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A Few Tips to Save on Your Teen Driver’s Insurance Premiums!

July 21, 2010 Leave a comment

Insurance companies don’t exactly welcome young drivers with open arms; instead, they tend to greet new drivers with something more unwarranted like a chokehold.

The statistics confirm that young drivers, especially those under the age of twenty, are more likely to be involved in an automotive accident and therefore the insurance companies have deemed them ‘risky’.

As we all know, the term ‘risky’ is accompanied with high premiums, less forgiveness and lower tolerance.

At Al Bourdeau, we work hard to lower premiums and help young drivers to better afford their insurance.

There are a variety of ways that teenage driver cans lower their premiums.

First, most insurance companies will reward young drivers with high academic excellence by decreasing their premium. Students with high academic performance are viewed as responsible, and academically responsible students are assumed to be more conscientious on the road.

Driving a low maintenance car, those with smaller engines, 4 doors, and generally older in age, will help to decrease a premium. The installation of anti-theft and safety systems will also help to lower premiums.

Lastly, the participation in defensive driving courses can also help young drivers receive discounts on their premiums.

For more information contact Al Bourdeau Insurance Agency. Al Bourdeau Insurance Agency – Saving you money one policy at a time!

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The top five auto discounts that people forget to request!

July 13, 2010 Leave a comment

The top five auto discounts that people forget to request!

There are many policy discounts that are overlooked but could save you bundles of money! Have you heard about our:

Multi Policy Discount – If you have more than one policy with the same company you may qualify for the multi-policy discount and save as much as 25% on your premium!!

Group Discount – If you are a member of a group such as an alumni association, a federal credit union, teacher’s association, AARP, CPAs, etc., you could be eligible for the group policy discount!

Paid-in-full Discount – With many of our companies, if you pay your policy in full (usually 6 months or a year) you’ll receive a substantial paid-in-full discount!

Loss-Free Discount – Many companies offer a Loss-free discount (up to 15%) that rewards its customers that have not had any losses in the last 3 to 5 years!

Good Student or Distant Student Discount – Some companies reward discounts to students with high academic performance or offer discounts to students that attend school more than 100 miles away from home.

Call Al Bourdeau Insurance Agency today to review your policies and learn if you’re eligible for any of these discounts!

Categories: Did you know? Tags: , , ,

Obese Men – More Likely to Survive Car Crashes!

With all the risks associated with obesity such as increased risk of kidney stones, heart failure, cancer, and many others, it’s not looking good for the big guys, but finally we found ONE benefit of being overweight.

Recent studies have shown that men with BMIs between 35 and 50 are more likely to survive a car crash than men with BMI’s between 15 and 18.4. For those that are unfamiliar with body mass index, also known as BMI, it is a calculation based on height and weight that is believed to correlate with the amount of body fat one possesses. A person with a BMI of 30 or more is considered obese.

A recent study showed that seat-belted men with a BMI between 35 and 50 are 22% more likely to survive a crash than seat-belted men with a BMI ranging from 15 to 18.4. However, if the seatbelt is removed from the equation, obese men are 10% more likely to die than ‘skinny’ men due to the extra “mass and momentum.”

Unfortunately for obese women, they do not benefit what-so-ever from their extra pounds in the event of a car accident. In fact, belted obese women are 10% more likely to die in a car crash than belted women with a BMI ranging from 18.5-25.9 (this is considered the ‘normal’ range). There are no statistical differences among BMI categories when a seatbelt is not worn.

Source: http://www.insure.com/car-insurance/fat-guys-survive-car-crashes-better.html

Categories: Did you know? Tags: , , ,

Txt Bck L8tr – Michigan No-Texting Laws Go Into Effect July 1st

June 22, 2010 Leave a comment

The State of Michigan is Disarming Mobile Fingers!

To all text-messagers:

On April 30th, Governor Jennifer Grantholm signed the no-texting-while-driving legislative package into law. The package includes HB 4394, HB 4370, and SB468.

 HB 4394 (the principle bill) outlaws text messaging by all motorists. It is considered a primary enforcement law which discloses that the police are permitted to pull over drivers for this offense alone.

 HB 4370 is a companion bill to HB 4394 and specifies that no points will be added to a driver license for a violation of the text messaging prohibition.

SB 402, another texting-related measure, specifies that violations of the text messaging ban are not to be recorded on the driver’s master record.

Penalties include a $100 fine (first offense) and then $200.

Not only are driver’s urged to ‘click it or ticket’, now, we urge drivers to ‘Txt Bck L8tr… It’s The Law!’