Four things that might surprise you about your auto insurance policy

Motorists in California, Oregon, Nevada, and Arizona should be adequately informed about their auto insurance needs and responsibilities. There might be some things you’re not aware of about your auto insurance policy. At Avail Insurance Solutions LLC, we’re here to ensure that consumers know everything they need to know about auto insurance coverage.

The following are four things that might surprise you about your auto insurance policy.  

Your auto insurance policy might not cover you in the event of damages caused by fire or theft.

All auto insurance policies don’t cover damage from fire or theft. If you want to enjoy coverage for these types of incidents, you need to add comprehensive coverage to your auto insurance policy.  

Your auto insurance might come in handy if your vehicle breaks down on the road.

Many auto insurance policies include roadside assistance coverage. With this type of coverage, you can get towing costs covered when your vehicle breaks down. 

Your auto insurance policy may cover you for rental vehicle costs after an accident.

Rental coverage is one type of coverage that you really should make sure you have on your policy. With rental coverage, you can get a rental car paid for after an accident if your vehicle is in the shop for repairs for a while. 

Your auto insurance policy is impacted by how much you use your vehicle. 

Auto insurance providers usually ask policyholders how often they use their vehicles.

Policyholders who don’t use their vehicle on a daily basis should definitely make sure their insurance provider knows this because they may be able to enjoy a discount as a result. 

Schedule A Consultation Today

If you need to ensure you’re vehicle, call Avail Insurance Solutions LLC to get a quote on an auto insurance policy. We meet the auto insurance needs of consumers in Arizona, Nevada, California, and Oregon. 

Safe driving tips for new drivers

Many new drivers in California, Nevada, Oregon, and Arizona are unaware of the risks and responsibilities associated with driving. To ensure safe driving, it is important to understand the basics before taking the wheel. Here are some tips from us at Avail Insurance Solutions LLC for new drivers to help make the roads a safer place.

Safe driving tips for new drivers

1. Always wear a seatbelt

Seatbelts not only keep you safe but they are also required by law in most states. Wearing a seatbelt can significantly reduce the risk of injury or death in case of an accident. 

2. Obey speed limits

Driving too fast increases your risk of getting into an accident and can also lead to costly tickets and fines. Always be aware of speed limit signs posted on the road and drive safely within them. 

3. Understand basic road rules

Familiarize yourself with all local traffic laws and regulations, such as yielding at stop signs, merging on highways, and parked vehicles’ right-of-way rules. 

4. Don’t drive while distracted

Distracted driving is one of the leading causes of crashes across age groups. Avoid using your phone or any other device while behind the wheel that could take your attention away from driving safely. 

5. Take extra caution in inclement weather

Rain, snow, fog, ice, or wind can present hazards when driving conditions become less than favorable – so it’s important to slow down and take extra precautions when bad weather strikes! 

We Are Here To Help

Driving is a privilege that requires focus and responsibility – so make sure you adhere to these tips for safe roadways! For more information, give us at Avail Insurance Solutions LLC a call today We are proud to serve the states of California, Nevada, Oregon, and Arizona.

The Importance of Having Comprehensive and Collision Coverage for Your Car

Whether you live in California, Oregon, Nevada, or good ol’ Arizona, as a conscientious car owner, you take all the necessary precautions to protect your investment. However, no matter how careful you are, accidents happen. Comprehensive and collision insurance from Avail Insurance Solutions LLC are essential types of coverage that protect your car from damages that are beyond your control. 

What Is Comprehensive Coverage, and How Does it Protect Your Car?

Comprehensive coverage takes care of damages resulting from incidents that are beyond your control. For instance, if your car is damaged in a hailstorm, vandalized, or stolen, comprehensive coverage will pay for the repairs or replacement. Comprehensive coverage also includes damages caused by animals, such as deer causing a collision. Moreover, this type of coverage also reimburses you when your windshield gets cracked.

Understanding Collision Coverage: When and How It Pays for Auto Repairs

On the other hand, collision coverage pays for damages resulting from an accident with another car or object, irrespective of who is at fault. For instance, if you collide with another car, or hit a tree or a fence, collision coverage will pay for the repairs or replacement.

The Benefits of Having Comprehensive and Collision Coverage for Your Car

The benefits of having comprehensive collision insurance in California, Oregon, Nevada, and Arizona are vast.

Firstly, comprehensive coverage gives you peace of mind that your car is protected in unforeseen circumstances beyond your control. Secondly, collision coverage will eliminate the need for you to pay out of pocket for damages from an accident. Thirdly, both types of coverage can greatly increase the resale value of your vehicle, as potential buyers are more likely to purchase a car that has undergone fewer accidents and had comprehensive protection.

We Can Help!

Comprehensive and collision coverage are essential protections for all car owners. The benefits of having these coverages cannot be overemphasized, as they ensure that your car is protected in various situations beyond your control. At Avail Insurance Solutions LLC, we urge residents of any area to take advantage of comprehensive and collision coverage options to give them peace of mind and protect their investments. Contact us today for more information on how we can help protect your assets.

The Importance of Repairing Your Car After Minor Fender Benders

Here at Avail Insurance Solutions LLC, providing auto insurance to individuals in the states of California, Oregon, Arizona, and Nevada, we often have clients ask us if it is worth filing a claim for and having their vehicle repaired after a minor fender bender. While we cannot advise you as to whether or not you should file an insurance claim or not, what we can tell you is that it is important to have your car repaired after a minor fender bender. 

The Importance of Repairing Your Car After Minor Fender Benders

Minor Fender Benders Affect the Value of Your Car

One of the reasons why you want to have your vehicle repaired after a minor fender bender is because minor dings, dents, scrapes, and scratches can all negatively affect the value of your vehicle. Having the car repaired helps to increase the value of your automobile. 

Minor Fender Benders Can Affect the Stability of Your Car

The second reason why it is important to get your vehicle repaired after a minor fender bender is because a minor fender bender can affect the structure and strength of your car. This can leave your vehicle susceptible to a greater damage if you are involved in another accident in the future. This means that your car may not be able to protect you as it should, which can expose you and your passengers to bodily injury or harm. 

Get Auto Insurance Today

Having the perfect auto insurance coverage for you helps to ensure you are covered in the event of accidents, even for minor fender benders. If you are looking for a new auto insurance policy in the states of California, Oregon, Arizona, and Nevada, the team at Avail Insurance Solutions LLC would love to assist you. Contact us today to get started. 

How Can Auto Insurance Be Green?

When consumers spend less money on non-renewable products and sources, it makes auto insurance green. We at Avail Insurance Solutions LLC serve California and Oregon and know that people want to be able to spend more of their money on other things such as designer clothing, a sleek car, a nicer home, and healthier eating.

How Can Auto Insurance Be Green?

Insurance companies have started to reward individuals with eco-friendly cars because they have begun to see the benefit of rewarding people who drive them. Car manufacturers are working on making each model more efficient with more green models coming out each year.

But can “going green” result in car insurance savings?

Yes. The concept of green car insurance is meant to reduce the cost of consumer goods, including car insurance. If you are currently driving a green, eco-friendly car, you may be able to get car insurance for less.

Green car insurance has become a new concept based on the profits of insurance companies. Many insurance companies are enticing customers to their products with various incentives.

 Also, many of these insurers offer discounts for vehicles that do not “guzzle gas”. Some discounts are alternative fuel premium discounts, endorsements that permit hybrid replacement, and hybrid vehicle premium discounts.

In pay-as-you-drive (PAYD) programs, which are usage-based insurance, drivers are charged based on how much they use their vehicle, rather than a fixed monthly premium. That rewards them for driving less. This is perfect for drivers with a second vehicle that is seldom driven or people who work from home.

There are other reasons why auto insurance costs on green vehicles are decreasing.

  • Many green vehicles have been manufactured within the last five years, making them subject to new government guidelines regarding safety, making them more desirable to own.
  • These vehicles do not rely on fossil fuels. Therefore, they have a reduced chance of bursting into flames in an accident.
  • Green or eco-friendly vehicles have side-impact airbags, are more impact-resistant, and have brighter lights.

Give Us A Call

We at Avail Insurance Solutions LLC, serving residents of California and Oregon, can answer any questions you may have about “going green” with your auto insurance. Contact us today.

Here’s an easy way to make sure your auto repair shop is accepted by your insurance carrier

California drivers can rely on Avail Insurance Solutions LLC to get the auto policy that’s right for them. With so many options available, it can be difficult to determine which is right for you. Contact us today and let us help!

An easy way to ensure your repair shop is accepted by your insurance carrier

When you sign up for an auto policy that includes roadside assistance, it’s an easy way to ensure that the auto repair shop will be approved by your insurance carrier. 

If you are involved in an accident or require towing services, you may worry that the service you call might not be accepted or approved by your insurance provider. This is a real fear, as services performed by those vendors may not be covered by your policy.

Having your roadside assistance service through your auto policy is a great way to avoid this worry. When you access the assistance service, the tow trucks called, or the auto body shops that are recommended are sure to be approved. If you have a preferred repair shop, it makes sense to confirm that they are approved by the carrier of the policy you select. Choosing an auto policy that ensures your shop is accepted is one way to also narrow down the selection process.

Roadside assistance through your auto policy is a smart idea for a variety of different reasons. Choosing the right auto policy is much easier when you work with an agent.

Get in touch today!

California residents are able to turn to the team at Avail Insurance Solutions LLC for help with auto policies or any other insurance types. Get in touch with our office today and find out more.