Keeping your car clean in Niles, Illinois is important for a number of reasons. For one, it just makes your car look better when you drive around town. For another, it helps the resale value of the car, as dirt and other gunk that cakes onto it’s exterior over time will wear out the paint and coating on the vehicle itself. However, the most important reason is for safety and to keep you from getting into an accident, as dirty windows and mirrors. When this happens, it can not only cause yourself or your passengers injury or worse, but also effect the cost of your auto insurance policy you took out with a local broker like the Bob Korvas Agency Inc. who serves the greater Niles, Illinois area. Below are some tips on how to keep your car clean in Niles.
WASH AND WAX AND REPEAT
Washing and waxing your car is obviously a way to keep it clean, but the idea here is to keep your vehicle clean for an extended period of time. So by washing and waxing your car on a regular basis, you will build up a coating of wax on the outside that will allow you to just spray the car off when it gets dirty over the next few months, saving you money in the long run. Exposure to rain, however, will cause the wax to break down more quickly!
OLD NEWSPAPER ON THE WINDOWS
With old newspaper and a solution of vinegar, rubbing alcohol and water, you can clean your windows better than you can with any rag or window cleaner on the market. Do this regularly to ensure your visibility is as good as possible.
BUY A HAND VACUUM
Cleaning the inside of a vehicle is one of the more difficult things to do yourself, unless you have a hand vacuum, which allows you to easily get into all those nooks and crannies and suck up dirt and dust whenever your car’s interior needs it.
Over the past holiday season, you may have been the lucky recipient of one of the newest brand of smartwatches to crop up. The Apple Watch, the Motorola Moto 360, Samsung Gear 2 are just a sampling of what’s now trending in the smartwatch marketplace. With the expense associated with buying one of these innovative gadgets, it’s important that consumers make a plan on how to best protect the product. You can buy insurance for your smartwatch at Bob Korvas Agency in Niles, Illinois.
Know the Classifications
When insuring a smartwatch, it’s important to know how the insurance company plans to classify the device. The introduction of the smartwatch had many insurance companies stumped over what exact classification to assign to the gadget. Is it a cell phone? Is it a piece of jewelry? Your insurer should let you know what coverage options are available based on their assignation.
What Does the Policy Cover?
One of the most important things to go over with an insurance agent is how the smartwatch will be protected under the policy. The policy may cover theft as well as accidental damage to the device. There may be restrictions on what type of damage is covered such as screen failure, battery failure, and liquid damage.
Unscheduled Versus Scheduled Personal Property
When categorized as an unscheduled personal property item on a homeowners insurance policy, a smartwatch is considered a watch over a cell phone or electronic gadget. In this scenario, you can have the watch protected by purchasing open-perils coverage. If scheduled under a homeowners policy, the smartwatch can be classified as jewelry. Agreed value insurance coverage is typically preferred over stated value coverage since the value of smartwatches depreciate just as rapidly as smartphones.
If you’re unsure about what type of coverage to get for your smartwatch, it’s always best to talk to an insurance agent first. The independent insurance agents at the Bob Korvas Agency serving the Niles, Illinois area can help you make an informed decision about insuring your smartwatch.