How Does Auto Insurance Provide Peace of Mind?

If you’ve been wondering whether or not to buy auto insurance, you should know there are plenty of reasons to make this wise investment. And when approached the right way, you will come to see that auto insurance can serve as one of your most valuable assets. Here at THINK Insurance & Financial Services serving the Pomona, CA area, we have put together a list of ways purchasing auto insurance can provide great peace of mind. Let’s take a quick look at these reasons. 

You can Replace a Damaged Car

Depending on the type of coverage you purchase, you may be able to entirely replace a damaged car thanks to your auto insurance policy. To understand exactly how your policy works and the benefits that it can bring, it is important to speak with a qualified agent that works for your insurance carrier. 

You can Be in Compliance With the Law

In the state of California, it is mandated by law that you have auto insurance if you are the owner of a car. Purchasing a policy can provide great peace of mind because it allows you to rest easy knowing you are driving around by being in compliance with state law. 

You can Protect Your Assets

If you don’t have auto insurance and you are at fault in an accident, you will be held responsible for paying for any damages and injuries. If you don’t have the monetary means to pay for the damages and injuries, it is very possible you could be sued, meaning you could have to sell some of your assets. With insurance, you are protecting your assets. 

Contact THINK Insurance & Financial Services serving Pomona, CA for more information about the importance of buying an auto insurance policy. 

Taking a Road Trip? Here’s How to Stay Safe

There’s no question that hitting the open road can be an exciting time. However, long periods of time on the road can also lead to fatigue. If you want to make sure you remain alert and that you (and everyone else) on the road isn’t in danger, make sure to use the tips here.

Before you embark on your road trip, make sure you have all the essentials in place including car insurance from THINK Insurance & Financial Services and any other paperwork you may need.

Take Frequent Breaks

Regardless of if you are driving to Pomona, CA, or somewhere else, you should take frequent breaks. Take time to get out of the car, stretch your legs and move around. Just moving around can help you reenergize and get you ready for another bout behind the wheel.

Eat Food for Energy

You have heard the saying, “food is fuel,” well, it’s true. If you want to keep going, and going, and going and be able to remain alert, then you have to eat. Make sure you aren’t eating overly-sugary foods, such as soda and donuts, as this is only going to cause you to crash soon after eating.

Take Turns at the Wheel

If you are traveling alone, you may not have this option; however, if you are traveling with other people then you can take turns driving. This is a great way to make sure that no one gets too tired.

If you are planning a road trip in Pomona, CA, make sure to use the tips here to keep you and everyone else safe. You can speak with the staff at the THINK Insurance & Financial Services to learn about more tips that will help you stay safe.

Buying A Car That Won’t Increase Your Insurance

Are you looking to buy a new car in Pomona, CA and want to avoid paying too much for your insurance? That is understandable, and we at THINK Insurance & Financial Services can help. Here are tips for buying a car that won’t increase your car insurance rates.

Vehicle Value Is Crucial

The value of your vehicle will affect the insurance rate in a simple fashion: cars that are worth more require higher insurance rates. However, cars with very low values may also cost more to insure due to their more breakdown-prone nature. Try to strike a middle ground here.

Consider Vehicle Size

Do you want a huge beast of a vehicle to haul goods or work supplies? Then be prepared to pay a little more for your insurance. Large vehicles cost more to insure because they usually have lower safety ratings than smaller cars. Make sure to investigate which vehicle of this type has the best safety rating to avoid paying too much.

Buy As New As You Can

Older cars will cost more to insure because they are more prone to breakdowns than newer cars. So try to find a car that is as new as possible and which fits into your personal budget. It may cost a little more initially, but it will save you a bundle on your insurance premiums.

Limit The Car’s Power

One odd thing about high-performance vehicles is that they often cost more to insure than cars with lower powered engines. Why is that? High-powered engines are more expensive to repair and may be prone to the kinds of breakdowns that are difficult to perform. So don’t buy a car with high horsepower unless you need it.

These tips will help anyone in Pomona, CA avoid paying too much for insurance when buying a car. If you need any more help here, please don’t hesitate to contact us at THINK Insurance & Financial Services today.

Can You Have Multipel Cars on One Policy?

Auto insurance can be very difficult to understand if you do not know the basics. Having some basic information on your side can help make any insurance process easier. For those in the Pomona, CA area, the agents with THINK Insurance & Financial Services can help you find the right policy for you.

One question that is often asked is if you can have more than one car on a single policy. The answer is a bit complicated. You can have more than one car on a policy, but this means having coverage that is unique to each car and each driver. So though they may be on the same policy being paid by the same person, in many ways, they have their own policy that is unique to the car that is being insured.

In many ways this can be hard to understand, but in all reality, it simply means that they are on the same policy but that each car has coverage that is specific and unique to the car and to the driver. You can have as many cars as you want on a policy but they have to belong to people that live in your home and are related to you, someone that is your dependent, or you have to have your name on the title of the car.

These are all factors that enable you to add someone to your auto insurance policy. If you live in the Pomona, CA area, it might be beneficial to talk with the agents at THINK Insurance & Financial Services to learn more about multi-car policies, how you go about getting them, and any discounts that may be associated with having more than one car on a single named policy.

New California road laws for 2017

If you drive in Pomona, CA, there are some new traffic laws that you’re going to want to be aware of. Fortunately, none of them have a major impact on insurance law, so you don’t need to call your people at THINK Insurance & Financial Services to get a new policy just yet. Here’s what you need to know:

The GPS Defense

For a time, it was possible to contest a ticket for using your phone while driving by claiming that you were actually using your GPS. The new law is going into effect on the argument that you don’t actually need to hold the phone to use GPS. The safest way to do GPS now is hands-free, mounting it on the dashboard and checking directions at stoplights or listening to audio directions. And you’re only allowed to use one finger at a time when using your phone for GPS.

Your Phone Cannot Obstruct Your Windshield

Speaking of phone mounts, make sure that yours does not obstruct your windshield.

Bikers Splitting Lanes

You often see bikers going in-between lanes in order to get ahead of slow traffic. The legality of this has always been questionable with few states having clear laws on the matter, leaving it up to the discretion of the officer and the judge, really. California is the first state to officially declare this legal, but with certain provisions for what counts as safe lane-splitting. For instance, a biker is not allowed to go 50-60 mph when traffic is at a standstill.

Child Seats

Any child under two absolutely must ride in a rear-facing child seat, unless they’re more than forty inches tall, and weigh over forty pounds.

Driving in Pomona, CA presents some dangers, but stay up on the laws and THINK Insurance & Financial Services will take care of the rest.

 

How You Can Make Auto Insurance Work for You

In Pomona, CA, you’re faced with some driving situations everyday. From congestion to clear roads, there are so many ways you can get from one place to another. But auto insurance is not likely what you’re thinking about when you’re out, and it’s one of the main reasons why people fail to get the right coverage for themselves. THINK Insurance & Financial Services wants you to know how it works in the real world, so you can make better decisions about the amount of coverage you get. 

When Is Liability Right?

Liability is the cheapest option you can get, and it tempts many people who are on a budget to take the deal. The problem with this is it just takes one accident to financially cripple people. Liability doesn’t cover any of your repair costs, and that could mean that you no longer have a car to get around. Deductibles can also be incredibly high when you have this option. Liability is only recommended if you have a car that is extremely inexpensive where you know that you can get another car rather quickly if it does happen to become totaled. The public transportation in Pomona, CA leaves something to be desired, so you may not want to rely on that if something does happen. 

Having the Right Partner

THINK Insurance & Financial Services wants you to get the most out of your auto insurance, and that means thinking through every scenario. From a thief taking your things to being involved in a hit and run, there are ways that insurance can keep you from having to experience a devastating event. Talk to us if you’re looking for a quote, or if have questions about the type of car you have. Your rates are determined by a variety of different factors, and your price may be more reasonable than you think. Find out more when you call us today. 

Moving to Pomona, CA? You need great auto insurance options

Pomona, CA is a beautiful place to live, work, and play. There’s so much to enjoy, and plenty of things to see and do in the city and the nearby area. When you have a car to drive around in, you’ll want to get out and explore. But you also want to make sure you’re being careful with your finances. That way you can protect your car and still have plenty left over for all the fun you want to have. With the right insurance policy from THINK Insurance & Financial Services, you can explore different options for protecting your car, truck, or SUV at a fair cost.

Because there’s so much going on in Pomona, CA, you want to be able to rely on your vehicle. If you do happen to be involved in an accident, though, you want to be able to rely on your insurance agent, company, and policy to be there for you. That’s why you want to work with an agent who can give you quotes from multiple companies. You’ll be able to get help if you need it, get your questions answered, and make sure you have the right coverage as your needs change throughout life. Periodically checking with your agent and updating your policy is a good idea, as well.

You can spend plenty of fun times in the sun when you choose THINK Insurance & Financial Services. A knowledgeable agent will help you get what you need and will answer all your questions. That way you can get the policy that’s right for you and move on, so you can get back to your life. Don’t let a bad insurance policy hold you back, when you could have great coverage at an affordable price.

What Kind of Auto Policy Is Perfect for You?

Not all auto policies are the same and that means they are not always ideal for every person. There should be specific things that you look for when shopping around for auto policies but there are many people who don’t. To help you find the right auto policy for your needs and wants, there are a few extra steps you need to take before signing up for a policy. continue reading for some basic tips to get you started and find the perfect auto policy for you. 

  • Take a look at some recent company reviews. Not all companies are created equally and just like there are some awesome auto insurance providers out there, there are also some terrible ones that you do not want to get stuck with. To know what you are getting into beforehand, take some time to read some company reviews. It can tell you a lot about how they deal with claims and their customers. 
  • Do not just sign up for the lowest cost plan that you find. There are usually a lot of gaps in these plans or you can end up signing up with a terrible company. These prices are usually too good to be true.
  • Take a look at the policy before you sign up to make sure there are no gaps in coverage and that you are getting exactly what you were wanting out of your plan. Even if you discuss the specifics with the agent during sign up, make sure you sign off on the final policy so you can be sure it is accurate.

If you want to take a look at your current auto policy for any gaps or if you want to get a quote for a new auto policy, feel free to contact us at THINK Insurance & Financial Services today. 

Cutting Down on Clutter: Cleaner Cars Make Safer Drivers

You know taking care of the interior in your car is important because you don’t want to break down on the side of the road or have your car fail to start on important days. What you may neglect is picking up the trash out of your car or wiping down the windows. Surely that’s not important enough as changing your oil? Dirty cars can mean emergencies just as damaging as engine failure. Here are a few tips to keep Pomona drivers safer through cleaning. 

The Beauty of the Open Road 

Long road trips call for fun songs, rolled-down windows and lots of stops to see the sights. They also call for meals on the go. Keep your meal in a shower caddy, so you won’t have to try to grab your burger out of the bag. To avoid that same burger wrapper flying into your face by an unexpected breeze (or worse, flying into another car’s window), keep a trash bag in plain sight of you. Remember to keep drinks in cup holders until you throw them away.

More Tips 

For a cheaper alternative to an air freshener, you can keep a box of dryer sheets at the ready to keep your call smelling great. That won’t save your life, but it will make your drive more pleasant. You should also be sure to clean your windows frequently — even when you think you can see just fine out of them. You may not have the visibility you think you do, especially if the weather changes.  

Going the Extra Mile 

Pomona, CA has THINK Insurance & Financial Services for when you need help on the road. If you need a new policy, or are buying a new car, we can get you the coverage you need. Call for a quote today and see what we can do for you. 

 

4 Driving Habits All Safe Drivers Possess

Safe driving habits can go a long way in preventing accidents, especially in areas with a lot of traffic. If everyone drove defensively accident rates would plummet, however in the real world this is not the case. While you will never be able to prevent every accident, there are a few things you can do to make yourself a safer driver, such as:

1. Do Not Drive Distracted

This means using a hands-free device in order to call people while you drive, and never texting while you’re on the road. Cell phones cause people to think more about who is on the other side of the line as opposed to what is happening on the road.

2. Always Keep Your Eyes on the Road

In the same vein as not texting and driving, keeping your eyes on the road is essential to being a safe driver. Looking away even for a second may cause you to not see a vehicle stopped ahead, resulting in an accident. Rear-end collisions are almost always the fault of the rear-ending vehicle, which, according to the professionals at THINK Insurance & Financial Services, can result in your insurance premiums going up.

3. Be Aware of Your Surroundings

Someone trying to speed through a red light and hitting you may be entirely their fault, but you can avoid an accident completely by just seeing what is going on. By just knowing what is going on in the area around the road, you can avoid many accidents.

4. Watch Out for Bad Road Conditions

Always drive a little slower when it is raining, or if there is fog since you may have a hard time seeing anything go out into the road, or the vehicle ahead of you stopping.