3 basic auto insurance rules to keep in mind as a first time driver

Posted on by admin

Shopping for your first car in Indianapolis, IN can be an exhilarating experience. However, there is a not- so- fun part that involves shopping for auto insurance. A car is a huge investment; you want to ensure that you are adequately covered in case you get into an accident so that you don’t have to seek financial help from bank loans. At Irvington Insurance, we recommend conducting proper research and seeking insurance advice from experts before settling on a specific insurance deal.

1. Understand your auto insurance coverages

As a first-time insurance buyer, you may need to invest some time into research for auto insurance. This will help you focus on your needs and budget. Evaluating your coverages also helps keep you one step ahead of your insurance provider. 

2. Not sticking to your budget can be costly

Car insurance rates and coverage options are pretty much similar in most states. The basic auto insurance policy is quite affordable, and it covers most of the critical aspects. If you are tight on budget, consider buying what matters to you most and ignore new optional coverages that will only cost you more. Remember, the more coverages you get on your policy, the more costly your policy gets.

3. Your driving habits are key

Your driving record is a significant determinant of how much your insurance company will charge you. Young drivers are generally perceived as less experienced and, therefore, are likely to be charged more.

Purchasing insurance for your first toy is not an option but a legal requirement. Adhering to the traffic rules put in place as well as keeping your insurance coverages updated are some of the important steps that can help you stay safe on the roads as a first-time driver. For more information on auto insurance, speak to an Irvington Insurance expert in Indianapolis, IN today!

 
 
 

How Do I Choose a Life Insurance Policy in Indianapolis?

Posted on by admin

Many of those that are in the Indianapolis, IN area are going to need to have a good life insurance policy. When you are shopping for life insurance, it can be overwhelming to choose the type and level of coverage that you need. If you are in the market for a life insurance policy, there are several tips to consider that could help you to pick the best policy for your situation. 

Considering Options

One factor that you need to consider when picking a life insurance policy is the type of policy that would be right for your situation. The two most common forms available today are term and whole life insurance. A term life policy will give you coverage for a specific term and, typically, has more affordable premiums. With a whole life policy, your premiums will be higher, but you can also consider it a conservative investment alternative. 

Determining Coverage Needs

Another factor to consider is your future coverage needs. This can be a tricky challenge to come up with. When you are trying to figure out your coverage needs, you will need to consider all of the future expenses that your dependants could incur. This could include the costs of housing, raising kids, retirement, or even future higher education costs. You can then offset this by using assets that you currently own to determine your needs. 

Ultimately, picking a life insurance policy is a big decision. When you are shopping for life insurance, you should contact the team at Irvington Insurance. Our insurance professionals are experienced in helping people choose the perfect life insurance policies. Irvington Insurance in Indianapolis, IN will work with you to determine what coverage is appropriate for your needs and can help you get a quote.

Essential Spring Maintenance Tips that Positively Impact Your Homeowner’s Insurance

Posted on by admin

Spring is a time of renewal and rebirth. Get your Indianapolis, IN home ready for the sun with these essential maintenance tips from Irvington Insurance. Besides making your residential property cleaner, safer, and more comfortable, these tasks could also positively impact your homeowner’s insurance premiums and options.

Landscaping

Before you get into the garden for your first spring planting, take some time to look at the trees and shrubbery that line your property. Call a professional service to help you trim back unruly trees that are invading your neighbors’ property, remove large branches that could fall and cause damage, or dead plants that play host to invasive insects.

Foundations

The winter freeze could leave tiny cracks throughout the foundation. Over time, these small fissures can widen and become a big problem. Inspect the edges of your foundation for holes and other damage. Have it taken care of immediately to avoid big structural issues that could trigger an expensive claim.

Roof and Gutters

The time between the spring thaw and the summer heat could leave your roof soaking in a pool of stagnant moisture. This can seep in the creases between tiles and contribute to the breakdown of your roof. Get a good look at the roof and gutters, paying close attention to holes, missing tiles, and soft spots. Clean your gutters and check them for damage as well. Your local handyman can easily fix small issues before they get out of hand.

Basements

Winter gets into your home too. Your basement is one of the most vulnerable parts of your home’s interior. Thoroughly inspect your plumbing and foundation from the inside of the basement for leaks, cracks, mold, and other signs of damage.

Start the new season with a customized home insurance policy that is as fresh as your newly cleaned home. Contact the agents at Irvington Insurance in Indianapolis, IN for a free quote on your residential property.