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Why Type of Car Matters for the Cost of Insurance

By Insurance

Make and model are among the most important factors insurance companies consider when offering quotes, but other features of that car you’re desiring matter too. Consider the following in mind when selecting a new car to buy:
What your car says about your driving habits. Parents of young children often go for reliable minivans and smaller SUVs, and their safe driving habits mean savings for all. Sports car fans, on the other hand, are usually in it for the speed and performance, and rates on those types of cars show it.

The latest model will cost more to insure. Buying last year’s model may lose you a style point or two, but it can help you save on car insurance.

Check the safety records. The National Highway Traffic Safety Administration offers invaluable info on model safety and the National Insurance Crime Bureau releases yearly reports on the most-stolen cars. Rates for cars with poor safety histories and frequent thefts will be higher.

Consider adding safety features. Things like antilock brakes and LoJack security systems can help you lock in significant discounts.

Consider a hybrid. While hybrids feature parts and systems that can be expensive to repair or replace, their drivers tend to be safety-conscious, leading to lower rates.

Need a quote on that new car?EMERGE INSURANCE904-677-5884

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You probably NEED An Umbrella Policy

By Insurance

Why would I need one? To figure out if you need an umbrella policy, assess how likely it is that you could be held financially responsible for accidental injury to another person or their property. You may want to consider an umbrella policy if:You own a home with a pool, have ATVs or boats, ora a large dog, as these factors increase the risk of causing accidental injuries to others.
Your family includes inexperienced drivers who have a higher crash rate.
You entertain often. In many states you could be held legally responsible for the actions of anyone who drinks alcohol in your home and then has an accident in your house or after leaving it.
You participate in activities such as snowmobiling, jet skiing, or motorcycle riding.
You own property or have investments and savings that are worth more than the liability limits in your homeowners and auto policies.
Cost – To you the cost could be insurmountable and crushing!Price – The average for a policy is between $250 – $350 a year.Call – 904-677-5884EMERGE INSURANCE AGENCY

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