Learn How to Switch Your Auto Insurance Policy

How to Switch Your Auto Insurance PolicyFind out what you need to do when it comes to switching your auto insurance policy.

Driving is dangerous. You need the right auto insurance to keep you safe on the road. However, sometimes, you want to change your auto insurance policy. Switching your auto insurance policy can help to give you the coverage that you need. But, it’s important to go about the process properly. Check out what you need to know about how to switch your auto insurance policy so that you can drive safely.

Compare & Contrast.

Before you make the switch, you need to know what’s out there. You need to do thorough research to make sure that you’re getting the policy that you want. Choose at least three policies with comparable coverage to compare. Look at their similarities and their differences. Choose the policy that best fits your needs and your lifestyle so that you have the appropriate coverage.

Do Your Homework.

Every insurance provider has different methods to assist you in changing your auto insurance policy. Whether you just want to change the type of policy you have or you want to switch to a different provider altogether, don’t forget to talk to your current provider first. They may have a particular policy that requires you to submit paperwork or pay a cancellation fee.  Ensure that you understand the entire process before you decide to make the change. Once you’ve chosen your new policy and are ready to switch, follow up with your provider to ensure that your coverage transferred seamlessly.

Know what you need to do when it comes to switching your auto insurance. Ensure that you get the coverage that you need. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs. Contact us for more information.

Find Out How to Deal With a Popped Tire While Out on the Road

How to Deal With a Popped Tire While Out on the RoadLearn how to deal with a popped tire while you’re out and about.

Driving is a dangerous business. You’re at constant risk of an accident. Should your tire pop while you’re on the road, it’s important to know exactly what to do. Read up on this guide to roadside preparedness so that you’re best able to handle a popped tire. Check out what you need to know.

Maintain Composure.

It’s easy to panic when your tire pops on the road. There’s a sudden loud noise followed by a sudden jerk of your vehicle in the direction of the busted tire. However, in order to take action and safely get off the road, you need to remain calm. Do your best to relax so that you can get to safety.

Hesitate Before You Brake.  

When you have a popped tire, braking will only make the situation worse. It can cause the car to spin out or roll, making your situation even more dangerous than it already is. Rather than braking, keep your foot on the gas pedal until your car has stabilized. Then you can gradually ease up off the gas until your car slows down.

Pull Over & Call for Help.  

When you regain control of the car, do your best to pull over as soon as possible. Turn on your hazard lights, and ensure that you’re visible and wary of oncoming traffic. Change your tire yourself, but ensure that you have another person around to spot you. If you’re by yourself, call for roadside assistance.

Get the right auto insurance coverage so that you can keep your car safe on the road. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs. Contact us for more information.

Check Out How Your Auto Insurance Quote Is Determined

How Your Auto Insurance Quote Is Determined

Learn all about your auto insurance quote!

Auto insurance helps to ensure that you’re covered in the event of an accident. However, with so many types of policies and variations in coverage, it can be difficult to pick a policy. Be sure to shop around before you commit to a policy. Compare at least three policies. Look at their coverage specifics as well as the price. To check the price, be sure to request a quote. But, what factors determine your auto insurance quote? Check out this guide to interpreting your insurance quote.

  • Personal Information. Elements of your personal identity like your neighborhood or your gender can affect your auto insurance quote. The safety of your neighborhood can determine how much of a risk the environment poses to your car. If there’s a greater risk to your car, then you can expect to see higher rates. Additionally, men tend to engage in riskier behaviors which increase the likelihood of an accident. Thus, men are quoted higher rates than women.
  • Time Spent On The Road. Mileage plays a role in your auto insurance rates. If you spend more time on the road, you have a greater likelihood of eventually getting into an accident. Depending on your mileage, you may have greater insurance rates.
  • Driving Record. From speeding tickets to previous accidents, your past driving experiences play a big role in your auto insurance rates. If you’re a relatively safe driver, expect to see lower rates. However, if your record is a little less than perfect you may see an increase in your rates.

Be sure that you find the right auto insurance policy for your needs. Panzera Insurance Agency, Inc. can help you find the right policy! We serve all your insurance needs, so contact us for more information.

Getting Ready For El Nino

Rainy day in car

Use these tips to help you stay safe on the road in dangerous weather.

With the current California drought situation, you may think that you don’t have to worry about driving in any inclement weather. However, a monster El Nino is expected to hit the state in the coming months, which can lead to very dangerous situations on the road. Keep these safe El Nino driving tips in mind help you stay safe on the roads.

When driving in heavy winds:

  • Anticipate big gusts – when driving through areas that are prone to strong winds, use extra caution.
  • Keep on eye on large vehicles – big trucks and buses can easily get blown around on the road during heavy winds. Make sure to watch out for any dangerous situations when driving around any big vehicles.
  • Keep your hands on the wheel – both of your hands should always be on your steering wheel at all times to help you stay in control of your vehicle.

When driving in heavy rain:

  • Slow down – the slower you go, the more time you will have to react to any dangerous situations up ahead. Driving slowly will also help to keep your vehicle from hydroplaning when you hit a large puddle of water.
  • Turn on your lights – even during the daytime, make sure your headlights are turned on. Your lights will help you see the road ahead much easier while also making you more visible to other drivers.
  • Add some space – add at least 2 seconds of following time to the car ahead of you. Leaving extra space will give you plenty of time to react to any changes in the traffic conditions ahead.

Before El Nino hits, take the time to look over your auto insurance policy to ensure that you have the right amount of coverage. Contact Panzera Insurance Agency for all of your car insurance needs.

How New Sensor Technologies Are Working To Keep You Safe On The Road

Protection of car. Business concept.

Sensor Technology

Automakers are working to make their new vehicles safer than ever, which is also helping to increase public safety. New sensors that are being added to vehicles are helping to prevent accidents between two vehicles as well as accidents between vehicles and pedestrians.

What was originally saved for luxury vehicles, these new sensor technologies are becoming more and more affordable. From lane keeping assist that will work to keep your vehicle in the right lane to park assist that will practically park a vehicle for you, these sensor technologies are making the roads much safer.

The new sensor technologies are also changing the way that the government mandates vehicle safety. As the sensors become more advanced and studies are able to show just how valuable they are to keep people safe, the government may start to mandate that all new vehicles include certain safety systems.

Some of the newest technologies that you should look out for when investing in a new vehicle include brake assist and pre-crash sensing. Sensors located throughout your vehicle can help figure out if you are going to get into a crash. You may then get a warning sound, or your seatbelt will tighten to help to keep you safe. The sensor system can also help to prime your brakes to help reduce your speed before the accident occurs to help reduce the amount of damage that is done.

Along with looking for vehicles that include the newest sensor technology to keep you safe on California roads, investing in the right auto insurance policy can give you the protection that you deserve. Contact Panzera Insurance Agency Inc. for all of your car insurance coverage needs. We will work with you to make sure that you have the right amount of coverage, all at the right price.

What Is The Real Cost Of a New Car?

Woman Driver Holding Car Keys siting in Her New Car.

New Car Fees

Buying a new car is much more than simply choosing your favorite model and signing on the dotted line. After finding the vehicle that you want, you will then spend hours negotiating with the dealer to get the right price. Knowing what fees you will be paying for when buying a new car, and which fees are negotiable can help you get the best deal for your next vehicle.

  • Warranties – since you will want to protect your new car, you may automatically say yes to the dealer warranty. However, in most cases, you will end up paying more for the warranty if you go through the dealership than if you worked with a bank or credit union. Find out what warranties are offered by the manufacturer before you pay more for a dealer warranty.
  • Delivery – the fee that the dealership pays to get the car shipped to their California lot is typically passed onto the buyer. Luckily, you may be able to talk your way out of paying the fee. Even if you cannot completely take it off the contract, make sure you are not paying double. Look for both a “destination” and “delivery” charge, which are essentially the same thing.
  • Advertising and dealer preparation – you should never have to pay for the dealership’s advertising or their daily maintenance tasks. If the dealer is not willing to negotiate on these points, you may want to consider finding another dealership to work with to ensure that you are getting the customer service you deserve.

The most important step in buying a new car is making sure that it is protected with the right auto insurance policy. Contact Panzera Insurance Agency for all of your car insurance coverage needs to ensure that you are covered from any peril on and off the road.

Will Your Insurance Cover Your Stolen Car?

car thiefStolen Vehicle Coverage

Walking out to find that your car is missing can be devastating. Along with having to file a police report for your stolen car, you will also have to alert your car insurance company. However, do you know if your auto insurance company will provide a payout?

If your car is stolen, your auto insurance company will only provide a payout if you have comprehensive coverage. Comprehensive coverage is meant to provide protection for any damage that is done to your vehicle in an incident other than a collision, such as theft or a fire. When you call to make a claim for your stolen vehicle, your insurance company will have a waiting period before they will provide a payout. If your car is not found during the waiting period, you will be reimbursed for the current market value of your vehicle. If your car is found damaged, you will be paid for the repair costs.

If your car stays put, but a thief stole items out of your car, your auto insurance policy will not provide any protection. Your homeowners or renter’s insurance policy will provide coverage for any of your belongings that are stolen, no matter if your car was parked on the street or in your driveway. If the items that were stolen are valuable, make sure to file a police report before you file a claim. However, if your deductible is more than the value of the items, you will be better off just replacing the items on your own.

Contact the independent insurance experts at Panzera Insurance Agency for all of your auto insurance coverage needs. We will work with you to make sure that you have the protection that you need in case of any unfortunate situation on the road.