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Bundling Insurance: Working with an Agent

Keeping up with several monthly insurance payments can be a pain. A couple of years back, I found a way to simplify the process. By purchasing my home, life, and auto insurance with one provider, I went from three to one monthly obligation to track. It did take a little while to find the right provider. Even then, I had to compare different plans, and work with an agent to create the bundle. Now that it is in place, there is no doubt that managing the household budget is easier. If you are wondering about insurance bundling, let me share how I did it. Before long, you will also enjoy the peace of mind that comes with knowing you are covered and what it feels like to deal with only one monthly insurance payment.

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Bundling Insurance: Working with an Agent

Save Money And Stay Safe: 5 Money-Saving Car Safety Features You Need

by Dwayne Terry

There are a number of tools at your fingertips to help reduce your auto insurance premium. Unfortunately, most of them take time to actually save you money. Luckily, car safety features are immediate discounts for your premium. Here are five various features that will not only increase your safety while on the road but will save your out-of-pocket expenses as well:

1. Lane Drift Warning Technology

It isn't uncommon for individuals to fall asleep at the wheel. This is true even if it is for a split second, but that's all it takes to go off the road or cross the center line and get into an accident. Lane drift warning technology systems will warn the driver with a seat vibration or a simple alarm that the car has deviated from its course. Some systems will go so far as auto-correcting and steering your vehicle back into its appropriate lane.

2. Automated Braking Technology

Drivers need to act fast when an emergency occurs on the road. However, it still takes a significant amount of time to bring your vehicle to a stop. To reduce that time, an automated braking system can sense when you are making a fast shift from the gas pedal to the brake pedal. At this time, it will kick in and apply pressure to the brake pedal. This significantly reduces the time it takes to stop and can make a huge difference when it comes to being involved in a collision or avoiding an accident.

3. Occupant Sensitive Airbags

Airbags are in your vehicle to save you and your passenger's lives in the event of an accident. Unfortunately, if the passenger is underweight or is a child, when the airbag deploys, it can cause significant injury. Occupant-sensitive airbag technology is specifically designed to detect the weight, size, posture and position of a passenger as well as the vehicle's speed in order to adjust its impact.  

4. Detection of Pedestrian Technology

Although no one wants to admit it, it can sometimes be hard to see a pedestrian in front of you. This is particularly true at night. With pedestrian detection technology, the system will be able to see when an individual or object is in front of the car and will signal an alarm that alerts the driver of the potential danger. If the driver does not correct their movement for whatever reason, the system will automatically bring the vehicle to a stop.

5. Night Vision Technology

There are basically two types of night vision technology: infrared headlamps and thermal-imaging cameras. Both will help you have better vision at nighttime so that you can more accurately see things in front of you that you normally wouldn't see.

Before you have a particular feature installed in your vehicle, make sure it is one that your insurance company approves. Some companies may not approve discounts for all safety features. If you have any further questions, speak directly with a company like Cambridge Insurance Brokers (Preston) Ltd.

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