket will not necessarily raise your rates. They are more likely to go up after two speeding tickets. What insurance companies will look at are your driving history, the amount of time you’ve been insured with that company and the speed you were driving when you got the ticket.

Myth #4:  Your car insurance will cover you if you’re in an accident and it’s a total loss.

Your car insurance will pay the fair market value of your car, less the depreciation. You would be responsible for the difference. To make sure you’re not hit with a cost you can’t afford, it’s a good idea to get GAP insurance, which will cover the difference between the fair market value and the balance left on your car loan.

Myth #5:  If your friend drives your car and has an accident, you won’t be held responsible.

Sorry, but you’re responsible no matter who drives. Insurance companies care only about the name on the policy.

Myth #6:  Convertibles cost more to insure because they’re more dangerous.

Not exactly. Convertibles are more expensive to insure because they’re more popular with car thieves. For that reason, you can expect to pay more than vehicles with regular roofs.

Myth #7: Comprehensive coverage means everything is covered.

This is one of the most misunderstood coverage types. Comprehensive auto insurance pays for events besides collisions. These include fire, theft, vandalism, weather and accidents involving animals. It does NOT cover personal property. For instance, if your laptop is crushed in an accident, you’ll need homeowner’s insurance, not auto insurance.

At Zawada Insurance Agency, we’ll help you shop around to find the best deals on car, home, and other types of insurance—including bundling, if it helps you to save more.

Please contact Zawada Insurance Agency for details.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

5 Ways To Cut Your Car Insurance Costs in Half

Don’t Miss Out on Ways to Save!

If you’re tired of paying high car insurance bills, and you’ve had the same policy for a while, it might be time to consider a policy update.

Some people spend years paying the same amount for car insurance, and they don’t realize that several factors could lower their bill.

  1. Did you change jobs?

If you first got your car insurance policy when you had a long commute, the mileage traveled each day was calculated into your payment. Now, if you work closer to home or even work from home, you could lower the cost significantly, if you’re not traveling as much. You pose less risk if you lessen the amount of time you spend on the road.

If you’ve changed professions, it’s important to know that car insurance companies draw correlations between certain types of jobs and the level of risk. So you may be considered a higher or lower risk, depending on the industry. For example, journalists and delivery drivers are believed to be on the road more often and more likely to get into accidents. Airline pilots, however, tend to drive from their home to the airport only, so their rates tend to be lower.  If you change careers, don’t underestimate the impact on your car insurance. You could be paying less.

  1. How’s your driving?

Usually, if you’re involved in an accident that’s your fault, insurance premiums can skyrocket. This is not always the case, though. It depends on the severity of the accident and your driving history. You should know, though, if an accident that was your fault happened 3-5 years ago, it shouldn’t be a factor in determining what you pay now. It’s important to know what the laws are in your state, so you’ll be well-informed about what is—and isn’t—fair when it comes to rate increases.

  1. Did you purchase a new car?

Your car insurance cost will depend on the type of vehicle you buy. While it’s true that newer cars may result in higher car insurance rates, you can get discounts if your new car has added safety features. Certain vehicle safety equipment that can lower your costs includes things that reduce the chances of getting in an accident. This equipment includes automatic seat belts, anti-lock brakes, driver- and passenger-side airbags, daytime running lights, and other safety features. Anti-lock brakes (ABS) will help keep your car from sliding and skidding, giving you traction in slippery conditions. Daytime running lights increase safety because they make you more visible to drivers.

  1. Did you get married?

Studies show that married people tend to have fewer accidents than single people. If you’ve recently gotten married, especially if you’re a man with a good driving history, you can see your rates drastically reduced. While male teenagers have higher accident rates than female teens, older men tend to have better driving records. So as you age, if you’re a man, you can have your insurance costs reduced. Whether or not these studies apply to you, insurance companies often use statistics in determining what your premium will be.

  1. Consider bundling.

If you bundle your car insurance with your home insurance, you can often get a discounted rate. Some people don’t realize this and pay separate, somewhat higher bills each month!

At Zawada Insurance Agency, we’ll help you shop around to find the best deals on car, home, and other types of insurance—including bundling, if it helps you to save more.

Please contact Zawada Insurance Agency for details.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.