Regular Car Maintenance May Help Lower New Hampshire Auto Insurance Claims

 

Whether you wish to sell your car or make sure it’s running properly it’s a good idea to periodically go through a maintenance checklist. The first thing you should do is check your New Hampshire auto insurance to make sure your policy is up to date and double check that your coverage is adequate for your needs. With that done, it’s time for a little maintenance and safety check.

 

  • Check your vehicle identification number hasn’t been tampered with. This is particularly important if you’re looking at buying a new car.
  • The engine shouldn’t look dirty or have a buildup of oil and dust. Get your mechanic to give it a full clean next time your car goes in for an engine check up.
  • When the engine is idling it should sound even with no rattling or irregular sounds.
  • Take off the oil cap while the car is idling. Obvious fumes may indicate worn pistons or cylinders.
  • The radiator coolant should look fairly clear; traces of oil in the radiator coolant may signify a leaking gasket.
  • There shouldn’t be any battery acid or corrosion on the battery or its platform.
  • Check the car has a spare tire, a tool kit and a working jack.
  • Check that all the lights are working and the bodywork is rust free.

 

When you’re driving your car make a point to check the steering and brakes are working smoothly. Listen to the transmission for rattles especially when going over bumps. Regularly going through a maintenance checklist may help keep your car performing safely on the road and may also lower the risk of an accident and a related claim against your New Hampshire auto insurance.

 

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The Importance of Disclosing Prior Accident History to a New Hampshire Auto Insurance Company

 

When researching New Hampshire auto insurance it is important to tell potential insurance companies if you have ever been involved in an accident and if claims were made to another insurance company. Even if the accident wasn’t your fault you still need to make your insurance provider aware of it.

People who don’t report previous claims are usually concerned about being charged higher premiums. Occasionally an applicant may honestly forget to disclose a minor accident or the insurance agent may forget to ask about your accident history, so you may not realize you should inform them.

Most insurance companies check the information you provide when applying for insurance and there is a high probability they will find out about an accident you have failed to disclose. An insurance company may deny you auto insurance if they discover you have intentionally concealed accident information.

In cases where the omission is unintentional, make sure you inform your insurance company as soon as possible once you realize your mistake. By submitting the information as soon as you remember it, most companies should be able to adjust your premiums and the positive relationship between you and your New Hampshire auto insurance company may not be put at risk.

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12 Days of Christmas Downey Insurance Style

Downey Insurance Group prides itself on providing personal service all year round, but we thought it would be fun put a little spin on one our favorite holiday classics to show our dedication to our clients. So whether you are a MA Insurance client of Downey or not hopefully you enjoy our version of the holiday classic 12 Days of Christmas. So, sing it with me now!

On the 12 Day of Christmas my Independent Insurance Agency gave to me…

12 Insurance Companies (Choices!)

11 Knowledgeable Customer Service Reps.

10 Discount options                

9 Commercial partners

8 Oops, I mean eighty year of experience

7 Claim hassles avoided

6 New England States covered

5 Best in Customer Service Awards!

4 MA registry trips avoided

3 Dedicated offices

2 Valued blog sites

And a faithful CEO named Charlie Downey!

I hope you enjoyed our version of one of our favorite holiday songs. Check out the real version here 12 Days of Christmas for a cute sing along version of the real song.

All I Want for Christmas 2011 Giveaway

 Downey Insurance Group wants to make your Christmas a little merrier this year by giving away a New Kindle Touch for the Holidays!   Enter our All I Want for Christmas 2011 Giveaway before December 22 for a chance to win.  It is super easy, make sure you have “liked” our Facebook page and leave a comment on the picture of the Kindle Touch of your favorite holiday memory. 

Giveaway Link: http://goo.gl/1J4oA

Latest Travelers Insurance Dog Commercial – Bring on the Puppies!

The Travelers Dog now has more to protect that ever in Travelers Insurance’s latest installment of their commercial series featuring an over protective canine.  Now with a wife and a brood of puppies to protect I am sure his doggy mind is reeling with risk assessment, as it should for any young family. An uninsured or inadequately insured tragedy can be severely damaging to a young family that is just starting out, potentially leaving them in debt or worse for years to come.  Homeowners Insurance, Life Insurance, Auto Insurance, Commercial Property Insurance and Business Insurance should be a cornerstone to the foundation of the life you are building together.  Know you have the best protection available by partnering with local professionals who have access to the markets you deserve as a consumer including Travelers Insurance.  Not with a 1-800-CALL CENTER.  Let Downey Insurance Group professionally manage your insurance needs, now and for life.