How to Compare Auto Insurance Quotes

Auto insurance is essential to take care of your bills when something bad happens to you or your car. You need to make sure the company that you choose will be there for you financially when you need them the most. HTK Insurance realizes that choosing which auto insurance company is right for you can be a daunting task, and where are here to help!

Auto insurance rates can vary by hundreds of dollars or more from company to company. While price is important, choosing a plan that is based on price can cost you in features and customer service. It pays to shop around to see what different companies have to offer. After shopping around, if you need assistance in learning how to compare auto insurance quotes, you have come to the right place!

Get an Accurate Quote

In order to compare auto insurance quotes, you need to make sure it is accurate. Before you start, make sure you have the following information on hand when shopping:

• Vehicle information including the year, make model and VIN.
• Annual miles and distance to work.
• Value of any custom equipment.
• Any type of alarm devices installed in your car.
• Driver name, occupation, gender, number or years licensed and driver’s license number
• Any accidents or violations in the past three years, with dates, who was at fault, if someone was injured and the claim number.
• Your current insurance declarations page to assure you are getting the same protection

Get More Than One Quote

There is a wide world of insurance companies out there, and they each have their own way of coming up with rates. If you only get one quote, chances are you are going to end up spending more than you would like to. Multiple quotes will allow you to make the right choice on your own terms.

The best way to understand the features and service a company has to offer is by contacting them directly. The customer service you get when shopping around is a good indicator of what to expect if you purchase their policy.

Read the Fine Print

Price is important, but there is more to consider than just the price of your auto insurance. Here are some other tips:

• Get your quote in writing and confirm the accuracy of each vehicle and driver you are insuring.
• Make sure your deductibles and coverage limits match your current policy.
• Be sure to ask about special features, such as emergency roadside assistance.
• Find out if there are additional membership fees.
• Ask if repairs are guaranteed for as long as you own your car.
• Check what type of payment options they have available.

 

Now that you are ready to go shopping, come visit us in Tinton Falls! HTK Insurance is happy to answer all of your insurance questions and needs. “Like” us on Facebook for more information on all of your insurance needs and our current deals!

Tips for Saving Money on Gift Giving

With the holiday season right around the corner, it’s time to finish up (or start!) your holiday shopping. Shopping during the holiday season can get pricey, but if you prepare ahead of time and do your homework, you can save a lot! HTK Insurance knows the importance of saving and wants to save you some money this holiday season with these tips for saving money on gifts!

• Use coupons! This is the easiest way to save money because most retail stores put out a lot of coupons during this holiday season. Also consider Groupon, which is a group coupon site that can generate great discounts for your holiday shopping.
• Browse discount codes. There are tons of discount codes online if you search for them, but you have to look!
• Try shopping apps on your smartphone. There are apps out there that will show you local sales and some where you can even purchase the gift right in the app!
• Ask for a price match. If an item is on sale at a different store, bring proof and ask for a price match.
• Stick to a budget. Make a budget before you go shopping and stick to it. When you start to waiver from your budget is when you start to spend money you shouldn’t.
• Consider buying one or two extra generic gifts. If you get an unexpected gift or invited to a last minute party you might end up running out and getting something and spending too much money.
• Buy discounted gift cards. When you buy online from places like giftcards.com you can save anywhere from 5%-30% off the face value of a gift card.
• Use social media! You’ll find that a lot of retailers offer discounts on their Facebook or Twitter pages exclusively to their fans and followers.
• Consider a secret snowflake or white elephant exchange. This will save you money because you’ll only have to buy one gift!
• Make a shopping list and bring it with you. Cross off people as you go. This will help to avoid forgetting people and also forgetting you already bought a gift for someone.
• Consider Black Friday and Cyber Monday deals. While the idea of shopping on Black Friday can be overwhelming, you do save a lot of money with the sales that day. If shopping from home is more your style, you can get Cyber Monday deals shopping online!

There are so many ways to save money during the holiday season, as long as your do your homework ahead of time! HTK Insurance knows how important it is to save money, especially during this time of year. With all the stress of the holiday season, HTK Insurance can make insurance easy for you! We offer commercial insurance, personal insurance as well as life and health insurance. ‘Like’ us on Facebook for more about us and to learn how we can help you!

Protect your Home with HTK Insurance Agency, Inc.

On August 27, New Jersey experienced the first hurricane to touch land since 1903. Many homes were flooded and some were even washed away. The effects of the hurricane were devastating for residents across the state. This is a good lesson for home owners. While the chances of this happening again might be slim, the chance is there and it is as present as ever. To protect your home from these damages, home owners need to have flood insurance. Here is some need to know information when it comes to protecting your home from flooding.

Even if your home is not in a “flood zone,” as you might have learned from the hurricane, that doesn’t mean it can’t happen. Government statistics indicate that approximately 25% of flood insurance claims come from areas outside of high-risk zones. Many homeowners resist purchasing flood insurance, but why risk your home and contents when you can purchase a “Preferred Risk “policy starting as low as $119 per year from HTK Insurance Agency, Inc.

If you have suffered a loss from Hurricane Irene or the tremendous amount of rain that followed, the Federal Emergency Management Agency has provided residents with information on how to handle flood insurance claims as well as tips and information for drying out including removing mold, finding a contractor and making repairs.

To be sure your home is safe in every way, speak to an insurance agent today to discuss the details of adding flood insurance coverage. For more tips and information on protecting your home, vehicle and family, “Like” HTK on Facebook.