Scurich Insurance Services cares about you having the proper coverage on your insurance policy. Contact any of the helpful and friendly agents at Scurich Insurance Services today with any questions regarding your insurance policy.
As seen in: Santa Cruz Live 7/11/2012 By Ramona Turner
There have been many questions raised as to why Cal-Trans replaced a concrete center divider on Hwy 1 between State Park Drive and Rio Del Mar Boulevard with another concrete center divider in the same location. Cal-Trans has made a statement saying that over the past 10 years Hwy 1 has been repaved numerous times to maintain a smooth road surface. With the surface of the road rising as a result of repaving the height of the barrier has decreased in size over the years making it unsafe for drivers, especially those with larger vehicles.
The old barrier was a type 50 and 32 inches high and the new barrier is a type 60 and is 36 inches high. The height of this new barrier will allow HWY 1 to have more overlays before it will have to be replaced with a new one. This means that this new concrete center divider that was put in will be able to be around for quite a bit of time before it will no longer be safe for divers.
It is a known fact that the type of vehicle you have the type of equipment it comes with is a big determining factor for insurance premiums. While is it known that certain types of car and what they come with can cause your insurance premiums to go up, having certain types of equipment on your vehicle can also cause your insurance premium to decrease as well.
Having a vehicle that has anti-lock brakes, daytime running lights, and ant-theft devices can all help reduce your insurance premiums. There are even some states that require insurance companies to give discounts on insurance premiums by having these things. Vehicles with a high crash test rating have been know to lessen insurance costs.
Raising your liability coverage from $300,000 to $500,000 on a car only costs on average an extra $60.00 a year for 2 cars. Knowing how much it could cost to treat serious injuries during an accident, raising your liability coverage is a good investment. It would also be a good idea to check your health or disability benefits to make sure you are not duplicating coverage that you already have. The last thing you can do is to find out and improve your credit score.
Scurich Insurance cares about your insurance policy with us. Contact any of the friendly agents at Scurich today with any questions regarding your Auto Insurance Policy or for a quote on a policy today!
There are many different reasons why people purchase new cars especially during the summer. Whether they are replacing an old car on its last leg of life or just buying a car for the first time there are ways you can get the most out of your money and obtain a good deal.
Similar to most other aspects in life, in order for you to get a good deal there are things you have to do first.
The first tip to get a good deal is to get an outgoing model instead of the newest one. In order for most dealers to be able to sale the new models they get in they have to sale the old ones first. Which means a better deal for the buyer.
The next tip is to have good credit. Having good credit means better interest rates on loans. By also having good credit means you will qualify for more deals as well.
Shop for a car that’s out of season like a car that will be good in the snow and that you will need later in the future. The last tip is to wait till school is in session because most people buy new cars to have them before school goes back you can get a better deal by holding off a little longer.
While shopping for Health insurance in CA, consumers everywhere should beware of disguised benefit plans. They are often called limited medical benefits or mini-med plans. Although they appear to offer comprehensive coverage, these plans actually might provide very inadequate compensation in the event of illness or injury.
The benefits provided by these plans are not nearly the same as major medical insurance or comprehensive health coverage. Mini-med plans and limited medical benefit insurance policies are usually advertised as inexpensive alternatives to major medical plans. The level of coverage offered by both options can be very low. With major medical plans, there are limits placed on how much a consumer must pay for specific treatments or incidents. However, there are no limits with mini-med plans. In addition to this, there is a cap amount allowed each year. Plan members are responsible for any expenses incurred beyond that amount.
Since health plans with limited benefits come in many forms, consumers must be careful while comparing options. If an individual signs for one of these plans experiences a major illness or injury, inadequate benefits can put that consumer in a difficult financial situation. While the benefits of these plans are not comparable to comprehensive coverage, they are often advertised as such. The following are signs of a limited plan or mini-med plan:
There are annual limits for what the policy covers.
The plans require association memberships.
They are often described as innovative or cost effective.
The premium offers are only available during the period of open enrollment.
There are no pre-existing condition exclusions.
Pharmacy and medical discount cards are often sold as insurance.
The companies usually make unsolicited calls or send frequent emails.
When shopping for Medical insurance in CA, consumers should always ask questions. It is important to know exactly what a plan offers before agreeing to the terms. To avoid the costly effects of signing up for an inadequate plan, be sure to ask an agent for the following information:
A detailed explanation of all benefits, exclusions and limits.
The full address and name of the insurance company’s underwriter.
A detailed outline of coverage provisions.
The agent’s full name, address and National Producer Number. Agents should be licensed in the states they operate in.
An explanation of what percentage of the monthly payment goes toward the premium and how much goes toward other fees.