Getting Your Vehicle Ready for Cold Weather

Believe it or not, it’s time to consider the outdoor temperatures are dropping and get your vehicle ready for cold weather. Here are some tips and a checklist, courtesy of Aussie Agencies serving Knoxville, IA.

Check your tires

It would help if you had stable tires in excellent condition to navigate wintry weather. So make sure you replace your tires if necessary before winter arrives. Also, get snow tires and tire chains installed if necessary. And make sure your tires are properly inflated all winter long.

Check your brakes

Get your brakes checked too, and have any necessary parts replaced before winter begins. Your brakes affect the safety of your vehicle during winter.

Check your windshield wipers.

Your visibility is essential to your safety and that of people in vehicles on the road around you. With that in mind, make sure your windshield wipers are in excellent condition and replace them before cold weather arrives if necessary. Also, ensure your windshield wiper fluid is topped off, and keep plenty of extra fluid in your vehicle at all times.

Check your battery

You do not want your battery to drain or fail during cold and wintry weather. Ensure your battery is in excellent condition; if not, replace it before winter arrives. Also, keep jumper cables on hand in your vehicle at all times.

Consider antifreeze and other equipment.

You might want to keep antifreeze and other supplies on hand as you prepare for winter. The more winter-related equipment you have to prepare yourself and your vehicle, the better.

With these tips in mind, you will be better prepared for the inevitable cold and wintry weather. For more information about winter driving safety and auto insurance, contact Aussie Agencies serving Knoxville, IA.

Benefits of Having Auto Insurance

Having a car is very convenient. It is a great investment for you and your family. However, just like any other investment, it needs special protection too, One of the most efficient ways to protect a vehicle is to purchase auto insurance. If you have never had auto insurance, Aussie Agencies serving Knoxville, IA prepared a list of its benefits:

What Are the Benefits of Auto Insurance?

Here is a list of advantages of having auto insurance:

  • If you are involved in an accident, you will have to pay less. One of the best things about an auto insurance policy is that it pays for repairs and damage by saving you a lot of money. 
  • It protects you in case of a lawsuit. If someone makes a claim against you in accidents, car insurance will help you. It will pay for all legal expenses and provide you with a legal defense if you need it. 
  • It is mandatory. In the state of Iowa, it is required to carry auto insurance if you own a vehicle. That means that driving a car without proper auto insurance is illegal and considered a crime. 
  • It protects your passengers. Most auto insurance policies include personal injury protection and medical payments coverage that may help you pay for medical bills if your passengers are injured in a car accident. 

 Aussie Agencies – We Help You Get a Policy You Deserve

If you are a car owner from Knoxville, IA or any other nearby town, and you are shopping for auto insurance to protect your car and yourself, Aussie Agencies is an insurance company that is here for you. We will help you find the perfect policy at the most competitive rate. Do not hesitate to visit our website or give us a call if you have any questions. 

Do I need to carry collision and comprehensive coverage

Car insurance can be a little tricky to get right. So many terms, so little explanation. You need to have what is mandated by the state but is that really all you need? Having an independent insurance agent that you can trust to steer you in the right direction is important. Aussie Agencies in Knoxville, IA is well established in Central Iowa and can offer you choices regarding auto insurance carriers. 

In Iowa, the simple answer is you do not need to carry collision and comprehensive coverage unless you are mandated to do so by your lender or lessor. The state of Iowa only requires you to carry liability insurance in the basic amount of 20/40/15, $20.000 injury per person with a total of $40,000 for an accident, and $15,000 for damaged property. 

This is all well and good, and it protects you from the result of an at-fault accident. But what about your vehicle? If you have an accident, your vehicle’s damage can be anywhere from a mere scratch to total devastation. How will you cope with that? If you have collision insurance, you will have to pay a deductible, but after that, the insurance company will pay for the repair. If your vehicle is not salvageable, they will pay you the book value. 

Hazards other than a motor vehicle accident can damage your vehicle. Things like storms, lightning, vandalism, and theft. That is where comprehensive insurance comes in. Glass coverage is also included, and there is no deductible on the glass coverage. 

Whether you are looking for your first auto insurance policy or would like your current policy reviewed at Aussie Agencies, we can offer you the benefit of our experience. Come by our office in Knoxville, IA for a no-obligation quote, and let’s work together. 

The Different Types Of Auto Insurance Explained

According to Aussie Agencies in Knoxville, IA, there are six major types of auto insurance, and they have been explained briefly here.

1. Personal Injury Protection

As its name implies, this type of auto insurance pays your medical bills after an accident. Some of them may also cover the expenses caused by injuries. For instance, your injuries may prevent you from being able to work for a few days, weeks, or months. This coverage may compensate you for the loss of income. 

2. Medical Payment Coverage

If your family members, friends, or anybody gets injured in an accident, in the insured vehicle, this policy covers their medical payments, whether they were behind the wheel or they were passengers in the vehicle. This type of insurance also covers medical expenses like the cost of visiting the hospital, surgery, or other bills related to the injuries. 

3. Collision Coverage

If you hit another car or an object, this insurance policy will fix the car or the object for you. It is concerned about the third party’s property. However, it must be established that you’re at fault before you make claims for this coverage.

4. Comprehensive Coverage

In the case of vandalism, hail, fire, or theft, this type of insurance will compensate you for the damages in your car. However, it has a deductible. That is the amount you must pay from your pocket before your insurance company completes the cost or refunds you for the covered part of the cost.

5. Under-insured or Uninsured Motorist Coverage

Not all the motorists on the road are fully insured. In fact, some of them are not insured at all. If you get hit by anyone without insurance, this type of policy may reimburse you for your medical bills and more. 

6. Liability Coverage

This is mandatory in most states. It pays a third party’s medical bill if you cause an accident. Also, it pays for the fixing of a third party’s property if you run into it with your car.

For more information on this, you can contact Aussie Agencies in Knoxville, IA.