Many people who live in the Charlotte, North Carolina suburb of Matthews commute into the middle of the city on a daily basis. This can cost a lot of money in gas, even when oil prices are low. However, there are some ways to cut gas expenditures down significantly. Below are some tips for increasing gas mileage and reducing the amount you spend on gas on a daily basis when commuting from Matthews to Charlotte or anywhere else in North Carolina and beyond.

DRIVE AT TIMES WHERE THERE IS LITTLE TRAFFIC

While traffic is relatively unpredictable, try not to drive during rush hours, as the more time you spend idling in traffic the worse your gas mileage usually will be. The more you can be moving while in your vehicle, the better, as you will get farther on less gas.

TRY TO LIMIT AIR CONDITIONER AND HEATER USE

Using the air conditioner and heater will cost you a good amount of gas over time, especially if it is on full blast. So try to limit your air conditioner and heater use depending on the season in North Carolina and you will see better gas mileage results and ultimately pay less at the pump.

MAKE SURE TIRES ARE PROPERLY INFLATED

Tires that are low will slow the car down and significantly reduce gas mileage. It is also dangerous to drive with low tires as they may more easily result in a blow out at high speeds. So make sure your tires are properly inflated at all times.

BUY A FUEL EFFICIENT VEHICLE

Try buying or leasing another vehicle that is more fuel efficient, like a hybrid that gets double the miles per gallon most regular cars get. Of course, when you get a new vehicle it means getting new insurance to protect your investment, allowing you to see the monetary benefits over time of what you see at the pump. Check out JC Demo Insurance Group who serves the Matthews, North Carolina area for competitive rates.

Chances are you’ve been doing quite a bit of shopping for the holidays. If you really want to go big this holiday, you should consider buying a car as a present for a loved one. Unfortunately, buying a car as a present isn’t as easy as it is often portrayed. Here are a few tips that will help you buy a car as a present in Matthews, NC.

Paperwork

When it comes to buying a car as a present, there is quite a bit of paperwork involved. You need to put the title for the car in the recipient’s name. Chances are you already purchased the vehicle in your own name. Therefore, you need to fill out paperwork to transfer the title. You can refer to North Carolina’s Department of Transportation for more information about this process. However, if you plan on giving the car to your loved one at the dealership, you may be able to put the car in the recipient’s name to begin with. This will allow you to skip the process of transferring the title to the recipient.

You also need to have the vehicle registered with the Department of Transportation. There must also be an auto insurance policy for the car that meets North Carolina’s minimum requirements. JC Demo Insurance Group is one example of an auto insurance company that services North Carolina and may be able to meet your needs. 

Finances

You also want to keep finances in mind when it comes to buying a car as a present is finances. For example, you might have to pay a federal gift tax for the car. The cost of auto insurance should also be kept in mind. Therefore, it is a good idea to get an auto insurance quote from the JC Demo Insurance Group before you purchase the vehicle as a present to ensure that you make an affordable choice.

Parents of teens can all agree that one of the most fear-inducing moments of parenthood is watching a child drive away alone for the first time. Teenage driving is a time of anxiety for parents, and with good reason— the CDC reports that teen drivers are three times more likely to be involved in a deadly car crash than drivers older than twenty. One step parents can take to reduce car crashes is to make a mutual driving agreement, which clearly outlines safe driving habits.

How to Make a Family Driving Contract

Parents can make a formal, written pact with their teens designating the best driving practices, “house” rules, and family expectations. Just as when they were small children, teens also learn by watching parents’ actions, so the contract should apply to all drivers in the household including mom and dad. JC Demo Insurance Group offers 9 helpful tips on writing a safe driving contract:

1. Make sure the contract is written from a “we” point of view (i.e., We agree to wear our seat belts at all times in a moving vehicle)
2. Write all rules as concisely as possible (We will never text while driving)
3. Indicate how many passengers are allowed in a vehicle 
4. Specify how to react if alcohol becomes involved
5. Reiterate some of the more common driving laws
6. Suggest an expected response to an aggressive driver
7. List common distractions and how to avoid them
8. Leave room for adjustment—contract terms can change according to the family’s driving habits and that is okay
9. Agree to review the contract periodically

At JC Demo Insurance we care about the safety of all drivers, whether they are just starting out or have a few years under their seatbelt. Give us a call today for more information on making sure teens stay safe while driving.

Throughout North Carolina, there are a number of attractions. People come from all over the world for the national parks, the beaches, and even the major cities, such as Charlotte and Raleigh. Home prices can be affordable and the economy is strong because of the presence of so many large companies.

When you’re in the 28015 area, it’s important to look at automobile insurance. More importantly, you want to know about coverage so you can be well protected.

If you’re in a collision and it was your fault, then you are the one liable for the entire aspect of the accident. This includes property damage as well as any personal injuries.

Within North Carolina, the state mandates the minimum levels of coverage that you need to maintain on a policy at all times. This is the liability coverage. If you have $25,000 worth of coverage for property damage and the collision totals up to $50,000 worth of damage, the remaining $25,000 is not going to be covered by the car insurance and that’s because you don’t have the coverage. This means that the $25,000 that isn’t covered is your financial responsibility.

Liability is a big deal and therefore you need your automobile insurance policy to protect you. Increasing the liability on your policy isn’t as expensive as you may think. Doubling or even tripling the coverage isn’t going to double or triple the cost of your premium – and that means you can add a significant amount of coverage and only spend a little bit of money.

At fault versus no fault states determine liability differently. If you’re in a no fault state, then you would be responsible for what happens on your end with the collision and the other driver would be responsible for what happened on their end.

Either way, we have agents to help with coverage.

North Carolina is located on the East Coast of the United States. It offers mountains, beaches, and major metropolitan cities. It is situated right between the north and the south, offering a lot of charm and sophistication.

If you’re a resident of North Carolina, you want to make sure you have car insurance to stay legal while driving on the roads. There are a lot of details that go into the cost of a policy and when you want to add a spouse to that policy, it’s important to know the impact.

If you and your spouse currently have separate policies, it may be costing you a lot more. This is because you’re not qualifying for any discounts, such as multi-driver or multi-car.

It’s a good idea to work with an independent agent to learn about all of the options. We can talk to you about the coverage options and find quotes for you from the multiple companies. Whether both of you have policies right now or not, there are options to keep the costs down and we will explain them all when you call.

There are many good car insurance companies that write policies in North Carolina. Some will offer more discounts than others and that’s why we’re here. We have been working with the companies for a while and so we know which ones are going to offer you the best deals given your situation.

It doesn’t matter whether you are newlywed or you have simply been on separate policies up until now. When you want to add a spouse to your policy, it can actually be a good thing.

Contact us today and let one of our independent agents start finding you quotes to give you a great price on a policy.

Matthews, NC 28105 has the small town atmosphere, but it’s next to Charlotte. It’s pretty difficult to avoid Charlotte if you live in Matthews. When you drive in and around Charlotte, the risk of an accident increases like it does in any big city, and if it’s a serious accident, minimum liability insurance isn’t nearly enough.

North Carolina requires the operator of any motor vehicle on its roads to be financially responsible. Applicable law requires minimum liability limits in North Carolina of $30,000 per person in liability coverage, $60,000 of liability per occurrence, and $25,000 in property damage coverage per occurrence. Although that minimum liability insurance is better than in many states, it’s still not nearly enough, particularly if an accident is caused by an uninsured driver. That’s just one of the reasons why you want the benefit of an independent insurance agent. We’re not just insurance agents. We’re trained, experienced and trusted financial advisors who are looking out for your best interests.

Any insurance agents can give a quote, but many agents don’t place your best interests first. Your independent insurance agent is a member of your Matthews community. We have access to coverage from many car insurance companies, and we provide the advantage of giving objective and unbiased advice and service, even if you have a claim. We stake our reputations in our community on our service.

You’re planning on being around for a long time, and you want your insurance agent to be around a long time too. Customer satisfaction is our goal. That’s our key to doing business in our little community. The policies we sell aren’t one size fits all. We’ll find the best car insurance policies and quotes available for you. That’s our promise.

Matthews, NC 28105 has the small town atmosphere, but it’s next to Charlotte. It’s pretty difficult to avoid Charlotte if you live in Matthews. When you drive in and around Charlotte, the risk of an accident increases like it does in any big city, and if it’s a serious accident, minimum liability insurance isn’t nearly enough.

North Carolina requires the operator of any motor vehicle on its roads to be financially responsible. Applicable law requires minimum liability limits in North Carolina of $30,000 per person in liability coverage, $60,000 of liability per occurrence, and $25,000 in property damage coverage per occurrence. Although that minimum liability insurance is better than in many states, it’s still not nearly enough, particularly if an accident is caused by an uninsured driver. That’s just one of the reasons why you want the benefit of an independent insurance agent. We’re not just insurance agents. We’re trained, experienced and trusted financial advisors who are looking out for your best interests.

Any insurance agents can give a quote, but many agents don’t place your best interests first. Your independent insurance agent is a member of your Matthews community. We have access to coverage from many car insurance companies, and we provide the advantage of giving objective and unbiased advice and service, even if you have a claim. We stake our reputations in our community on our service.

You’re planning on being around for a long time, and you want your insurance agent to be around a long time too. Customer satisfaction is our goal. That’s our key to doing business in our little community. The policies we sell aren’t one size fits all. We’ll find the best car insurance policies and quotes available for you. That’s our promise.

Purchasing car insurance probably isn’t the highlight of your week, but it doesn’t have to be a headache. For residents of Mooresville, NC and the surrounding area, the process might be simpler than you’d expect.

Take the time to stop here and get a live price comparison from some of the top insurance companies, then go from there. Our experienced independent insurance agents would love to talk to you about your coverage options to help you find the best deal. These are some of our top tips to help you save.

1. Don’t settle for minimum coverage.

It might seem illogical to pay more per month for extra coverage, but purchasing insurance beyond required NC liability is really a smart investment that can save you from financial disaster in case of an accident.

2. Know your options.

The following are the most common types of additional protection North Carolina drivers choose to protect their vehicles and the drivers in their family.

• Uninsured/Underinsured Motorist: Protects you if you’re hit by a driver without adequate insurance to cover your property damage or medical expenses.
• Collision Coverage: Pays for damage to your own property (up to the limits specified by your policy) and for personal injury damages. Minimum liability coverage generally only covers those risks to other drivers with whom you’re involved in an accident.
• Comprehensive Coverage: Pays for damage to your vehicle that’s not related to an auto accident. Examples include wind or hail damage, vandalism, or theft of your vehicle or personal property inside your vehicle.

3. Read through your policy before signing.

Before you decide on a policy, talk to one of our agents about exactly what it does and doesn’t cover. Make sure you know what your deductibles are, and don’t agree to a deductible higher than you could reasonably pay if you were in an accident. Our agents will take the time to talk to you to make sure you understand what is and isn’t covered, so take advantage of that before you commit to an insurance purchase.

Car insurance is one of those things that gives back pretty much what you put into it. If you're living in Monroe, NC and you purchase the state minimum insurance you need to be legal, meaning liability coverage for bodily injury and property damage, you'll stay out of trouble with the law, but you may be really disappointed if you're in an accident and there's no coverage to pay for your own damages. Maybe you're leasing your car or took out a new car loan to get it and your finance company requires you to get comprehensive and collision insurance. This is better, but it still doesn't help you if you need roadside assistance or a rental car. Only you can decide exactly what coverage is right for you, but it may be helpful to contact an agent to explain the options that are available.

Whatever type of insurance you decide to get, you'll find that a little time invested to find the right policy, the right agent, and the best price can pay huge dividends. The dollar amount of coverage you need is based on the value of your car and the amount of personal risk you're willing to take on. Another choice you'll have to make is the amount of the deductible you want to have. The higher your deductible is, the lower your payment will be, but the more you will have to pay out of pocket when you make a claim. Maybe you can decide on what you need for yourself, but these are also things you can discuss with an agent.

When looking for an agent in Monroe, we hope that we will be your first and last stop. We will help you to shop for auto insurance by answering your questions, helping you to choose deductibles, coverage amounts and types of coverage. You can also compare live quotes on auto insurance right on our website.

 

 

Getting the insurance policy that you need for your car in Indian Trail, NC can be an important part of avoiding any unnecessary hassles or concerns. The plan that is best for your goals and your budget can be easy to find when an agent is offering information and advice about your options.

Determining Your Requirements

Your requirements can differ significantly from the state standards, which only require liability protection on every vehicle. You may want to purchase a plan that protects your personal vehicle or that will pay for any injuries that occur, regardless of the expense associated with the medical bills.

By evaluating your concerns, you can determine that coverage that you need to feel confident in a particular policy. Compare several options before you determine that a particular plan is appropriate so that you can address every problem that you have identified as a concern.

Getting Assistance from an Agent

The best insurance agents for auto coverage are professionals who will provide information that you need, quotes from the top insurance providers in the area and advice to help you make a final decision based on the details that you have provided and the concerns that you want to address.

Agents offer a few key services that help you find policies that are appropriate. Furthermore, you can ask any question that arises so that you are making the best choice and you can gain assistance if you need to make a claim in the future.

Getting a plan that is appropriate for your car can seem complicated, especially if you are still trying to determine the coverage that is appropriate, but there are options to help you find the best plan. To learn more about your options, contact us to talk to an agent today.