Archives for August 2014

The 10 Safest And Cheapest Cars For Teens!

Your child has reached the ripe, young age of 16, and has passed their drivers’ test! Now, you will need to decide which vehicle to purchase for your newly licensed teen. Your days of chauffeuring from one activity to another are almost over! Although your teen will be drawn to flashy, expensive sports cars, a more inexpensive model would be the most financially responsible decision. However, you want to make sure you choose a safe, and reliable car. Here is a list of the 10 cheapest vehicles when it comes to safety and insurance:

  • Honda Civic: $18,390. This model has a rear-view camera to assist drivers with parking, and backing up. Additionally, it comes complete with electronic stability control, anti-lock brakes, and airbags all around!
  • Mazda 3: $16,495. This car offers a sports car feel that your child will love! It has an incredibly high safety rating, and features daytime running lights.
  • Toyota Prius: $24,200. This car is great for the ecologically friendly family! It has stability control, and gets excellent gas mileage.
  • Honda Accord: $21,955. This vehicle has a rollover sensor, and LaneWatch. LaneWatch is a new technology that illuminates your blind spot when changing lanes.
  • Mazda 6: $21,190. This sedan has great safety ratings, and utilizes a rear cross-traffic alert system.
  • Ford Fusion: $20,795. If you like great gas mileage, this is the car for you! You even have the option to limit the fastest speed the car can travel.
  • Mitsubishi Outlander: $22,995. This smaller SUV has a ton of new safety features, and allows your driver to sit up a bit higher than in a car.
  • Nissan Rogue: $22,790. This car features zero gravity seats that improve blood flow and attention span during long drives.
  • Subaru Outback: $23,495. This vehicle will warn your driver if they begin to swerve outside of their lane.
  • Subaru Forester: $22,195. The Forester will keep your knees protected in a collision due to driver knee airbags.

If you would like to speak to an insurance representative about auto insurance for your new driver, please call us at The Alliance Group of Western New York! We are qualified to assist you with all of your insurance needs!

7 Tips For Shipping Your Child Away To College!

Sending your child off to college is frightening in more ways than one. From now on, they will be free to make their own choices, and it is normal to worry about whether or not they are prepared! You want them to succeed in classes, and have a great time finding out who they really are. Here are a few tips for parents preparing to ship their children off to the next chapter of life:

  • Remind your children that they will meet people from all walks of life. Encourage them to be open minded, and tolerant of others.
  • Avoid any negative comments about the university they are headed too. This will help relieve any of the negativity they may already feel towards leaving their hometown.
  • Encourage socialization! Talking to classmates and joining clubs is how your children will find the group of people who make them feel great.
  • Remind your child how important it is to make connections with professors. Not only can they provide guidance, but also they will be great connections when searching for jobs in 4 years.
  • Research all of the activities offered through the university, and present them to your child. Being an active member of the university community is an easy way to make friends.
  • If your child is attending a city university, encourage them to look for a job off campus. It will be close enough for them to walk to, and will help build their confidence and work ethic.
  • Don’t dwell on the freshman 15. Unless your child’s weight is already unhealthy, there is no reason to damage their self-esteem.

 

If you would like to speak to an experienced insurance agent regarding coverage, The Alliance Group of Western New York is the business for you! We can provide you with a customized insurance project that won’t empty your wallet.

3 Questions To Ask Yourself About Your Vacation Homeowners Policy

There are a few summer months still waiting to be taken advantage of! Are you like the thousands of other Americans who flock to their beloved vacation homes to bask in the final days of summer sunshine? If so, there are many things you should understand about insurance for your vacation home! Many vacation homes are located near water, or are in areas that commonly experience natural disasters. This puts your home at an increased risk, and further justifies why you should have adequate insurance.

Take a few moments to reevaluate your current policy, and make sure it is meeting all of your needs. Here are a few questions to guide your assessment:

  1. Does your main homeowners policy come with secondary home endorsement? You may not need a stand-alone home insurance policy for your vacation home if this is the case. However, you will need to make sure that the coverage is not skimpy in any areas. If it is, you should consider purchasing a more comprehensive stand-alone policy.
  2. Do you have enough liability coverage? Vacation homeowners have been known to invite their family and friends. Therefore, the risk of injury occurring on the property is increased. If you do not think you have enough coverage, an umbrella policy may be what you need.
  3. How does insurance differ based on the location of your vacation home? If your home is located in a different state, the insurance laws may vary greatly. It is important to familiarize yourself with the rules.

Would you like professional advice regarding your vacation home? If so, please do not hesitate to contact the trusted Alliance Group of Western New York! We will not sleep until we ensure your vacation home is properly protected!

Don’t Let A Pothole Rock Your Bank Account…Get Car Insurance!

When the winter months finally come to an end, those pesky potholes begin to appear all over the roads! Some potholes are big enough to be seen and avoided, while others are too small to do any real damage. However, what about the potholes in between? You know, the large holes in the ground that seem to come out of nowhere, and rattle your entire vehicle? These holes have the ability to do a great deal of damage to your car.

Have you spoken to your insurance agent to determine whether or not your auto insurance policy will cover damage done by potholes? Here are a few examples of pothole damage you may experience:

  • Tire puncture
  • Bent wheel rims
  • Impaired steering system alignment
  • Ruined shocks and struts
  • Damaged exhaust system
  • Damaged engine

Luckily for you, most auto insurance policies will cover these repairs! However, it is still smart to check with your insurance agent first.

The most important form of coverage you need in order to receive reimbursement for pothole damage is collision coverage. This is an optional form of coverage, so make sure you add it to your policy.

When deciding whether or not to make a claim, you should first consider your deductible. Pothole damage usually costs somewhere between $300 and $700. Therefore, some instances may not justify a claim. After filing, there is a chance that your insurance carrier will raise your rate.

In order to decrease your odds of having damage done to your vehicle because of potholes, try to slow down and avoid them whenever possible.

If you would like to speak to a qualified insurance agent, please contact The Alliance Group of Western New York! Our agents are standing by to help you with anything you may need!