Distracted driving is one of the most dangerous and deadly activities on the road. You certainly want to stay safe and focused while driving. With that in mind, follow these tips, courtesy of Epic Insurance serving Lees Summit, MO.
Put the phone away
Do not even have your phone out while you are driving. And certainly never use it while driving. If you do need to use it, pull over to the side of the road, park and be in a parked position before ever using your phone. Disaster can strike even in a few seconds of using a phone while behind the wheel.
Map ahead of time
Trying to map out a trip, even a short one, and trying to coordinate all that while you are driving is essentially impossible and very risky. Instead, map out your route before you even start the car. You might find yourself feeling much more relaxed.
Avoid other distractions
Keep in mind that there are many distractions other than phones. Avoid all of those too. They can include changing the radio station, having conversations with passengers or trying to snack while driving.
Don’t drive while tired
Driving while you’re tired can be extremely dangerous. if driving at night makes you sleepy, only drive when it’s daylight outside. Pace yourself, and only drive for short periods of time at a stretch. Make sure you have had a good night’s sleep whenever you drive, especially when you are going to be driving long distances several days in a row.
You want to do everything in your power to keep yourself, your passengers and passengers in other vehicles as safe as possible. So implement these steps, and notice what a difference that makes. Safe Traveling!
Wonder what you can do, if anything, to your auto insurance rates in Lees Summit, MO? While there is no definite answer as every auto insurance company is different. There are common factors that most insurance companies use to determine your monthly car insurance premium.
The insurance professionals at Epic Insurance of compiled a list of the top five factors affecting your car insurance costs and the things you can do to help your premium.
Auto Insurance Factors
Most of the factors that go into auto insurance rates, you can’t do much about. But you can be a better driver, pay your bills on time and consider bundling your home and auto insurance as ways to save on your premiums. Here are things that may be affecting your auto insurance premiums.
Where you live
Unless you want to move to a new area, there isn’t much you can do about this one. Insurance companies view certain areas higher risk than others. Maybe it’s weather related like hail, or if the city is more accident prone, whatever the care you could pay more for places deemed riskier by the carrier.
How often you drive
The more you drive, the more you pay. Since you are commuting more and increase your chance of an accident, you could spend more than drivers who are on the roads less.
What you drive
Type of car you drive plays a role in how much your auto insurance rates are. For cars considered intermediate-performance, high-performance, or sports vehicles, and for rear-engine models, insurance companies charge higher rates.
How you’ve driven in the past
Auto insurance companies frequently look at claims history and if your driving record to gauge what type of driver you are. The more that shows up, the more could pay.
Your marital status
Studies have shown married couples to be safer drivers than their single counterparts. If you haven’t tied the knot yet, you could have higher insurance rates.
While every situation is different and based on the individual, the friendly staff at Epic Insurance would love to help Lees Summit, MO drivers understand their auto insurance better. Stop by or give us a call today!
Your car is a very important asset that may be a necessity and can also be expensive to purchase. Most people are aware that they need to have auto insurance on their vehicle, but they may not know if they have enough coverage. There are several factors that car owners in the Lees Summit, MO area need to consider when trying to figure out whether or not they have the right level of auto insurance coverage.
When you are first trying to figure out if you have enough auto insurance coverage, you first need to make sure that you are in compliance with the state laws. Missouri has mandatory levels of liability coverage that all drivers need to have. When driving on the road in Missouri, you will need to have liability property damage coverage of at least $10,000 and liability bodily damage of at least $25,000 per injured person with a minimum per-incident cap of $50,000.
Cover Your Vehicle
While the law does not necessarily require it, you will also want to make sure that your vehicle is covered in the event of an accident, theft, or damage. Ideally, you should have enough collision and comprehensive coverage to pay off any car loan that you have and to reimburse you for any equity that you have in your vehicle. This will ensure you are protected against a financial loss.
If you own a car in the Lees Summit, MO area, you should reach out to the Epic Insurance company to further discuss your auto insurance needs. The team at Epic Insurance will be able to work with you to determine what type of insurance coverage properly meets your needs to ensure you have the right type of coverage. They will then help you get into a great policy to give you peace of mind.
When searching for auto insurance you will want to find the best deal. While you may think that skimping on coverage is the best way to save money, that’s not the case. Keep these things in mind about getting car insurance when shopping for insurance at Epic Insurance.
Do Make Sure the Policy Reflects Current Needs
Many times, people get their policy and then just forget about it. Different situations could arise that require you to change your policy. Look at the current mileage and value of your car and see if anything has changed. Always make sure to keep your personal information updated. If you have gotten married or an advanced degree, you may be able to save.
Do Consider Collision Coverage
If your car is old, you may not want collision coverage because the insurance company would likely just consider your car a total risk. If you don’t have collision coverage, make sure that you have enough saved or put aside to use for repairs or on a down payment for a new car.
Don’t Get the Bare Coverage
While you have to get the required insurance for Lees Summit, MO, it’s a good idea to get a little more coverage so you aren’t on the hook for car damages or medical expenses and your other assets are protected.
Don’t Skimp on Coverage for Uninsured Motorist Coverage
If you are in an accident with someone who doesn’t have auto insurance, you will be on the hook for all of the expenses if you don’t’ have uninsured or underinsured motorist coverage. While it’s a requirement to have insurance, many people don’t in Lees Summit, MO and you want to make sure you are covered.
Contact an agent at Epic Insurance to find the right auto insurance for your needs.
Fall is a time to gear up for Thanksgiving and Christmas holidays. In all your planning, don’t forget to prepare your vehicle for cooler weather to come. Your vehicle should be in optimum condition for holiday travels and your insurance up to date. You can easily update your policy by contacting an Epic Insurance agent in Lees Summit, MO. Here are a few other ways you can prepare your vehicle for fall.
Have a mechanic give your vehicle a thorough inspection, checking brakes, tires, belts, hoses, and fluids. You don’t want to risk getting stranded out in the cold. A thorough vehicle inspection after summer will make it safer to drive in fall and winter weather.
Repair scrapes and scratches on your car’s finish before winter sets in earnest. Harsh winter weather will only make these worse. You can often fix minor imperfections yourself with an auto repair kit from your local auto shop. DIY repairs will save money and improve the exterior appearance of your car.
Fall’s a good time to check your tires for wear and tear. Driving with worn tires will increase your risk of accidents on icy Missouri roads. If you plan to drive extensively this winter, consider investing in a new set of snow tires.
Update Floor Mats
Floor mats often take a beating during summer due to extensive summer travels. Investing in quality floor mats will keep your car cleaner and protect your vehicle’s carpeting all winter long.
Prepare a Roadside Emergency Kit
Prepare a roadside emergency kit and keep it stored in your car. This kit could save your life in the event of a breakdown or accident in a winter storm.
At Epic Insurance, Lees Summit, MO, your safety on the road is our priority. Contact us for all your auto insurance needs.
Lees Summit, MO residents are no strangers to car accidents. If your car suffers damage in an accident, you may think your insurance policy will kick in to help cover repairs. Most basic insurance policies don’t cover repairs. If they do, they may only cover very limited circumstances. Here’s a look at how car insurance works when it comes to repair.
Know Your Policy
Don’t assume your car insurance policy will cover damage of any sort. You should know precisely what your auto insurance covers and what it doesn’t. Many people only have liability coverage. Liability will only cover damage to the other person’s car or injuries to their body.
Collision and Comprehensive Coverage
You typically need optional coverage for things like car repair. Your policy may already have a limited amount of collision or comprehensive coverage, but that may not cover your car for severe damage or a total loss.
Optional collision coverage will cover repairs to your vehicle or replace it. Comprehensive coverage will kick in if something outside of your control damages your vehicle. This can include things like fires, storms, and vandalism.
If you’re not sure if your policy already has some form of collision or comprehensive coverage, then ask your insurer, or contact Epic Insurance. You may find you have none at all. If that’s the case, you should certainly consider adding this additional coverage to your policy.
In cases where you’re still making payments on your car, the lender may require you to have collision and comprehensive coverage. Occasionally, such as with older cars, this type of coverage isn’t always necessary. For example, if you own a vehicle you can easily replace out-of-pocket, then paying for the extra coverage may not seem feasible.
Everybody’s requirements differ in Lees Summit, MO. Because of that, it’s best to contact Epic Insurance today about the possibility of adding additional coverage.
There are lots of things in life that seem unfair, and car insurance pricing is one of them when it comes to teens. Hands down, male teenage drivers are going to cost more on average to insure than female teen drivers in Lees Summit, MO and elsewhere. It is it a conspiracy against male teens? Not quite. Remember, insurance is about risk. An insurance provider offers protection from risk for a price. If the likelihood of that risk occurring is high, then the insurance to protect against it is going to be more expensive as well. While the cost won’t be the actual expense of the risk occurring (otherwise what would be the point of having insurance anyway) due to pooling customers together in a larger risk pool, higher risk customers create less profit for an insurer. So, to overcome this problem, higher risk accounts pay more than those who are safer, older drivers with experience, according to Epic Insurance.
So why are male teens considered a higher risk? A lot of it has to do with that age-old practice of dating. Male teens have a well-known streak of being competitive and interested in finding a partner at some point in their young years. And that means they will engage in behavior to impress, to compete for a favor, or to entertain to get a date. That also means male teens are more prone to do unsafe things than female teens, particular with a car, to meet the objectives of the above. Ergo, they then become a higher risk for accidents, car damage, and similar things that cause an insurance policy to realize a claim. That said, there are ways to find more affordable policies even for a male teen driver. The folks at Epic Insurance can help, being able to produce coverage products for all types of insurance needs, including Lees Summit, MO teenagers.
Missouri motorists may experience road rage when people drive aggressively or make mistakes. This behavior sometimes results in traffic accidents, fights and even gun violence. It’s crucial to learn how to avoid excessive anger and react to unruly drivers in a safe way. The right approach could save your life.
When road rage begins, people often make angry comments about fellow motorists or think about hurting them. They might try to punish other drivers by passing them before slowing down. Other symptoms include frequent horn use, headlight flashing and tailgating. It’s important to avoid such actions and use caution around motorists who exhibit this behavior.
Regardless of who committed the first traffic violation, road rage is usually brought about by certain types of conduct. Common triggers include yelling, obscene gestures and incessant lane changes. It could also occur when someone insists on driving too fast or slow. Such behavior may cause angry outbursts in people who are already under stress.
To avoid road rage, concentrate on safety rather than being right or "winning." Remember that you can’t read other drivers’ minds. There are several possible reasons for seemingly aggressive driving, such as inexperience, a demanding boss or a medical emergency.
Always do your best to follow all traffic rules. Don’t drink alcohol, send text messages or turn without signaling. Leave plenty of room between your vehicle and other cars. If possible, depart early so you won’t need to hurry. This will help you avoid provoking other motorists or becoming angry too easily.
When you can’t stop road rage from causing an accident, it’s vital to have adequate insurance. The experienced agents at Epic Insurance will help you find the right coverage or review your existing policy to ensure it offers suitable protection.
Riding an ATV can be an extremely fun experience, especially the more familiar you are with driving it. You will find that ATVs are able to explore much of nature that you can’t explore when riding in a car or truck. And while having fun on an ATV is most definitely one of the best ways to enjoy pleasure and bond with those you ride with, it must be remembered that there are many safety tips to follow to make sure you don’t have an accident. Here’s a quick look at two tips you can follow to optimize safety for first-time riders and steer clear of ATV accidents.
Go Slow at First
As with anything in life, the more you do it, the better you become. With ATV riding, this is essential to the safety-side of riding. You need to start out slow at first — in relation to both your speed and and willingness to travel on terrain that you are unfamiliar with. It’s with a simple ATV machine that you will enjoy learning to ride, and as you become more advanced, so can your ATVs.
Don’t Forget to File the Paperwork
Don’t forget to file your paperwork for your ATV. Just the same as with a car or truck, ATVs should be registered and information needs to be in a database. If an accident were to take place, the paperwork can be used to file claims with your insurance company. Without registration, you may find that you are unable to ride on public trails. In fact, even with registration you may have to pay a fee to acquire access to these fun ATV routes. The U.S. Forest Service, an agency working for the federal government, has seasonal passes available that help off-roaders save money.
Would you like to learn more about staying safe when riding your ATV? If so, contact Epic Insurance today.
Were you recently involved in an accident where the other driver left the scene? Or did you come out of your home or office to find that an unknown driver has damaged your parked vehicle? Either way, having the right level of insurance coverage is crucial to being able to repair your car during a hit-and-run situation. Here are three facts you need to know.
Your Policy Does Cover You Against Hit-and-Run Drivers
It is important to first note that your Missouri auto insurance policy does protect you against hit-and-run drivers—but you have to have the right type of coverage listed as part of your contract. Collision works to pay for your vehicle’s repairs, regardless of who is at-fault. However, this coverage is optional, meaning you have to add it at the time you purchase the policy for it to cover a hit-and-run accident.
Another important fact to consider is that those who utilize their collision coverage to pay for damage due to a hit-and-run incident will still be responsible for their deductible. This amount is paid directly to the body shop when repairs are complete.
You Could Possibly Get Your Deductible Back
If the other driver is ever found, most carriers will either bill the person directly or their insurance company for damages through a process called subrogation. As a courtesy, many insurance companies will try to recoup your deductible back for you during that time, but it is never a guarantee. So, there is a chance for you to get your money back—even though the chances are slim.
Having the Right Optional Coverages is Crucial
It is also vital to have the right optional coverages on your policy to make dealing with a hit-and-run incident easier. Rental reimbursement comes in handy by providing temporary transportation while your vehicle is under repair, while medical payments coverage could help take care of any healthcare costs associated with an injury.
Find out more about how auto insurance protects you from hit-and-run drivers. Please contact us today at Epic Insurance for a no-obligation policy review.