Are There Ways to Get a Lower Auto Insurance Rate?

When it comes to auto insurance, everyone wants the lowest rate possible. We all know that auto insurance is a necessity rather than an amenity or luxury. It’s something that everyone must pay if they want to drive a vehicle. Ideally, you will do all you can to make sure you are getting the lowest rate possible. Here at Bob Korvas Agency Inc. serving Niles, IL we have put together a helpful go-to guide to outline three ways you can keep your rates low. 

Shop Around for Insurance

First and foremost, you need to shop around for policies through different companies. It’s not uncommon to find various ranges of coverages at different prices from different providers. By shopping around, you get to see who can ensure you at the lowest rate. 

Consider Bundling Insurance Products

Many insurance companies will provide a steep discount on your premiums if you bundle various insurance products together. For example, you may be able to bundle your auto and homeowners insurance to get a discount. You’ll need to speak with your provider to see what types of bundling discounts are offered. 

Don’t Get Traffic Violations

Lastly, to get low insurance rates, you need to avoid traffic violations. And in the event you do receive one, you need to check and see if you can take a defensive driving course. Sometimes, this type of class can dismiss a traffic violation, like a speeding ticket, which helps ensure your rates won’t go up. 

If you would like to learn more about the various ways to get a low insurance rate, please contact Bob Korvas Agency Inc. serving the Niles, IL area today to learn more. 

What are Some Differences Between Auto and RV Insurance?

RV insurance has some similarities with automobile insurance, but it is also very distinct as well. The very first way the two types of insurance differ is in determining if you even need RV insurance at all. Niles, IL residents and those who live in Arizona, and Wisconsin do not need to purchase insurance for pop-up trailers, fifth wheels, and travel trailers, as these can be towed and are not able to run on their own power. Even so, RV insurance is encouraged, because these items can still suffer loss as the result of a storm, burglary, or vandalism, and your lender will usually require it as well. 

RV Insurance Carries Different Specifications

Your RV is a vehicle, but it is basically also a home you can live out of for various periods of time. Unlike car insurance, your RV coverage will take into consideration the size of your RV, and this is categorized into classes. Class A can be as long as 75 feet, and these include luxury coaches, buses that have been converted, and motor coaches. Class B describes travel trailers and camper vans, and Class C is for smaller vehicles, including fifth wheels and those where the camper extends over the cab.

You can, like with automobile insurance, obtain liability, comprehensive, collision, underinsured and uninsured motorist protection, but unlike with car insurance, you can also purchase coverage to protect your RV at campsites and while on vacation. You can obtain full-timer coverage if you live in your RV permanently, and you can buy protection to provide towing and other emergency services. 

Bob Korvas Agency Inc. Provides Experienced and Knowledgeable Service

The Bob Korvas Agency has served the residents surrounding the area of Niles, IL and can also write policies for RV owners in Arizona and Wisconsin. Contact us today, and speak to one of our friendly agents about how we can meet all your RV insurance needs!

How Does an Auto Accident Affect your Insurance Premiums?

There are a wide range of things that can happen from day to day that will affect your insurance premiums. One thing that majorly affects your premiums is an accident. So how does it affect your policy and your premiums? Keep reading to find out.

For those that live in the Niles, IL area, the agents with Bob Korvas Agency Inc. can provide even more information. For those that want a brief overview, accidents often raise premiums dependent on how bad they are and how much money the insurance agency has to pay out to resolve the claim. For those accidents that are little more than fender benders, your premium may never go up.

For major accidents where the insurance agency is required to pay out a substantial amount of money, your policy is likely to rise as are your premiums each month. In some cases, if the accident is bad enough, the agency might decide that you are too high risk and drop your coverage altogether. In these cases, it is generally going to be a very bad accident that results in major injury or death, either that or the driver is at fault because they are not driving safely or they are under the influence.

It takes a great deal to get an insurance agency to drop coverage but it can be done. In these cases, it is important that you take the time to find the right company when you need insurance again because accidents stay on your record for years and can continue to affect your premiums from one agency to the next. For those in the Niles, IL area, the agents with Bob Korvas Agency Inc. can help you find the right coverage even if you have had an accident.  

Driveway Accidents: How to Minimize Accidents When Your Car Is Parked

Stranded At The Drive-In…

If you drive long enough, it will happen to you.  We at Bob Korvas Agency Inc. located in Niles, IL have too much road worthy experience to tell you otherwise. The day will come when you come out to your perfectly and legally parked vehicle, and you will find that it has been involved in an accident. It doesn’t matter if you have parked at your local grocery store or on the road with lots of fast traffic, it will happen. Let us tell you how to avoid being "stranded in the drive-in, branded a fool" like the star-crossed lover in the classic film Grease. 

We Wish It Were That Simple

Wish it were as simple as that scratch or nick you notice that someone had left when they absentmindedly opened the door at the mall. No, we are talking about the real deal – an accident. What could you do differently?  

  • If you are parking parallel to a curb turn your steering wheel toward the curb. In this way, if you are hit by another vehicle while you are parked your car will not go out into traffic. It happens.
  • Put on your emergency brake even if you are not parked on a hill. This takes a little wear off of your automatic braking system and makes your car more solidly stationary. 

Auto insurance is not our only bag here at Bob Korvas Agency Inc. serving the Niles, IL and surrounding areas we would love to introduce you to our entire line of insurance products. Please stop by our agency to learn more about staying stranded-free in every area of your insurance life or to get a quick quote on unbelievably affordable insurance protection.  

 

3 Tips for Driving in the Snow in Niles, IL

It’s winter time in the village of Niles, IL and with winter time comes lots of outdoor fun that involves snow, snow and more snow!  From sledding in Centennial Park on Western Avenue to Ice Staking in Millennium Park to building snowmen in the front yard, Niles, IL can feel like a winter wonderland.

Until you have to drive in the snow.  Then it can suddenly feel like a winter nightmare no matter how experienced a driver you may be.  First of all, being nervous is ok. That means you’re aware that there is more danger on the road during a snowfall than on a clear spring day.  And to help you get from Point A to Point B without any mishaps, we’ve complied a list of tips for driving in the snow in Niles, IL.  

1.  Slow Down

When it starts to snow and you need to be behind the wheel, be sure to observe the speed limit and stay at or under what is posted.  Because you can’t always predict what the road conditions will be like – icy and slippery, for example – you will want to have extra reaction time to slow down in case of an emergency.  

2. Avoid Distractions

Activities like talking on the phone, fidgeting with the radio controls, or reaching for something to drink are all distractions that should be avoided when you’re behind the wheel. When it’s snowing, however, it becomes even more important to minimize distractions since the chance of an accident increases in inclement weather.  

3.  Avoid Aggressive Drivers

There will always be people in a rush, even during a snowstorm.  If you observe a driver who is driving too fast or aggressively, keep your distance.  Move out of the lane to allow this kind of driver to pass and let them get far ahead of you to ensure your drive will remain safe.

Driving in the snow doesn’t have to be nerve wracking.  Simply follow the tips outlined above and be sure you have adequate auto insurance coverage through Bob Korvas Agency Inc. Sometimes accidents do happen, whether or not it happens to be snowing.  At Bob Korvas Agency Inc. we work with you to select the best auto insurance coverage available in Niles, IL so you can drive with confidence, even during a snowstorm.  

The Importance of Good Working Windshield Wiper Blades

Do you ever think about how long your windshield wiper blades should last or how important it is to replace them in Niles IL?  It’s easy to forget about them in good weather, but they quickly become crucial when you need them.  They are there to remove snow, rain, dirt, or other things that may impair your vision with a push of a button, so don’t overlook them.

Wiper Blade Use

Windshield wiper blades are one of the most durable parts of your vehicle.  They endure extreme hot and cold temperatures outside the cover of the car.  They may sit for extended periods of time without use and then be needed for hours on end.  Yet, they are made of thin, flexible rubber.  Over time, they will lose flexibility, crack, split, or even shred apart and come loose from the wiper arm.  These issues can lead to poor visibility and damage to the glass. 

Time for a Change

Experts recommend changing the blades every 6 to 12 months depending on the material the blades are made of and the weather conditions where you live.  Regular rubber blades have the shortest lifespan, halogen-hardened blades last longer, and silicone blades have the longest lifespan.  You’ll know when they need replacing if they leave areas that are clearly not wiped or if they squeak or chatter during use.

Bob Korvas Agency Inc.

At the Bob Korvas Agency Inc., we have insurance agents ready to work to help you with your auto insurance in the Niles, IL area.  We want to make sure you have the coverage necessary in case you end up with unexpected damages.  To many, having a vehicle to get you around it vital, so make sure you’re auto is properly covered.

Questions To Ask Before Signing Up For Auto Insurance

Auto insurance can be very complicated and it can be easy to purchase more than you need. Before you start your search to find the ideal auto insurance policy to meet your needs, you need to understand what you are purchasing. These are the key questions Bob Korvas Agency Inc. knows you should ask when evaluating potential auto insurance policies.

Does This Policy Meet Minimum State Regulations?

Some states require that you have a minimum amount of coverage in order to legally operate your vehicle on the road. You will want to check the requirements in Niles, IL to ensure that you are staying compliant with all regulations and will not get into legal trouble by missing the mark.

Does The Policy Meet My Personal Needs?

Even if there is a state requirement for auto insurance, you may still want even more coverage. You should evaluate your needs and ensure that any auto policy you are considering will meet them. You do not want to purchase a policy that does not meet your personal auto insurance needs.

Is This a Good Quote?

You should never purchase the first quote you get. You need to shop around to find the best price with the best quality. A low price does not necessarily mean you hit the jackpot because the company may not have good ratings. You do not want cut rate insurance because you thought you found a great quote. Take a look at all aspects of the quote to make sure you found a good one.

If you need help finding the ideal auto insurance policy or want some quotes, be sure to contact Bob Korvas Agency Inc. serving Niles, IL. They are always available to assist you on your auto insurance search.

Choosing the Best Auto Insurance in Niles, IL

When it comes time to purchase auto insurance in Niles, IL, many people simply choose the cheapest option they can find. However, this is not always the best course of action. In fact, it may leave you with sub-par coverage and result in you having to pay out of pocket if an accident does occur.

Keep in mind, just because you are not buying the cheapest insurance coverage, it does not mean you have to break the bank, either.

Determine what You Need

One of the first things you should do is figure out the type of coverage you need. You also need to determine factors such as premiums and deductibles. Once you know what you can afford, you can begin searching for ways to reduce the cost of your auto insurance in Niles, IL.
 
Consider Insurance Discounts

Believe it or not, many insurance companies offer discounts to their customers. However, in many cases, you have to ask about these discounts to receive them. Some of the most common discounts that are available include:

·         Good driver discount
·         Good grade discount
·         Multiple vehicle discount
·         Multiple policy discount

Each of these things can result in you having to pay less for the coverage you need. Over time, many insurers even offer loyal customer discounts. Make sure to ask the insurer if you are eligible for any of these when you are buying your policy. If you don’t ask, you may not receive the discounts that are available.

Get the Insurance Coverage You Need

Driving a vehicle without proper insurance is not only unwise, but it is also actually illegal. If you need help determining the type and amount of coverage you need, contact Bob Korvas Agency Inc. today to learn more. When you are informed and have the help of the professionals, you can easily handle the insurance purchasing process. 

Frequently Asked Questions About Garage Doors and Homeowners Insurance

A garage door is a part of your home. However, many people are unsure if their garage door is covered by homeowner’s insurance or not. Here at Bob Korvas Agency, Inc. in Niles, IL, we want to help educate you on the questions you may have about this topic. Here are two frequently asked questions about garage doors and homeowner’s insurance.

Are Garage Doors Covered By Homeowner’s Insurance?

Unfortunately, the answer to this question varies based on the situation. If your home catches on fire and the garage door is damaged and needs to be replaced, the garage door would be covered by your homeowner’s insurance policy. However, if the door was not properly maintained and needs to be replaced, or it has simply reached the end of its lifespan, it is not covered and you will need to pay to replace the door out of pocket.

If I Back Into My Garage Door, Do I File a Claim with Auto or Homeowner’s Insurance?

The number one reason why a garage door needs to be replaced is because someone pulled into the driveway too far or backed out and hit the garage door. When this happens, you will want to file a claim with your homeowner’s insurance, as most auto policies don’t pay for damage done to your own property. However, if someone else hit your garage door, they may be able to file a claim with their auto insurance company. Likewise, if you hit someone else’s garage door, you can file a claim with your auto insurance company.

While you are thinking about your homeowner’s insurance, now is a great time to re-evaluate your existing policy and ensure it still meets your needs and is fairly priced. Give Bob Korvas Agency Inc, serving the greater Niles, IL area, a call today for a free estimate or to have one of our professionals ensure your current policy meets your needs.

 

How To Keep Your Car Clean in Niles, Illinois

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.