Winter Driving Safety: Navigating Cold Weather

Winter Driving Tips

Winter brings with it a set of challenges, especially when it comes to hitting the road. At Ashley Insurance, we understand the importance of Winter driving safety, ensuring you stay safe and secure during cold weather journeys.

Driving on Icy Roads and in Snow

Navigating icy roads and snowy conditions demands extra caution. Slow down, increase your following distance, and avoid sudden movements. Gentle turns and gradual stops can help you maintain control. Ensure your headlights are on to improve visibility, and be mindful of black ice, a common but nearly invisible hazard.

Preparing Your Car for the Cold

1. Tire Check:

Ensure your tires have suitable tread depth for better traction. Consider switching to winter tires designed for cold conditions.

2. Battery Health:

Cold weather can be rough on your vehicle’s battery. Check its health and replace it if needed to avoid unexpected breakdowns.

3. Fluid Levels:

Ensure your car’s fluids, including oil, windshield wiper fluid, and antifreeze, are at the recommended levels for optimal performance in the cold.

4. Wipers and Lights:

Replace worn-out wiper blades and ensure all lights are functional. Proper visibility is crucial during winter driving.

Driving in Sleet: A Unique Challenge

Sleet can be particularly tricky to navigate. Reduce your speed and avoid sudden movements. Use extra caution when braking, as sleet can create slippery conditions. If possible, delay travel until road crews have treated the surfaces.

Driving on Icy Roads

Insurance for Winter Peace of Mind

No matter how prepared you are, winter driving always carries some risk. Having comprehensive auto insurance from Ashley Insurance ensures you have the protection you need. In the event of an accident or unforeseen circumstance, you can drive with confidence knowing you’re covered.

The Benefits of Bundling Home and Auto Insurance

Also known as multi-policy or multi-line insurance, bundling home and auto insurance is when you purchase your home and auto insurance policies under the same provider. At Ashley Insurance, we strive to supply our customers with the best policies for their budget and lifestyle. Discover the benefits of combining your home and auto insurance with our team!

Why Bundle Home and Auto Insurance?

There are many benefits of bundling home and auto insurance. Here are just a few of the perks to the approach:

  1. Cost Savings/Multi-Policy Discounts – One of the primary benefits of bundling home and auto  insurance is the potential for you to save money. Insurance companies often offer various discounts to customers who bundle their policies. These discounts can vary but are generally substantial and can result in significant cost savings over time.
  2. Simplified Management – Managing your insurance becomes more convenient when you bundle policies. Instead of dealing with multiple insurance providers, policies, and billing cycles, you’ll have a single point of contact for both your home and auto insurance needs. This can make the process smoother and more efficient.
  3. Enhanced Coverage Options – Bundling may offer you access to enhanced coverage options that are only available to customers with multiple policies. These options could include higher coverage limits, additional endorsements, or better protection in certain scenarios.
  4. Reduced Coverage Gaps – When you have different policies with different providers, there’s a potential for coverage gaps or overlaps. Bundling multiple policies with a single provider can help minimize these gaps and ensure a more comprehensive coverage strategy.

How Much Does Bundling Home and Auto Insurance Save?

The amount you can save by bundling home and auto insurance policies varies depending on several factors, including the insurance provider, your location, your coverage needs, and your personal circumstances. On average, many insurance companies offer discounts ranging from 10% to 25% as a benefit for bundling home and auto insurance. However, these percentages can differ significantly based on the aforementioned factors.

How Do I Bundle Multiple Insurance Policies?

Get a quote and purchase more than one policy from the same insurance provider. Our agents can help you find the right one so you can start reaping the benefits of bundling home and auto insurance!

What Else Can I Bundle with Home and Auto Insurance?

According to your provider, you can often bundle home, auto, boat, motorcycle, renters, and other types of insurance into one plan. Ask your Ashley Insurance expert to explain all your options.

Get A Quote

Interested in further discussing the benefits of bundling your home and auto insurance? Get in touch with our team to get a free quote today!

How To Choose the Right Car Insurance Plan

How to Choose the Right Car Insurance Plan

At Ashley Insurance, we understand that choosing the right car insurance plan can be a daunting task. With so many policies and plans available, it can be overwhelming to decide which plan is best for you and your vehicle. That’s why we’ve put together a reliable guide on how to select the right car insurance plan. By following this guide, you’ll be able to compare your options, research insurance companies in your state, look for discounts and incentives, and much more. With the right car insurance plan, you can enjoy driving with peace of mind knowing that you’re protected from unexpected financial loss.

Find the Perfect Car Insurance Plan

1. Compare your options:

Before you make any decisions on which car insurance plan to choose, it is important to compare your options. Don’t just settle for the first or cheapest car insurance plan you come across. Instead, take a bit of extra time to research and compare different plans to determine which one best meets your needs.

2. Research the insurance companies that offer car insurance in your state:

When searching for car insurance, it is essential to research the insurance companies that offer car insurance in your state. We work with reputable insurance providers that offer comprehensive coverage at a reasonable price, ensuring that you get the best deal possible. By partnering with multiple insurance companies, we can provide you with a variety of coverage options, allowing you to choose the policy that meets your needs and budget.

3. Look for discounts and incentives:

Most car insurance companies offer discounts and incentives to their customers, which can help you save money on premiums. Look out for discounts for good students and good drivers who maintain a safe driving record. You can also receive discounts by driving a safe car equipped with features such as anti-theft devices, backup cameras, and lane departure warnings. Additionally, bundling your car insurance with home insurance can provide you with significant discounts. You can save even more on your auto insurance by paying your premium in full. Read our guide to buying car insurance for the first time for more tips.

Get the Car Insurance Coverage You Need

4. Get the coverage you need:

When deciding on the right car insurance plan, it’s important to get the coverage you need. This means understanding the different types of coverage available and determining which ones you need. Some common types of coverage include liability coverage, collision coverage, and comprehensive coverage. Our agents can help you figure out which types of coverage best suit your driving style.

5. Read the fine print before you buy:

Before you purchase a car insurance plan, it’s important to read the fine print. Make sure you understand what is covered and what is not covered. Don’t just focus on the premium. Pay attention to exclusions or limitations that may impact your coverage. Keep an eye out for restrictions on coverage, claims, and deductibles. Ask your Ashley Insurance agent if you have any questions about the fine print in your policy.

Get A Quote

At Ashley Insurance, we are committed to helping our customers find the right car insurance plan for their needs. We offer a wide range of auto insurance coverage options and discounts to help you save money on your premiums. Get a free quote on our website or contact us today to learn more about how we can help you find the right car insurance plan for you.

Buying Car Insurance For The First Time

You just bought your first car. The open road is calling your name. All you need now is the right car insurance plan. At Ashley Insurance, we happily serve guests of all ages and stages of life. If this is your first time buying car insurance, this is your go-to guide.

Buying Car Insurance for the First Time,

What You Need:

There are just a few things you will need to provide when you purchase your vehicle’s insurance. For starters, you will need to know about the different types of auto insurance you’d like to include in your policy. You will also need to provide some important details about your car, including the year, make, and model. Additional personal information and documentation will also be required:

  • Your valid drivers’ license
  • Date of birth
  • Address
  • Occupation
  • Marital status
  • Education level
  • Driving history
  • Insurance history

For future reference, your driving history affects your insurance rates. So does your location. While you may not have much control over the location factor, driving safely is the best way to ensure you receive the lowest possible rates after buying car insurance for the first time.

How to Buy Car Insurance for the First Time

Insurance Tips For First Time Car-Buyers

Anyone wondering how to buy car insurance for the first time could benefit from a tip or two. Here are just a few of the basics that will help you during the process:

  1. You can and should get insurance before you buy your car – All you need is the VIN (Vehicle Identification Number). If you already picked out the car you plan on buying, contact the dealership to find out the VIN and our experts will get you started.
  2. Cost varies – For first time buyers, car insurance typically costs slightly more than for experienced drivers. This is normal. Experienced drivers are considered at a lower risk level. As long as you drive safely, your rates will go down eventually!
  3. Compare quotes – All insurance companies are different. At Ashley Insurance, we offer great rates no matter your driving experience. Use our Get A Quote tool to compare rates across various insurance companies so you can ensure you are getting the right plan.
  4. Find out what is required – In some states, higher levels of insurance are required by law. Speak with our experts to create a plan with everything you will need. Skipping this step could leave you paying for unnecessary expenses.
  5. Purchase as much insurance as you can afford – While it’s not necessary for you to purchase every little bit of coverage, you should still try to make sure that your vehicle is as protected as possible. Our experts can help you figure out which types of coverage you may need. At the very least, those buying car insurance for the first time should purchase minimum liability coverage.
  6. Think carefully before changing your policy – Here’s a few ways you can intuitively time future auto insurance policy changes.

If you are a parent looking for tips on insuring your teen driver, click here!

Do I Need Insurance To Own A Car?

The short answer is, yes. In fact, car dealerships should not even allow you to leave the lot without car insurance. Dealerships aren’t as concerned if you are buying the vehicle outright, but those who are financing or leasing will often need to purchase comprehensive and collision coverage.

Car Insurance for First Time Buyers

Find the Right Auto Insurance Plan

Don’t let your car insurance cause you too much stress. This basic requirement is simple and affordable to acquire, as long as you have the right insurance company that is working for you. Contact the team at Ashley Insurance to hear about our low rates and receive more guidance about buying car insurance for the first time!