Save up to an additional 30% on your Auto Insurance!

Safe drivers save money. RightTrack® rewards you for your safe driving by putting you in control of your policy savings. You can check here to see how much you can save on your auto insurance: Safeco RightTrack®

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How To Save Money On Auto Insurance

Photo by Alexander Mils from Pexels

We all are looking to find ways to save money. We don’t want to save money today by dropping coverages that we will need tomorrow. What is important and what are some ways to save money on auto insurance.

Watch this short video for a few options:

How to Save Money On Your Auto Insurance

Other things that can help with your auto insurance, in addition to what the video mentioned.

  • Good credit
  • Driving monitors for the first 90 days
  • Good grades
  • No lapse in coverage
  • Annual reviews of your policy with your agent
  • Vehicles with factory installed safety devices

Call us at (317) 886-0081 to discuss your options or go here and get a quote today: Get a Quote.

Please be safe out there!

Teen Driver Safety

As the parent of a Teen Driver you worry constantly. Did you properly prepare them for this huge step in their lives? Request our Parent-Teen Contract and sit down with your Teen Driver and go over it. This may be one of the most important kitchen table talks that you have with them. We will periodically send you other Teen Driver information to share with your young or future driver.

Visit HERE to request the Parent-Teen Contract.

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STUDY: ONE THIRD OF AMERICANS LIE ON AUTO INSURANCE APPLICATIONS

 

Most people agree that honesty is the best policy, but when it comes to filling out insurance applications, many consumers are willing to fudge the truth to get a better rate. According to a study from finder.com, an estimated 35 million Americans have lied on an insurance application.

Almost one in three (29 percent) of the people who have lied on an insurance application have done so for car insurance. That amounts to 10.2 million Americans who were willing to lie to get the best coverage for the road.

Following car insurance, false information is most likely to appear on applications for health insurance (22 percent), life insurance (21 percent), income protection insurance (8 percent), travel insurance (7 percent), home and contents insurance (7 percent) and pet insurance (5 percent).

More men lie than women, but women are more likely than men to lie on an application in five of seven categories: health insurance, income protection insurance, travel insurance, home and contents insurance and pet insurance. Men lead women when it comes to lying on car insurance and life insurance applications.

“Taking creative liberties on your insurance application may seem like an innocent white lie, but it’s actually considered fraud, and the repercussions can be serious. If found out you may be charged a higher premium, denied a policy or even charged with fraud, requiring you to pay a fine or even do jail time,” said Finder’s consumer advocate Rachel Dix- Kessler.

There are numerous ways to save money on car insurance. Let us help you with saving money on your car insurance. Call us at (317) 886-0081

 

Original Article

 

Introducing the Claims-Free Cash Back™ Reward

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To learn more, contact your local Safeco® agent, Scott Lynch at (317) 886-0081 or visit his website: Scott Lynch Agency

Ready to get a quote right now? You can run your own quote and tailor your coverage right here:

#auto #car #teendriver #insurance #saving #discount #claimsfree #reward #scottlynchagency #Indiana

Annotation 2019-02-21 121837
1Safeco will review policies twice a year. Customers must have zero claims reported on their Safeco Auto policy in the prior six months
in order to receive reward. 2Cash back amount is calculated based on current policy term written premium at the time of the reward.
3Available to 12-month Superior and Ultra auto policies in TN and MN. Terms and conditions apply. Insurance is offered by Safeco Insurance
Company of America and/or its affiliates, with a principal place of business at 175 Berkeley Street, Boston, MA 02116. The materials herein
are for informational purposes only. Nothing herein creates a contract. All statements made are subject to the provisions, exclusions,
conditions, and limitations of the applicable insurance policy. If the information in these materials conflicts with the policy language that
it describes, the policy language prevails. Eligibility is subject to meeting applicable underwriting criteria. To the extent permitted by law,
applicants are individually underwritten; not all applicants may qualify. Not available in all states.
©2018 Liberty Mutual Insurance
AP-5845/E 08/18

5 Trick-or-Treating Tips for Tweens and Teens

Eventually, tweens and teens reach the stage where they would rather canvass the neighborhood without any grownups tagging along. As they head out and about on Halloween to have fun with their friends, take time to talk with them about how to stay safe. Here’s what your son or daughter should know before heading out.

  1. Choose a routeMake sure they know the major streets so they can find their way home. Explain to visit houses with lights on, and to never enter the house of someone they don’t know for any reason.
  2. Talk about smartphone safety: If your teen has a smartphone, Halloween is the perfect time to have the extra talk about using these devices safely. Typing and scrolling while walking is a big no-no… especially on the roads after dark.
  3. Drive safeIf they’re borrowing the car, remind your kids that Halloween is a time when it’s especially important to be vigilant while driving at night. That means absolutely no texting and driving. Make sure they budget extra time to get where they’re going, just in case the hordes of trick-or-treaters cause a traffic jam in the neighborhood.
  4. Avoid the tricksThis one is trickier, because it’s not like your teenager is going to let you know if they’re up to some Halloween mischief – midnight pranks, vandalism or trespassing in a cemetery or abandoned house. Have a talk about the consequences and dangers, and consider a curfew.
  5. Host a gathering: If you don’t want to wonder about them, consider giving your teens and their friends a safe place to socialize and hang out at your place. You can go all out with decorations, food and costumes… or it can be something more laid-back, like a backyard bonfire with marshmallows and warm drinks.

Staying on the safe side can help you make sure everyone enjoys this ghoulish time of year. Happy Halloween!

Something that seems scarier than it is? Letting your new teen driver head out on their own. Call an insurance professional like a Scott Lynch at (317) 886-0081 or visit us online at www.lynchagency.com

Original Article

Win up to $10,000

Parents of teen drivers (or soon to be drivers) – Students who participate in Shift can earn points by watching, sharing and creating content. They can win up to $10,000 for their school and up to $1,500 for themselves in Erie Insurance’s Shift contest! Encourage your teen to take the safe driving pledge and compete in this year’s Shift contest. Visit jointheshift.org for more info. Or call us at (317) 420-2867

Things You Need to Know

 

The Hidden Cost of Car Ownership

When you think about the costs of owning a car, what do you think of – the gas, maintenance or maybe insurance?  Actually, depreciation is often one of the larger expenses of car ownership.

According to U.S. News & World Report, new vehicles lose value at an average decline of 15-25 percent each year during the first five years. And whether new or used, all vehicles lose value over time.  Since the rate of depreciation varies by vehicle model, it’s a good idea to take resale value into consideration when shopping for your new ride.

According to the experts at Kelley Blue Book, picking a vehicle with excellent resale value is very likely the most important thing you can do when it comes to keeping costs down.  Paying a fair price for the car and securing a good loan rate can be undone by poor resale value, because eventually you’re going to sell it or trade it in.

Cars that retain a higher value

If you’re car shopping this year, it appears that bigger vehicles are depreciating better. Trucks and SUVs appear in nine of the top 10 spots on the Kelly Blue Book 2017 Best Resale Value Awards. Per Kelley, while the average new vehicle will be worth about 33 percent of its original sticker price after 60 months, the top 10 vehicles on their list will return an average of 50 percent to their owners at resale time.

The Kelley authorities say that choosing a car with good resale value can often save you more money in the long run than going for big rebates and other incentives.

New cars that may lose value the quickest

To highlight the other end of the spectrum, Forbes magazine shared the results of a study conducted by the used-vehicle website Carlypso.com.  Among the top 10 vehicles expected to have resale issues were the Nissan Leaf, Dodge Charger, Volkswagen Beetle, Mitsubishi Lancer and Kia Optima.

A little research goes a long way

When you’re ready to shop for your next vehicle, it will pay to do some research on resale value before making an investment. Whichever new (or used) car you choose, Erie Insurance can ensure that investment is protected with a great auto policy at a great price. And we can help you take care of the depreciation issue, too, with a coverage endorsement that provides true replacement value if you have an accident.

It’s called New Auto Security, and you can ask your agent to add it to your ERIE auto policy. If you’ve had your new car less than two years and it gets totaled, ERIE will reimburse you the cost to replace it with the newest model year. And if your new car is in an accident but it’s not a total loss, ERIE will pay to repair the vehicle without a deduction for depreciation.

If your vehicle is past its second birthday, ERIE will pay the cost to replace it with another vehicle of the same model that is two years newer. That means the coverage is good to have no matter what the age of your vehicle.

Reaching out to a local Erie Insurance agent  is a good way to start your research. He or she can explain the coverage details and get you a quote.

A vehicle is considered new when it is less than two years old and is owned by the original purchaser. Eligible vehicles must carry both comprehensive and collision coverage, and the policy deductible will be applied at the time of a claim. Insurance products are subject to terms, conditions and exclusions not described in this post. The endorsement is sold on a per-vehicle basis, not per policy, and contains the specific details of the coverages, terms, conditions and exclusions. Coverage is not available in all states. Please refer to our disclaimer and talk to an ERIE agent for policy details.

 

by Nancy Daniel on June 6, 2017

Uninsured-Underinsured Coverage

We speak your language. Why do you need uninsured or underinsured motorist coverage? Call us at (317) 420-2867 to find out why or visit us at Scott Lynch Agency

 

 

Auto Plus

Sometimes you want a little extra with your car insurance. The ERIE Auto Plus endorsement gives you those extras like transportation expenses and higher coverage limits. Give me a call to learn more. Visit Scott Lynch Agency

ERIE Auto Plus is not available in North Carolina. Ask your Erie Insurance Agent for details. Insurance products are subject to terms, conditions and exclusions not described in this advertisement.