The John M. Glover Insurance Blog

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Texting While Driving? You Could Pay More For Car Insurance.

Thu, 09 Jul 2009 15:17:00 GMT

We all know that texting while driving is a dangerous. But were you aware that reaching for that falling cup or reaching for that napkin can drastically increase your crash risk. There are a variety of things that could distract you from driving safely.

Do you Drive While Distracted?

Sometimes, we are all guilty of distracted driving. There are times where we look away from the road for five seconds- long enough for a child to chase a his ball in front of your car, or a dog to pop in your path. Even changing the radio station, popping in a CD, or choosing a new tune on your iPod can make you take your eyes off the road long enough for mistakes to happen.

These are just a series of possible distractions you can be faced with while driving. How many times have you driven past someone reading a book while driving? Or putting on makeup? Or shaving? While you may never commit any of these driving "no-no's", they do happen, and they can put you, and every other driver on the road in danger.

Driving Distracted Can Increase Your Car Insurance Costs

When you are shopping for car insurance, you're driving record plays a large role in your insurance costs. If you have a good driving record, you will be viewed by insurance companies as a safe and reliable driver. Being a safe driver makes you less of a risk and can lower your insurance rates. A bad driving record can also have the opposite effect on your rates. Having accidents and tickets on your record can increase your rates and costs. And driving while distracted can increase the risks of accidents and tickets.

Look into your auto insurance options today. Visit www.johnmglover.com to learn more.

Tips To Help You Save on Auto Insurance

Thu, 09 Jul 2009 15:06:00 GMT

Shopping for auto insurance? There are a few things you should know…

Increase your deductable. Raising the amount you pay when you file a claim before your insurance company will decrease your annual insurance costs.
Revisit your insurance options. You have an older auto- do you really need collision or comprehensive coverage? If the amount you pay for your insurance is more than the worth of your car- consider just sticking to liability coverage
Buy a more conservative vehicle. Your auto insurance costs are influenced by the type of car you drive. If you choose a flashy car that is a target for theft, your auto insurance premiums will be affected.
Look into agencies that offer a low mileage discount. If you drive less than the standard amount of miles determined by you carrier, your may have the opportunity to pay less for your premium.
Have you recently moved? Different places have different insurance rates. Do some research- you may find that you could be paying far less for your auto insurance premiums after a move.
Make sure the information on your auto policy is correct. You may be surprised how often car models, years, and other valuable information may be incorrect on an auto insurance policy. Every piece of incorrect information on your policy may heighten your insurance costs.
Know your discounts! There may be more opportunities to get discounts on your auto insurance than you know of. Do your research! You may be able to save if you have multiple policies with an insurance agency, own multiple vehicles, are a college student, or are of a certain age.

When shopping for auto insurance, ideally would like to get the most coverage at the lowest rate. Check out The John M. Glover Insurance Agency. We are an independent insurance agency that works for YOU- not the national carriers. Visit our site to learn more about your Connecticut, Massachusetts, Rhode Island, New York, and New Jersey auto insurance options, or to get a free online quote.

Connecticut Recovers $519,629 from Insurance Complaints

Fri, 22 May 2009 15:08:00 GMT

The Connecticut Insurance Department recently announced that is has gained over $519,629 from insurance companies for consumers in the first quarter of 2009. The money was recovered from 304 complaints about claims, or other issues. Accident and health insurance complaints made up 40% of the total number of complaints and accounted for $215,350- a large portion of the total. Auto insurance complaints also raked in a whopping $86,593.

No matter how you slice it, the claims process is typically a rough one for both insurance companies and consumers. When you file a claim, it can take months- even years to get the monetary retribution that you thought your insurance entitles you to. And sometimes, after talked to a million people, and filing a ton of paperwork, the carrier you thought you trusted can deny your claim, making all your hard work mean nothing. Health and auto insurance claims can be particularly difficult. Because there can be an array of loopholes in your policy an accident or health issue that was beyond your control, may actually turn out to be your fault. Go figure.

Often, complaints tend to arise when policyholders feel they are left out of the loop. In order to avoid being kept in the dark, it may be better for you to opt for an independent agency. Independent agents work for you, and not the carriers- so if you have a relevant claim, they will be fighting for you- not trying to find a reason why you don't deserve reimbursement. And they are local- so if you are confused about your situation, you can drive to their office and bring your questions to your agent.

Although a variety of tips exist about speeding up the claims process, your best bet may be to choose to go independent. A great place to start is with John M. Glover Agency. We have offices throughout Connecticut and all over New England with eager agents who would be happy to have your business. Visit our Virtual Insurance Office now to learn more about your auto insurance and health insurance options.

You Are Now A College Graduate. Your Reward? Buying a New Auto Policy.

Thu, 30 Apr 2009 15:08:00 GMT

You are finally done. Four years of classes, studying, parties, and roommates are coming to a close as you prepare to graduate and enter the "real world". Receiving your diploma will mean that you are now as prepared as you can be to start the rest of your life. Or are you? In addition to getting a job, and living on your own, you should take another look at what you pay for car insurance- and how to get a cheaper rate.

There are a number of things car insurance can do to help you through the post-graduation years. Although you are legally required to have auto insurance, it would be a great thing to have even if the law didn't require it. Liability insurance that protects you from property damage and bodily injury is state-mandated. Liability insurance covers you if you damage a car, person, or property. Different types of car insurance can also be purchased to cover you if you are involved in an accident with an uninsured or underinsured driver.

You have purchased state-mandated liability coverage to protect you in case you cause an accident- but you have a variety of different options if you choose to purchase more coverage. You could buy collision insurance to pay for damage to your car if you are at fault in an accident, or comprehensive coverage to pay for damage to your car from things like storms, theft, and vandalism. If you're involved in an accident and end up totaling your car, you will be happy you decided to opt for collision or comprehensive car insurance.

Most students typically insure their car under their parent's policy. You may not know that you might have higher coverages and lower deductibles than you need by insuring your car through your parents. If you choose to purchase your own policy, you'll get a discount for already being insured and you can probably lower your costs by changing or cutting back on coverages that you don't actually want or need. Because you may have a cheaper car and fewer assets than your parents, you can get a lower insurance rate by increasing your deductable and slightly decreasing your coverages.

If you are searching for a new car insurance policy, the only way to know how much you can save is to shop around. One of the easiest ways to get quotes is to do so online. For an easy and fast quote, look to John M. Glover Insurance. With Glover Insurance's Virtual Insurance Office, you can get a free online car insurance quote right now.

Improving Workplace Safety: Tips for Employers and Employees

Tue, 14 Apr 2009 15:05:00 GMT

One of the best ways to improve the productivity and happiness of your employees is to provide them with a safe workplace. Although you may be confused as to how to best go about improving the safety of your work environment, it is simpler than it may seem. Here are a few quick tips that will go a long way:

Senior level employees- take notice! It is up to YOU to provide a safe work environment for your staff. Make it a primary goal to keep your workers safe and happy.
Make your workplace safer by bringing in insurance professionals and safety consultants. These individuals can provide you with safety tips, and point out hazards that you may have been unaware of.
Form a plan to attack current and potential safety issues within your environment. That nail sticking out of that door? Get rid of it before it hurts someone.
Educating your employees. Keeping them informed and up-to-date on workplace safety is necessary in reducing incidents and problems.

Above all, the best way to protect your workplace is through good business insurance coverage. To learn more about your insurance options or to get a free quote, visit www.johnmglover.com.

Protect Your Child with Auto Insurance

Tue, 31 Mar 2009 15:00:00 GMT

Senior level employees- take notice! It is up to YOU to provide a safe work environment for your staff. Make it a primary goal to keep your workers safe and happy.
Make your workplace safer by bringing in insurance professionals and safety consultants. These individuals can provide you with safety tips, and point out hazards that you may have been unaware of.
Form a plan to attack current and potential safety issues within your environment. That nail sticking out of that door? Get rid of it before it hurts someone.
Educating your employees. Keeping them informed and up-to-date on workplace safety is necessary in reducing incidents and problems.

Above all, the best way to protect your workplace is through good business insurance coverage. To learn more about your insurance options or to get a free quote, visit www.johnmglover.com.