Tag Archives: auto insurance

Cars trapped in snow

2016 Best Cars For Snow

Here’s a run down of the best vehicles to navigate through the snow
via Jim Gorzelany of Forbes.com

But which of the myriad AWD vehicular choices can be expected to perform best under the snowiest conditions?

Click here to view the list of the best cars!

We scoured automakers’ spec sheets to compile a list of 20 affordable cars/station wagons and car-based crossover SUVs from the 2016 model year – featured in the accompanying slide show – that can be expected to handle the worst Mother Nature can dish out this winter. Each can be fitted with AWD for less than $50,000 and feature a much-higher-than-average ground clearance (the distance between the pavement and the lowest part of a vehicle) that enables them to traverse moderately snow-packed roads or driveways without unduly scraping the undercarriage or becoming snowbound. In addition, all offer winter-friendly amenities like heated seats, and are every bit as enjoyable to pilot on dry pavement as they are capable in the snow. Always slow down as the weather worsens. Leave extra room between your vehicle and the traffic ahead – a car’s brakes won’t work as well as they would on dry pavement. And keep an eye out for frozen patches, especially on bridges and overpasses which tend to freeze sooner than paved roads.

It is important to that  you stay protected as well when purchasing a new vehicle by attaining auto insurance. Contact us at Parr Insurance Brokerage and we will insure that you are protected!

Parr Insurance Brokerage
P.773.489.3001
2157 N Damen #2B
Chicago, IL 60647

 

 

auto insurance

Benefits of Comprehensive Auto Insurance

5 Reasons to Have Comprehensive Auto Insurance
via Amy Danise at Forbes Magazine

 1. It pays to replace your car if it’s stolen

Could you afford to buy another car like the one you had if yours was stolen and not recovered? If the answer is no, you should probably have comprehensive coverage. And if you’ve financed the car, your lender likely requires you to have a policy.

Note that standard comprehensive coverage doesn’t pay for a brand-new car, just reimburses you for the value of the one that was stolen. You can find your car’s current value through sites such as NADAguides.

  1. It pays to repair damage from animal collisions.

This is one of the many ways in which auto insurance can be confusing: “Collision coverage” doesn’t pay to repair damage to your car if that collision is with an animal. That scenario falls under comprehensive coverage.Deer strikes tend to get the most attention, but your car could be severely damaged by a collision with another wild animal, such as a moose, a large domestic animal, such as a dog, or even livestock. If you’d want insurance to pay for your smashed fender, dented hood and broken windshield, you should buy comprehensive coverage.

  1. It pays to repair weather damage.

Golf ball-sized hail could leave dents all over your car. Or a tornado could pick it up and drop it a few houses down. Comprehensive coverage pays for car repairs due to either of these scenarios. If your car is totaled by a weather-related event, your insurer will issue you a check for its value.

  1. It pays to repair flood damage.

Water can destroy your vehicle’s mechanical parts and upholstery — and if there’s enough damage, it could be considered totaled. This is when comprehensive coverage would kick in. Think this is a far-fetched problem? About 20% of flood insurance claims come from areas considered low or moderate risk, according to the National Flood Insurance Program.

  1.  It pays to repair fire damage.

Roadside car fires are a staple of morning traffic reports, and they’re inevitably accompanied by rubbernecking delays. But if this happens to your car, comprehensive insurance would pay to replace it. Comprehensive coverage also pays to repair damage caused by vandalism or falling objects, such as tree branches.

Read the full article here!

If you are interested in obtaining comprehensive coverage, please contact Parr Insurance Brokerage.

Parr Insurance Brokerage
(773)-489-3001
2157 N Damen #2B
Chicago, IL 60647