Are Defensive Driving Courses Worth It?

Driver’s education and defensive driving courses offer a number of advantages to young and older drivers. The possibility of obtaining a discount on their insurance premium is one of these advantages. By helping people improve how they drive, these courses can reduce the risk of accidents, resulting in fewer insurance claims and lower premium. To get the most from these courses, drivers should understand the following:

Insurance Discounts – Not for Everyone

Before signing up for a Driver’s Ed or defensive driving course, consumers should check with their insurance carrier to verify they offer a discount for completing this training. Most insurers offer discounts only to older (50+) drivers and young people (under 21) that complete driving course training. Discount amounts vary from one insurance carrier to another. 

To be eligible for a discount, you must verify completion of the course with a passing grade. You can discuss insurance discounts with any one of our agents at All About Insurance Inc., Caldwell, ID, to get a better idea of how to qualify for a reduction in your insurance premium.  

Improved Driving Skills

A good driver’s ed and/or defensive driving course can enhance a young person or senior’s driving skills, helping them become better drivers. Most courses cover such topics as:

  • Defensive driving
  • Accident prevention techniques
  • Driving under adverse weather conditions
  • Safe passing techniques
  • Safe highway driving and
  • Local traffic laws

Through these courses, teen and senior drivers can develop safe driving habits that will protect them and others on the road. They’ll also establish a safe driving record over time which will contribute to reducing their insurance costs.

By taking advantage of all that driving courses have to offer, teens and seniors can get the most from their investment. For more information on how to reduce car insurance costs, contact us at All About Insurance Inc., in Caldwell, ID.   

Winter Readiness Reduces the Risk of Car Accidents

Is your car ready for winter? If you haven’t taken these six steps, it might not be as prepared to safely drive in the cold as those riding with you deserve.

Step 1: Check Your Antifreeze

Your engine’s antifreeze levels can mean the difference between getting to work on time or having to explain a late arrival to your boss. If you’ve gone more than 30,000 miles since your coolant was last changed, add a coolant flush to the list of preparations.

Step 2: Check the Heating Elements

Although an engine puts out a fair amount of warmth, you’ll still want to have heated air and window defrosters on hand when it gets chilly.

Step 3: Check Your Wipers and Wiper Fluid

Winter can attack your car from above with rain, sleet, snow, and hail. A sturdy set of new wipers and a full tank of washing fluid will prevent them from blocking your view with the assault.

Step 4: Prepare a Winter Emergency Kit

Add winter survival equipment to your car’s emergency kit, such as thick blankets, a shovel for snow, and a chain to get grip in the slush.

Step 5: Take Basic Maintenance Steps

An oil change, a tire rotation, and a general vehicle tune-up are always valuable for improving the performance and safety of your vehicle. Since you’ll be doing other automobile care checks, it only makes sense to start with an overview of your vehicle’s health.

Step 6: Don’t Ride without Coverage

The only thing worse than being in an automobile accident is dealing with the aftermath of the incident without any financial support. For covering damage to your automobile, you’ll want a reliable insurance provider like All About Insurance Inc ready to lend a helping hand.

What are the Various Options for Coverage on my Car?

The citizens of Caldwell, ID understand that a certain level of minimum car insurance is required by law in order to possess a driver’s license and operate a motor vehicle; however, is this level of coverage truly appropriate for someone who drives their car regularly? After all, a car is an expensive investment and deserves to be protected. What are the levels of coverage that someone can choose from?

The minimum level of coverage is called liability only. This meets the legal requirements for the area and will provide funding to the other person’s car should their car be damaged in an accident; however, liability only will not provide any funding to repair the damages to the policyholder’s car. This is minimal coverage and could still leave the policyholder with an expensive repair cost.

Many people in Caldwell, ID invest in a level of coverage called collision coverage. This is a solid level of coverage that will pay to fix every vehicle involved in a motor vehicle accident. This means that someone involved in a car accident will have funding to fix both their car and the car of the other person involved. While this is great protection, there is still another level that covers more damages.

This highest level of coverage is called comprehensive coverage. This means that if the car is damaged for any reason, including a natural disaster or an "act of God," the policy will pay to repair the car. People looking for complete protection for their vehicle should select this level of coverage.

Anyone looking for car insurance should contact All About Insurance Inc. All About Insurance Inc has worked hard to place the needs of their customers ahead of their own. Call today for more information!

Tips to Avoid Winter Auto Repars

Nobody wants to take their vehicle into the auto garage. You never really know how much it might end up costing you in the end, but more likely than not it will be at least a few hundred dollars. At All About Insurance Inc, we want to keep your vehicle on the road and you safe, whether you’re driving in Caldwell, ID or anywhere else. By following these general tips, you can avoid costly repairs and even traffic accidents. 

Wash Your Car

Maybe the easiest and most important tip, you need to regularly wash your vehicle, especially in the winter. Over time, the salt used to clear roads of snow and ice will corrode and eat away at the underside of your vehicle, developing rust. This can lead to costly repairs and unnecessary accidents. By washing your vehicle on a regular basis (at least once every other week during the height of winter), you’ll remove the salt. Just make sure to have the undercarriage washed out during the wash. 

Don’t Forget the Filters

Having the oil changed is important. It is the lifeblood of your vehicle. However, when you change out the oil you should also change out all the filters as well. The oil filter prevents dirt and other particles from sticking inside the engine. You should also consider having your air filter replaced as well at this time. Your air filter is easy enough to replace you can do this yourself, but however you do it, the filters keep your vehicle running smoothly. 

Check the Fluids

It is more than just oil. Make sure to check the coolant levels in your vehicle as well. In the winter, parts of your vehicle will contract, which can cause small leaks. This in turn may reduce the amount of coolant you have in your vehicle. Check these levels to keep your vehicle running. 

These are just some of the basic auto tips we have for you at All About Insurance Inc to help keep your Caldwell, ID vehicle running smoothly. 

The Insurance Benefits of Buying a Used Car in Caldwell, ID

Many people know that it is much cheaper to buy a used car than a new car. Many individuals actually use this fact to get a nice car of the brand they like that they do not have to pay nearly as much for. However, these people are often not aware that buying a used car does not necessarily mean lower insurance rates.

The more likely it is that your car is going to be stolen, the higher your insurance rates will be. This actually means that you might be paying more in auto insurance coverage for an older vehicle that has a high rate of theft. Although the thieves may find newer vehicles to be more desirable, they are actually targeted for theft much less frequently, due to all of the GPS tracking systems and anti-theft devices that are in the new cars. Additionally, people who steal cars tend to target older vehicles because they are easily dissembled, and the parts can be sold for profit. You can still make a good decision in buying a used car, but you should do all of the appropriate research to make sure that you are getting a good deal in terms of auto insurance coverage. You should also, as much as possible, make sure that you are getting a good deal on the car and that it is not damage to the point where you might actually be cheated when you buy it.

If you live in Caldwell, ID, and you are interested in buying a used car, you should go to All About Insurance Inc. to see what your insurance options are and have any questions answered regarding insurance. All About Insurance Inc. has many seasoned professionals who will be able to help you and give you all the information you need when you are looking for a used car and the applicable insurance in Caldwell, ID.

3 Ways to Reduce the Rates on Your Auto Insurance

Auto insurance is something you have to have, but it doesn’t mean you have to spend a fortune on it. Along with doing a little research and comparing quotes from a few different companies, there are several ways you can save money your insurance policy. Here are only three of the possible ways to reduce the rates on your auto insurance.

Bundle Policies

Not only should you research discounts for multi-vehicle policies, but you should consider bundling all of your insurance policies. Most insurance carriers offer both auto and home insurance, and will discount the premium if you insure both your home and auto with them. If you don’t own your home, but have renters insurance and/or life insurance, talk with your insurance carrier about bundling these policies with your auto insurance.

Good Driving Record

Providing coverage for high-risk drivers can be risky, primarily because insurance carriers think these drivers have a tendency to be involved in accidents. Based on this theory, high-risk drivers tend to pay more, without discounts. If you are considered a good driver, meaning you do not have a history of accidents, driving while intoxicated or have not been cited for a serious traffic violation, such as reckless driving or speeding, you may qualify for a good driver discount.

Low Mileage Discount

One of the most common types of discounts, yet not many people known to ask about is a low mileage discount. If you can prove to your insurance carrier that you drive less than the average driver, you may qualify for a discount. For example, if you only drive a couple of miles between work and home, you share a ride with co-workers or you have a vehicle that is only used during the summer.

You might be missing out on several discounts you didn’t even know about, but the only way to find out is to ask. The easiest way to find out if there are any discounts you qualify for that can reduce your auto insurance rates is to ask your carrier. You may be paying too much for auto insurance without even knowing it.

Residents of Caldwell, ID interested in learning more about auto insurance discounts or if you need a new policy, contact All About Insurance Inc.

Car Cleaning Hacks

Everybody likes a clean car but not everyone likes actually cleaning their car. Once it gets to a certain point of dirty, it can seem like it will take forever to get it clean and most people do not want to take the time to do that. In fact, even when it is cleaned, many people only stick to the basic cleaning areas like the outside and maybe the inner carpet. To really get your car clean, though, you should take advantage of some of these easy hacks. You will be amazed at the difference in the end.

  • Wipe down your dashboard for a quick clean. Your dashboard can get dusty pretty fast. Easily clean it up with a quick wipe down with a damp washcloth. If you have some stubborn dirt, add some mild dish soap. Once you are done, wipe it again with a dry dish cloth to make sure no moisture is left behind. 
  • Remove stubborn bugs from the front of your car. Even with a quick washing, bugs still remain on your car. Instead of spending your money on harsh chemicals that can ruin your paint finish, use a washing mit and a good amount of water and car soap to wipe in circles around the bug areas. With a little elbow grease, the bugs will be gone in no time.
  • Clean your headlights. When your headlights get cloudy and yellow, you can easily clean them with some toothpaste and a wash cloth. Wipe the toothpaste on the headlight and watch as it gets clean in no time. Rinse it with water and you are done! You will be able to see better at night and your car will look better. 

Contact us at All About Insurance Inc to make sure you have a great auto policy to protect you and your clean car. 

Spring Cleaning: Don’t Just Wash Your Car, Deep Clean It

Beautiful weather means it’s time for spring cleaning. While you may deep clean your house during spring cleaning, many times your car doesn’t get the same treatment. If your car is showing it’s age, here’s how to get it truly clean and as close to brand new as possible.

Cleaning the Dash and Vents

You’ve probably got a layer of dust on your dash and your vents. If you just try to wipe it away, it will settle somewhere in your car. You need a vacuum with a hose attachment and a paintbrush. You remove the dust with the brush and vacuum it up as you go. This will let you get into all those small spaces on your dash, and actually remove the debris.

Leather and Vinyl Interior 

A magic eraser will remove most of the icky stuff on your hard surfaces. If it doesn’t do the trick, pick up some Tuff Stuff and an old toothbrush. Spray on the Tuff Stuff and scrub the icky mess away quickly and easily. After everything is nice and clean, you can use Olive Oil in place of Armor All to shine your dash and other hard surfaces.

Upholstery

After you vacuum your interior, you’ll want to use the Tuff Stuff and toothbrush to get out any stains. You can also use a light coat of Tuff Stuff over all the interior to brighten it up and make it look newer. As for your floor mats, spray them with Tuff Stuff or a stain remover and throw them into the washing machine to get them looking like new.

The tips will keep your car interior looking great, but are you taking care of your car by carrying the right insurance? All About Insurance Inc. can help you select the right coverage for you. Even if you already have insurance, All About Insurance Inc. will give you a free online quote in minutes so you can compare policies. 

Tools Every Driver Needs When Driving in Caldwell

One of the best ways to protect any valuable asset is by purchasing insurance for it. When it comes to your automobiles, insurance should be viewed as a necessity for both protection and compliance with the law. In addition to insurance, all drivers should keep these tools in the car when traveling because you never know when they may prove to be of the utmost value. 

Jack and Jack Stand

In order to work underneath your vehicle, it needs to be lifted up in a safe manner, and this also applies when changing a tire. If you don’t have a jack and jack stand, you may find yourself stranded on the side of the road unable to fix a minor repair because you can’t lift the vehicle. 

Proper Lug Wrench

You can’t change a flat tire if you can’t get the lug nuts off the wheel. Depending on your car, you may have to use a special lug nut that fits only the wheels on your car. You’ll want to make sure you have the proper lug wrench to fit your lug nuts before taking off on any trip. 

Flashlight

Keeping a flashlight in the car is also paramount to being able to work on your vehicle during the night when it’s dark. Most smartphones have a flashlight feature, which is great because most people keep their cell phones on them when traveling. A flashlight will also be helpful if you need to walk down the road because your vehicle has stalled. 

To learn more about the right tools to keep in your vehicle, contact All About Insurance Inc today. 

Important Questions to Ask Before Loaning or Borrowing a Car

If you’re thinking about letting someone borrow your ride or if you’re wanting to borrow someone’s vehicle, here are a few questions to ask:

When You’re Allowing Someone to Borrow Your Car

  • Do you have a valid driver’s license? As long as the driver has a valid driver’s license from the state in which you live or another state, then you probably don’t need to worry too much. However, if they are from out of the country, an International Driving Permit may be a good idea. Idaho is one state that does not require the permit, though.
  • How is your driving record? You probably want to think twice about loaning your car to someone who doesn’t have a stellar driving history. After all, you want to keep your car in one piece, right?
  • What do you want to use my car for? If they plan to use your vehicle for business-related purposes, then you will want to check with your auto insurance company. There may not be sufficient coverage in the event of an accident,

When You’re Borrowing Someone Else’s Car

  • Do I have permission? Before taking someone’s vehicle, make sure to be polite and ask for permission. While permission may be assumed, it is still better if you ask.
  • What are the local road laws? If you plan on driving in a state where you don’t normally, it is crucial that you take the time to become familiar with the rules of the road. For instance, turning right on a red light may be permitted in your state, but it may not be permitted where you are currently.
  • Where is the insurance and registration information kept? In the event that you get pulled over or get into an accident, you’ll want to know where this information is.

One of the most important things to do when loaning out your ride or borrowing a vehicle is to ensure that your auto insurance is up-to-date and has the proper limits. For a review of your policy or to request a new auto insurance quote, contact us at All About Insurance Inc. The last thing you want is to get caught without the right insurance coverage.