“Tips and Tricks Tuesdays”

                                             Image Credit: Reflex Tuning

Every Tuesday, I am going to focus on a different tip or a trick that can help make understanding insurance easier.

This week’s focus will be which vehicles to purchase to help keep your insurance costs low.

My first tip would be before you purchase your vehicle, call your insurance company and get a quote. When purchasing a new vehicle, it can make your insurance premium increase. Depending on the type of vehicle and the safety features of the vehicle it could also make it decrease. Calling ahead to get the price before you buy helps make sure there is not sticker shock when you make the change to your policy.

Second tip I can give is the type of vehicle to purchase. Most people think when they buy a smaller vehicle it will make their insurance premium decrease. This is not the case. When buying a smaller vehicle it can actually make your premium increase. The reason for this is if you are in an accident in a smaller vehicle, you can have more injuries because they are not big enough to withstand the impact and will push either the front in towards your legs and cause leg injuries or if rear-ended the back end can be pushed in and cause neck and back injuries.

If the car buying experience stresses you out, check out the blog Stress Management by Tram Le. She can help give tips to relieve your stress and help you relax. 

If you have an idea that you would like me to discuss, please let me know by either emailing me or replying to my post.

Pretty, Yet Scary

                                                      Image Credit: Pixabay


The fresh snow falling and laying on the ground, covering up the grass and blanketing everything in its way. Winter can be so calming to many. However, it is very scary to me when I have to leave the house. When I see that it has snowed and I have to go to school or work or to the store, I start to have a panic attack.
The first time I had to actually deal with an insurance company was when I had my first accident. It was March 1996. I was 18 almost 19 years old. My spring break was coming to an end, and I was out trying to get applications to fill out for a summer job. It had snowed the night before, but I did not care. I had to get this done. About 5 miles from my house, I had just been stopped at a stop light. The light turned green and I proceeded to go, I looked down to change the radio station and when I looked back up, the van in front of me had stopped. I quickly put my foot on the brake, but it was to late. I rear ended the vehicle in front of me. The air bags deployed hitting me in the face making my glasses fly off my face. The horn was blaring. The person in the van in front of me got out to check to see if I was ok then quickly returned to her vehicle. She was taken away by ambulance, while I seemed to be ok. I later went to the doctor. I had bruises on my chest and was sore, but in the end I was ok. We had full coverage on the car. That means the injuries sustained by the other person was paid out by my Liability coverage along with the damage to her vehicle. My injuries was paid out by the Medical payments coverage on the policy. The damage to my car, was paid for by Collision coverage. I had to pay a deductible to have my car fixed but it was all covered.
Things could have been much worse. Had the airbags not deployed, I would have broken all my bottom teeth and my jaw. I am grateful for insurance, because it took care of all of the bills after the accident and all I had to pay was my $250 deductible.