Why You Should Update Your Car Insurance Coverage

Car insurance protects you from financial losses in case your car gets into an accident. It is important to have the right type and amount of car insurance at all times. Get the help of a reputable Memphis, TN insurance agency such as Keltner Insurance to get auto insurance quotes that are customized to your needs. They will help you to review your auto insurance and determine whether or not it is time for an update. You could be missing out on new discounts or sticking with insurance coverage that no longer meets your needs. The following are some of the situations that may make it necessary to update your car insurance coverage.

Major Life Changes

Major life changes may force you to update your car insurance coverage. They include; marriage, getting kids and moving to a new home. If you are a new homeowner, you may get a homeowners’ discount. If you are getting married, you may need to include your spouse in your car insurance policy. You may need to remove an old spouse if you are getting divorced. If your child just got their driver’s license, you may need to include them in your policy. That addition may lead to an increase in your premium rates.

Before and After Buying a New Car

You may need to update your auto insurance while shopping for a car. It helps you to know the premium rates beforehand and come up with appropriate budget plans. It helps you to buy a car that you can afford to insure. Updating your premium after buying a new car protects your car in case of accidents. It is important to have your car insured from the first time you drive it. You never know when an accident could happen.

Contact Keltner Insurance for your auto insurance needs in Memphis, TN.

What Are Your Choices for Auto Insurance in Memphis?

Sometimes when you buy a car, your choices for auto insurance are made for you. If you lease or finance, the bank does everything possible to ensure that you’re protecting the property to the utmost degree, so you’ll be required to have comprehensive coverage to get the loan or lease. But if you buy a car with cash, you have the option for liability or a less inclusive policy. While the price may be right, the decision might be wrong. 

Keeping Insurance Simple 

Keltner Insurance has helped the people of Memphis, TN understand their options when choosing the right auto insurance policies, and we can do it for you too. If you live in this city, you need to be prepared for practically anything. Liability only helps the person you hit. It can leave the at-fault party without transportation for weeks or potentially months if the person can’t afford to fix their car or buy another one. Uninsured drivers, drivers with not enough coverage and hit-and-runs are typically not covered, meaning you’ll be responsible for fixing your own car if you can’t successfully track down the criminal driver or sue for money the driver might not have. 

Calling Keltner Insurance 

Most people are better off getting a better policy than they have now, so if you want to see what you’ll pay for more coverage, talk to us for more information. The people in Memphis, TN stay safe in part because of their responsible choices when it comes to being on the road. Setting a good example isn’t just good for you, it’s good for your family, friends, and neighbors. Give us a call today to see what your choices are and how to elevate your protection and security when on the road.

Ways To Avoid Road Rage

Road rage can affect even the best of us while driving. For some people, it is a chain of events that can really get under their skin. For others, one small thing can set them off and before you know it, they are driving around in a fit of rage. This type of driving is not beneficial for anyone. It can increase the risk of an accident since the driver is more focused on their anger than their driving. To counteract these emotions while driving, use these tips.

  • If someone is riding your car from behind, consider moving out of the way instead of egging them on or letting the action make you angry. By letting them pass, you are letting them leave your vicinity as well as the potential road rage. Your passengers will thank you.
  • Listen to music that makes you happy while in the car. Listening to the music that you like will make your mood better no matter how annoying some other drivers may be. Some people even like to create mixes to help them stay calm behind the wheel in traffic.
  • Plan ahead for potential delays. You are more likely to get frustrated behind the wheel when you are running late. Give yourself some extra time to counteract this and reduce the risk of road rage.
  • Only use your horn when absolutely necessary. Even if people are not angry yet, using your horn is guaranteed to escalate the situation. Only use it if absolutely necessary instead and avoid the spread of road rage.

Another thing that can make you mad while driving is not having enough or adequate insurance. Take care of that issue by contacting us at Keltner Insurance for a policy review or to explore your options.