All posts by Maryl Joop

Finance

The Importance Of Flood Insurance

Auto insurance in Provo, Utah can be a tricky thing to shop for. Utah has a lot of laws regarding insurance-especially car insurance, and all of the different policies can be hard to figure out sometimes.

Even if it takes a little bit of work to secure this insurance option, purchasing flood insurance is very much worth it and can add to the coverage of your existing homeowners insurance in Provo, Utah. Flooding can happen in nearly any location in Provo at any time, as the city has seen this fall.

This seems like an obvious part of the equation, but sometimes it can be overlooked, especially for younger drivers. All too often, an eighteen or nineteen year old will be find just the car-the one they’ve always dreamed of. The payments are high, but they can make it.

And although you may not want to, taking a motorcycle training class to refresh your knowledge of your motorcycle could be very beneficial. Once you’re all prepped up to start riding your motorcycle again, there are some tips you should keep in mind for daily riding. One of the most important things you can do as a motorcycle rider is to make sure you have all the right gear. Investing in quality gear is also important; there is no point in buying the gear if it is not going to protect you adequately.

One of the most important pieces of gear that you can purchase is a helmet. Having a high quality helmet is essential. If the helmet you decide on does not come with a shield, you should definitely try to buy goggles or other protective eyewear. Protecting your head and eyes is extremely important.

Wearing a leather jacket while you ride is also not a bad idea. Leather jackets may be expensive, but they will protect you in case you get into an accident.

A general rule of thumb is that the bigger the engine in a car is, the more it will cost to insure. So even though that hot new sports car looks appealing, it’s worth remembering that it’ll cost you more each month in more than just your P&I payments. In order to control your insurance costs when buying a car, keep this in mind.

Likewise, the landscaping in your yard can cause flooding if there are points in the yard that angle in certain and incorrect ways. If this is the case, then the landscaping of the home can divert water to your house.

While all these things will change your monthly cost or your benefits, none will be able to help you control your costs like safe driving will. Tickets and accidents will drive your auto insurance in Provo, Utah through the proverbial roof. So be careful. Buckle up, and make sure that you’re safe out there so you can keep your wallet happy.

Here at Insure Utah, we understand the insurance needs of Utah citizens. Covering Utah for more than 60 years, our agents are ready and willing to assist you. We provide many kinds of insurance policies, including homeowners insurance in Provo Utah and motorcycle insurance in Provo Utah. Visit our website and get a quote, or give us a call today!

Finance

7 Simple Tips That Can Save You Big On Motorcycle Insurance

Insurance policies are available for anything and everything. You should invest in a homeowners insurance in Provo Utah over all of them. Your investment in a home is significant. Naturally, you will have to protect it as well as you can. There are many reasons why you should invest in this kind of policy. Some of them are listed below.

Requirements from Your Lending Institution: Certain lending institutions require that you invest in a home insurance policy as a condition for them giving you a mortgage. You will encounter this obstacle when you look into refinancing your home or taking out a second mortgage. The bank wants to protect its investment in you since the home is usually collateral on your home loan.

Ask about an infrequent driving discount: If you only take your motorcycle out for the occasional spin during good weather, then you might not need full coverage: many insurance companies offer discounts to infrequent drivers. Also, if you don’t ride in the winter you may not need insurance year-round. (But if you’re still paying off you motorcycle, then the bank will probably require you to have full, year-round insurance.)

The more money that you are willing to pay, should your car incur damage, the less money you will have to pay for your monthly premium. It is important to assess your risk and assess the cost of repair for your car before you decide to raise or lower your deductible.

Protecting Your Equity: One of the most surprising benefits of homeowners insurance in Provo Utah is the fact that these policies can protect the equity in your home. Your policy will protect all that you have put into your home during the time that you owned it. It doesn’t matter whether you lose the home. Your equity will be there.

One club you might consider joining is the American Motorcyclist Association, which offers many other perks as well. Ask for a higher deductible: A guaranteed way to secure a lower monthly payment is to ask for a higher deductible. You’ll pay less month-to-month, but when you make a claim you’ll need to pay more before your insurance kicks in.

Getting another Place to Live: While your home is being rebuilt, homeowners insurance in Provo Utah will kick in to provide you with another place to live. You shouldn’t be picky about the place that you’re allowed to live. This benefit is one of the most worthwhile associated with having homeowners insurance in Provo Utah.

Keeping Your Policy Current: You should never assume that your homeowners insurance in Provo Utah is still protecting you. From time to time, you should contact your insurance provider to determine whether your policy is current. Things happen regardless of the intentions of all parties involved.

Shop around for motorcycle insurance: If you shop around for motorcycle insurance, you could end up saving more than all 6 previous tips combined! Why? Some insurance companies specialize in motorcycle insurance, and others do not. If you seek out the insurers who cater to riders, then you can save as much as 50%.

Here at Insure Utah, we understand the insurance needs of Utah citizens. Covering Utah for more than 60 years, our agents are ready and willing to assist you. We provide many kinds of insurance policies, including homeowners insurance in Provo Utah and motorcycle insurance in Provo Utah. Visit our website and get a quote, or give us a call today!