Wednesday, October 26, 2011

When Your Teen Starts Driving

Every parent has nightmares when a teen begins to drive. Even the safest of cars can become a dangerous tool in the hands of an inexperienced driver. Allied Brokers is here to offer you the kind of auto insurance you need to stay fully protected when your teen begins driving. But we know that your priority is to protect your teen and prevent any kind of accident, and insurance coverage, although essential, comes in second. That’s why we offer you these tips to help keep your teen safe when he or she begins driving.

• Teens can irritate their parents in unimaginable ways. When teaching your teen to drive stay calm. Your anger will rub off on him or her and affect the driving skill.

• Allow your teen to drive you around as much as possible after getting the learner’s permit. Practice does make perfect and this is the best way to do it.

• The vehicle that the teen drives may not be new but it should be mechanically sound and clean.

• Whether it’s you or the teen driving, turn off the radio and talk about the hazards of the road and how to avoid them.

• Set a good example by always using a seat belt, avoiding using a cell phone while driving, sipping coffee, eating or doing anything else that could distract you. Insist on the same from the teen.

• Driving at night is a whole new ball game. Make sure the teen is a good daytime driver before allowing night time driving.

Allied Brokers has been part of the Bay Area community for over 50 years. We sell insurance of all kinds, but we never forget that insurance is for people and people always come first. Contact us for your car insurance or any other insurance needs. We’ll give you the insurance policies that are right for you. Call us at 1-888-505-7988 and ask for a free insurance quote. Visit us at http://www.alliedbrokers.com/ to find out more about the insurance products and services we offer.

Tuesday, October 25, 2011

What Auto Insurance Do You Need?

Car Insurance is a complex subject with a variety of coverage options to choose from. The more coverage you have and the larger the loss covered the higher will be the premium. So it is always a good idea to assess the risks and costs to find the type of insurance coverage that is right for you. To be sure that you are making the right choices and not leaving yourself dangerously uncovered, consult an insurance professional.

To drive in California, liability coverage is mandatory. This will pay for damage and injury caused by your fault. Since even the cost of legal services to defend you are covered, it is advisable to take coverage above the minimum legal requirement. Collision coverage will pay for repairing damage to your car, irrespective of who is at fault. Personal injury protection will pay for any medical expenses you may incur and for any loss of wages arising from reasons covered by your insurance. Comprehensive insurance protects you from damage to your vehicle due to reasons other than a collision. If you are a frequent user of rented vehicles, getting an insurance policy that covers you when using a rented car is a good idea.

To have all your auto insurance question answered and for expert advice on what type of auto insurance coverage is right for you, contact Allied Brokers. Call 1-888-505-7988 (toll free) and ask for a free quote. Or just go to http://www.alliedbrokers.com/ to have a look at all the car and other types of insurance that you can choose from.

Friday, October 21, 2011

Understanding Condo Owners Insurance

It easy to confuse condo insurance with home insurance. But they are two distinct insurance categories and need to be viewed as such. If you own a condo, here are a few important issues you should keep in mind when choosing your insurance provider and the terms of the insurance coverage. A good condo owner’s insurance policy should cover:
  • Personal Property – This will cover loss of normal household items in case of fire, theft or other covered contingencies.
  • Additional Personal Property – If you own antiques, valuable art works, large amounts of jewelry and other such items, you need this protection.
  • Improvements – This will cover improvements you have made to the condo and additional fixture you have installed
  • Additional Living Expenses – This will cover your living costs should your condo become uninhabitable due to any factor you are insured against.
  • Guest Medical Coverage – This will cover the medical expenses of guests injured while in the condo
  • Worker’s Comp Coverage – This will pay for the medical expenses of any personal employees such as nannies, cooks maids etc.
  • Personal Liability Protection – This coverage will pay for liability due to damage or injury resulting from a covered incident.
  • Loss Assessment – This often overlooked coverage covers you, should the condo association levy an assessment on each condo owner for the repair of common areas. 

Building coverage is needed for the portion of your unit not covered by the HOA homeowners association policy. We will help you review your CCR's to determine the correct amount of coverage. This is the most common error on condo policies. Contact Allied Brokers to find out more about condo insurance and the coverage options that meet your specific requirements. All you need to do is call 1-888-505-7988 (toll free) and tell them what you are looking for in the way of condo or any other insurance. They will be glad to give you a free quote. Or visit the company website at http://www.alliedbrokers.com/ to learn more about the insurance products and services on offer.

Wednesday, October 19, 2011

The Importance Of Personal Umbrella Insurance

You have all the home and car insurance you need. Auto liability insurance, collision insurance, comprehensive insurance and the rest. The same applies to your homeowner’s insurance, home liability insurance etc. But suppose you have a teen that has just begun driving – the accident risk has increased. Or if you bought a dog and it bites a neighbor. A pizza delivery person could trip over a crack in your driveway; a tree in your yard could fall on your neighbor’s house and damage it. All kinds of things can happen to increase your risk and liability. And the insurance policies you have may not cover you completely.

 That’s where an umbrella insurance policy protects you. Umbrella policy is meant to cover the gap between the liability coverage you already have and the claims that could be made against you. Different companies offer different types of umbrella policies with a range of coverage options, so choosing the right one for you can be extremely confusing. Why not contact Allied Brokers and allow us to work with you to analyze your insurance needs? We’ll present you with the information you need in clear and direct terms and then, if required, help you find the umbrella or other forms of insurance that will give you the coverage you need. Call us at 1-888-505-7988 to get started. If you have any specific insurance needs, why not ask for a free quote? If you would like to know more about Allied Brokers visit http://www.alliedbrokers.com/.