Safe Winter Driving Tips and the Importance of Auto Insurance

Winter is coming. While the cold weather is inevitable (unless you relocate to warmer climates), there are steps you can take to reduce the risk associated with winter driving. We’ll cover some safe winter driving tips below. One tip to note upfront: ensuring that you have the right auto insurance policy to protect yourself and your vehicle is crucial. If you’re looking for insurance agents serving Harrison, AR, consider reaching out to Foresee General Insurance Agency Inc.

Essential Winter Driving Tips

Firstly, it’s crucial to check the weather before hitting the road. If a blizzard is forecasted or authorities are warning of icy conditions, you’ll want to prepare yourself before even getting in your car. When ice and snow pose a significant threat, driving slower and more defensively is wise.

Additionally, before setting off, ensure you clear snow and ice from the windows. Simply creating a small see-through area isn’t sufficient. You should remove all the snow and ice, including from the rear windshield.

It’s also advisable to ensure that your phone is charged and keep a phone charger in your vehicle. In case of an emergency, you’ll want to be able to contact authorities immediately. Especially in winter, time is often of the essence.

Keeping a blanket and heavy jacket in your vehicle is a smart move. If you are stuck in a storm or stranded, the right emergency gear could prove crucial. It’s also important to ensure that your car is covered by a robust insurance policy that will protect you should problems arise this winter. If you’re looking for an insurance agency serving Harrison, AR, contact Foresee General Insurance Agency Inc. right away.

At Foresee General Insurance Agency Inc., we extend our best wishes to all happy couples embarking on marital bliss in Harrison, AR. Many couples combine their auto insurance upon marriage as it often decreases premiums. However, things don’t always go as planned.

When Couples Should Combine Auto Insurance

If both spouses have good driving records, their premiums are generally quite affordable. Marriage reduces perceived risk for insurance underwriters because statistics show that married people tend to drive safer than single. As a result, auto insurance premiums typically lower further when couples combine policies.

When to Keep Your Auto Insurance Separate

Combining auto insurance isn’t always a good idea, as exemplified by the TV show The Closer, which features Brenda and Fritz. On the show, Fritz gets pulled over for drunk driving while single, which can increase insurance rates due to the loss of DUI/DWI points. When Brenda inquires about joint insurance premiums, she finds them more expensive than her current plan.

The TV show illustrates real insurance industry realities: Marriage may not decrease premiums if either spouse has a poor driving record. It’s best to glean lessons from these fictional scenarios to prevent real-life insurance issues.

How to Approach Insurance and Marriage

Before tying the knot, have an open conversation about each spouse’s financial history and future goals. Know that building a plan based on honesty sets you on the right track. If you’ve been found negligent in an accident, received a DUI/DWI, or have a poor driving history for any other reason, inform your future spouse.

Contact Foresee General Insurance Agency Today

Once you’ve decided on your auto insurance approach, reach out to Foresee General Insurance Agency Inc. We serve Harrison, AR residents by providing them with the necessary insurance. Give us a call today.

A Glimpse into the History of Auto Insurance

Given that cars are a relatively recent phenomenon, auto insurance is a comparably modern convention. Nonetheless, the concept of insurance bears a much longer history. In this piece, we will journey through the evolution of insurance, with a special focus on auto insurance. If you have inquiries about coverage or policy choices for auto insurance, feel free to contact Foresee General Insurance Agency Inc., which proudly serves Harrison, AR.

The Evolution of Insurance Through Ages

Insurance, in elemental forms, has been in existence for millennia. Going as far back as 1750 BC, there are mentions of insurance for sea shipping in the Code of Hammurabi. During the medieval era, trade guilds occasionally offered compensation if a member’s forge or other properties were destroyed by fire. With the increased global shipping in the 17th and 18th centuries, shipping insurance saw a boom. Subsequently, Ben Franklin started a fire insurance scheme in Philadelphia in 1751.

Moving forward, auto insurance came onto the scene comparatively later. The first automobile invention dates back to 1886, and by the turn of the 19th century, cars were becoming considerably common in some regions. The first auto insurance policy is believed to have been procured by Gilbert J. Loomis in 1897 in Ohio.

In 1925, Massachusetts took the lead as the first state to make auto insurance mandatory. New York followed suit in 1956, North Carolina in 1957, and by 1970, car insurance policies were required in most states. However, coverage mandates vary from state to state, so consulting with an insurance agent is advisable.

If you or your loved ones need guidance in selecting an auto insurance policy, reach out to the Foresee General Insurance Agency Inc., serving Harrison, AR, for assistance.

Car owners throughout the Harrison, AR area will find that owning a vehicle can make it far easier to get around the state and local community. While there are plenty of reasons to own a car, it is important to remember that it is an important responsibility. One aspect of owning a car that you need to take seriously is the need to get insurance. An auto insurance policy for your Arkansas vehicle will cover you in several ways. 

Covers Your Car

A great reason to have an auto insurance plan here is that it can cover your car. If you buy a vehicle here, you will need to ensure your investment is secure. The best way this is done is with insurance. When you have a comprehensive and full collision plan, you will get support to replace or repair your vehicle if it is stolen or damaged in any way. If you also have an auto loan, your lender will require you to carry full coverage. 

Liability Risk Mitigation

It is also a good idea to get auto coverage to mitigate your liability risks. Anyone who drives a car could cause a collision. If this happens to you, it will be your responsibility to cover the damages. Fortunately, if you do carry an auto insurance policy, you will have financial resources to cover these expenses. 

An auto insurance plan is a good investment due to the benefits that it provides to policyholders. If you want this insurance in the Harrison, AR area, you should call our team with Foresee General Insurance Agency Inc. Our insurance team at Foresee General Insurance Agency Inc. knows the value of this coverage and will ensure you choose the ideal policy that meets your needs. 

When was the last time you thought about your auto insurance? If you’re not reviewing your policy annually, you could lose out on valuable coverage or pay extra for unnecessary coverage. Changes in your life or lifestyle could impact your auto insurance, and you may need to update your policy to maintain accurate coverage. At Foresee General Insurance Agency Inc. in Harrison, AR, we’ve compiled a few examples of when it may be necessary to update your auto insurance.

Moved to a New Location

A move to a new city or state will require that you update your contact information on your policy. If you move from a rural to an urban area, you may want extra insurance protection to cover the risks of city driving. If you move out of state, you may need to update your policy to reflect the insurance requirements of your new state.

Adding Drivers to Your Household

New drivers to your household will need to be added to your insurance policy if they are driving your vehicle regularly. Putting them on your policy ensures they’re fully protected against any eventuality.

Retirement

If you’re driving less due to retirement, you may not need as much coverage as when you had a daily commute to and from work. Talk to your agent about updating your coverage to reflect new driving habits. Reducing your coverage could save you money in the long run.

Change of Vehicle

A change of vehicle will require an update to your insurance coverage. If you’re financing a new vehicle, your lender may require more extensive coverage to protect his investment. You can discuss coverage options with our agent to ensure you get the protection you need.

For help updating your auto insurance policy, contact Foresee General Insurance Agency Inc. in Harrison, AR.

Getting auto insurance is important for vehicle owners driving on roads in Harrison, AR. When looking for a policy, consider the auto insurance coverage offered by Foresee General Insurance Agency Inc. to meet your insurance needs.

Unfortunately, consumers sometimes make auto insurance mistakes that lead to negative consequences down the road. The following are three mistakes to avoid when you buy auto insurance in Arkansas. 

Being unaware of minimum coverage requirements in Arkansas

In Arkansas, there are specific liability coverage requirements in effect. Motorists need to meet these minimum coverage requirements at least.

In Arkansas, motorists are required to carry $25,000 in bodily injury coverage per person per accident and $25,000 in property damage coverage. 

Purchasing only liability coverage

Law only requires you to carry liability coverage on your Arkansas auto insurance policy. However, that doesn’t mean you shouldn’t carry other types of coverage. 

If you want to make sure that your auto insurance policy adequately protects your vehicle’s value, you should add comprehensive and collision coverage to your insurance policy. 

Buying a policy before you compare quotes

Getting quotes on auto insurance policies is crucial to becoming aware of all available options. The auto insurance policy you choose is important and can impact your future finances.

That’s why you need to carefully evaluate a few different quotes. Evaluate quotes not only based on their cost but also the amount of coverage that they will provide you with. 

We can provide you with a quote on an Arkansas auto insurance policy at Foresee General Insurance Agency Inc. Call us today to learn about the auto insurance offers we provide to consumers in Harrison, AR. 

Residents in Harrison, AR, and the surrounding area can count on the team at Foresee General Insurance Agency Inc. for all of their auto insurance needs. Call or stop by our office today to find out more.

Add these features to your auto policy.

There are a lot of great features that are now available with common auto insurance policies. If you want to maximize the benefits of your new auto policy, consider adding one or all of these great features:

• Declining premium – your premium will decrease every year you go without an accident or claim. There are even some carriers that offer zero-payment policies with this feature. A declining premium is a must-have for all of the safe drivers out there!
• Car rental coverage – no one wants to be without transportation, which is true when your car is in the shop after an accident. Check out this feature that can prevent you from having to come out of pocket for car rental expenses. 
• Roadside assistance – if you are ever caught on the side of the road because of a breakdown or accident, you’ll want to have roadside assistance ready to go. When you add this feature to your policy, you can rest assured that you’ll receive prompt service from providers approved by your insurance carrier. 

These are just a few of the many worthwhile features that are available with your auto insurance policy. Why not find out more about these excellent services and others that are available?

Give us a call today!

Foresee General Insurance Agency Inc. is here to help the greater Harrison, AR community with all of its insurance needs. If you have questions about auto insurance, give us a call today.

Most states have basic auto insurance requirements that you must meet to drive your vehicle, and Arkansas is no exception. At Foresee General Insurance Agency Inc. in Harrison, AR, we understand the temptation to carry the bare minimum auto insurance, but we also understand the risks, and we can share our experience with our customers to help them to make the right choice for them. 

In Arkansas, basic auto insurance is strictly liability coverage. The required amount is 25/50/25. This provides $25,000 for one person injured in an accident and a total of $50,000 for two or more people injured. It also allows for $25,000 for damaged property. While this is adequate coverage, it may not be enough to protect you in a severe accident. 

If you have a car loan or you are leasing your vehicle, you will not be able to get away with just having basic auto insurance. You need protection for the car as well. 

If like many people, you don’t live somewhere that has excellent public transportation, you require your vehicle to get around for the daily activities of life. If that vehicle was unavailable to you because it had been damaged in an accident where you were responsible or a hit and run, would you be able to pay for the repairs to get it back on the road? If your auto was damaged by flooding or another weather-related event, or if it was stolen, would you be able to replace it easily? If your answer is no, this is one excellent reason to carry more than just basic auto insurance. 

Contact Foresee General Insurance Agency Inc. in Harrison, AR for all your auto insurance needs. We will answer all your questions and provide a free quote as well.