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Why You Should Shop For New Insurance Regularly

Auto insurance is a necessary part of owning a vehicle. You want to make sure that you have appropriate coverage based on state laws and your personal concerns. The challenge is balancing the coverage you need with the costs of protecting your vehicle. Comparing different insurance providers and policies may allow you to cut back on costs for the coverage that you need.

EVALUATING YOUR CURRENT POLICY & AVERAGE AUTO INSURANCE RATES

Before taking steps to find a new insurance policy, you want to evaluate your current coverage to determine what you need and whether the current policy meets your needs. Since your situation may change each year, you must ensure that your auto insurance coverage is still appropriate for your situation.

The average auto insurance rates for your vehicle may vary based on the type of coverage you select for your car. When you have collision coverage or comprehensive policies, you may find that your monthly costs are higher than the cost for basic coverage. Look into the current coverage that you have on your vehicle and make sure that it fits your current situation and your needs. You are then able to compare the average auto insurance rates for the type of coverage you select.

Generally, you want to have liability coverage, no-fault coverage, and collision coverage for your vehicle. You may choose to add comprehensive coverage to address concerns related to the weather, theft, vandalism or similar situations. Your policy may also include coverage to pay for rental vehicles after an accident and towing services. Look into the details of your current policy before you start looking into a new insurance provider.

COMPARING AUTO INSURANCE RATES EACH YEAR

The average auto insurance cost may change over time, so you want to make sure you are aware of current rates and different pricing from insurance providers. As a general rule, you want to compare rates on your auto insurance needs each year.

A key reason to compare and evaluate your options each year is the changes that may arise over time. You may have options to lower your rates when you switch to a new company. Changes to state and local laws, as well as changes to your personal situation, may impact your rates. It is particularly important if you have been in an accident, gotten a DUI, or have other factors that may increase your rates when you stay with the same provider.

Comparing your rates each year allows you to keep the costs of your auto coverage lower than the average rate. It also allows you to address changes to your life that may cause changes to your current policy.

FACTORS THAT IMPACT YOUR RATES

The average auto insurance costs based on a variety of factors. By recognizing the factors that may contribute to the costs of your auto insurance coverage, you are able to find the best policy for your needs at a fair rate.

Common factors that may impact your auto insurance rates include:

  • The type of vehicle you drive
  • Your driving history
  • Auto accidents on your driving record
  • Your age
  • Your gender
  • The number of drivers listed on the vehicle
  • Discounts that may apply to your insurance

The specific factors that may impact your rates can vary based on the insurance provider. Some insurance providers may offer discounts for good driving, a student’s grades, military service, or similar factors. In some cases, you may even have a discount due to driving fewer miles than average or working in certain jobs. Comparing insurance providers allows you to find discounts that apply to your specific situation.

WHAT HAPPENS WHEN YOU SWITCH POLICIES?

Switching policies is a process and you should be aware that insurance providers will look at your credit history. You may notice a short-term adjustment to your credit score from inquiries.

The process of switching your policies is simple, you find a new insurance provider, obtain coverage, and cancel your previous coverage. You may have a short-term overlap of coverage, depending on the timing when you cancel the original policy. Expect your original insurance provider to send confirmation that your coverage is discontinued, and make sure that you have proof of insurance from the new provider to avoid complications if an accident occurs.

Comparing car insurance policies and making a change on a regular basis allows you to maintain reasonable rates. The challenge is ensuring that you find the right policy to fit your needs and your budget. By looking into your options each year, your insurance coverage will keep up with changes to your life and situation. The key is regular inquiries, comparing your rates, and making changes to your policy when it makes sense for your life.

HONEST COLLISION REPAIR NEAR YOU

We are proud to have been serving the Greater Modesto Area. Contact Burnside Auto for an estimate for auto body repair.

Tips For Driving to Grandma’s For Thanksgiving

We know how exciting it is to get on the road for the holidays and relive your childhood through memories, good food and family. We also know that before you embark on that road trip, it’s a good idea to have your vehicle maintenance checked so you aren’t inconvenienced during your trip. Because let’s face it, expenses happen when we least expect it. Here is Burnside’s checklist to consider before you take your trip.

What Should I Check For? 

No matter the age of your vehicle, before that road trip to Grandma’s you should be observing your car for any maintenance needs, both big and small. Are you up to date on your oil change? Have you checked your tires? Are your taillights and headlights working properly? 

Remember, a little prevention goes a long way! 

The Maintenance Checklist

Tires:

  • Rotation: Make sure your tires don’t need to be rotated – unbalanced tires can wear unevenly and eventually impact how smooth your drive is. 
  • Have a Spare: It’s better to have a spare and not need it than to need a spare and not have it. Make your you equip your car with a healthy spare. 
  •  Air Pressure: Essential for a long drive, make sure your tires have a sufficient amount of air and are equal. 
  • Tread: Make sure your tire is free from bald spots or punctures. If you can have it repaired, do it before the trip. If your tire is irreparable have them replaced.

Fluids:

  • Engine Oil: Make sure that you are up to date on your oil change. 
  • Radiator: Check your antifreeze levels and make sure you have a sufficient amount for your trip. 
  • Brake Fluid: Critical and sometimes overlooked, having a sufficient level of brake fluid can make the difference in avoiding a crash. 
  • Transmission: Ensure your vehicle has a suitable amount of transmission fluid. 
  • Windshield: Don’t let the bugs take over your windshield! Make sure your windshield fluid levels are adequate so you can easily keep your visibility up while you drive. 

The Rest: 

  • Lightbulbs: Burned out headlights and taillights can be a safety risk, so make certain they function normally. While you are at it, inspect your turn signal lights and parking lights. You could also update to LED light bulbs for brighter light and reduced power usage. 
  • Air Filter: An inexpensive fix – keep your ride comfortable with cleaner air as you embark on your long trip and replace your filter. 
  • Belts and Hoses:  Have your vehicle inspected for any leaks and have them replaced. 
  • Battery:  Look to ensure the battery terminals are not worn away and that the +/- terminals are tightened. If your automobile starts slowly you might need to replace your battery.
  • Brakes:  Having the ability to stop your automobile capably is key in preventing collisions. Changing your brake fluid, replacing the brake pads, and obtaining new brake rotors could be needed to have a risk-free vehicle for your trip.

Burnside Maintenance 

Want to bring your car to us for an inspection? Feel free to call us and schedule your appointment: (209) 521-6570 or click here to send us your info https://burnsidebodyshop.com/contact/

Road Trip Ready! 

Now that you have your maintenance done, you and your family are ready to drive safely to Grandma’s! So enjoy the food, fun and festivities that is he holidays. 

5 Ways to Maintain Safety After an Auto Accident

It’s never a good time to have an accident, but, with the pandemic still in full effect, remembering to maintain personal safety measures is so important. Here are Burnside’s top recommendations for maintaining safe social distance practices while handling the aftermath of an accident. 

Assess Your Surroundings

Don’t panic! Take a look at your surroundings immediately after an accident. Determine if you are able to safely exit your vehicle. If the incident occurred in the middle of a trafficked roadway and if feasible, move your vehicle out of the way of incoming traffic. 

View the scene and call 911 if anyone, including yourself, is hurt. If authorities are called to the site, report the damages and answer any questions the officers may have. 

Practice Social Distancing 

Maintain a distance of at least six feet from the driver or their vehicular occupants as you process your damages and take down their information. To further enhance your health safekeeping, put on a face mask just in case your social distancing measures become compromised. 

Safely Capture the Facts

Use your mobile device to collect the facts: you can opt to safely take down insurance information and the other drivers contact information on your cell phone. While maintaining safe distancing, ask to take a photo of the drivers license, identification and insurance card. Make sure you also safely capture images of all damages you have incurred. 

Handle Insurance

When contacting insurance, ask them if they have a mobile friendly option in place to send incident information. Some insurance companies have created apps or programs to file and complete claims digitally to reduce the risks of spreading the virus. Take advantage of your smartphone and inquire when you can. 

Contact Burnside For Repairs

Burnside strives to reduce your stress following an auto collision as much as possible. That’s why if your vehicle requires repairs, we work with your insurance company, no matter who it is. If you obtained photos at the scene of the accident, we are more than happy to have a look to prepare for your visit. 

Burnside understands that accidents are stressful, especially in a pandemic. We hope these tips make handling the logistics of your accident less difficult.

How To Disinfect Your Car

wiping car interior to disinfect it

People everywhere are paying more attention to cleanliness than ever before. Let’s take a look at some ways you can disinfect your car so you can drive off with a peace of mind. 

Choosing the Right Interior Car Disinfecting Materials

Before you disinfect your car, get familiar with the cleaning agents that are available. Please keep in mind that the materials you would use for cloth upholstery can differ from what you would use on leather. 

Isopropyl alcohol is a popular cleaning agent that is safe to use on most interior surfaces. A proven disinfectant, it can remove many stains, residue, and eliminate bacteria. Isopropyl is not recommended for use on leather as it can deteriorate coating and remove dye from the material itself. 

Use isopropyl alcohol on areas that are frequently touched as you disinfect. These “high contact” areas can be a breeding ground for bacteria. Some common “high contact” areas include the rearview mirror, handles, and knobs.

It is not recommended to use bleach or hydrogen peroxide on any area of your car. Despite its disinfecting abilities, these agents can damage your vehicle’s upholstery. We recommend also avoiding ammonia based cleaners, especially on touch screen displays. They can damage the anti-glare and fingerprinting coatings. 

Disinfecting Leather Interiors

Ivory dish soap and water is more than sufficient to clean any leather interiors. This includes steering wheels, trim and seats. To avoid damaging your leather areas, we advise against scrubbing too hard. 

Alternatively, leather cleaners are efficient disinfectant agents as well. If you opt for a designated leather cleaning agent, make sure to use a leather conditioner as well to further protect your interior. 

Take an Extra Step

After you have finished disinfecting your vehicle, don’t forget to wash your hands before and after driving. This will help you keep your steering wheel and other frequently touched areas cleaner. 

Burnside’s Disinfection Measures

At Burnside Body Shop, we understand that you and your passengers come into contact with a lot. This is why we have established protocols to ensure your vehicle is properly disinfected. 

Our team wears gloves while handling your vehicle and changes them before working on another. We are doing our part to keep transmission of viruses and bacteria as low as possible. 

If you would like more information or tips on how to maintain your vehicle’s cleanliness, don’t hesitate to reach out. We are always happy to help! 

What to Do If You’re in an Accident

Pull Over After an Accident

If your car is functional, calmly pull off the road to a safe location. It is incredibly important to be safe at this point to avoid any additional accidents. If you need to protect the area or if you are out at night, road flares are a great option to use.

Call the Police and Exchange Information

You may call the police in order to file an accident report. While they are en-route, exchange information with the involved parties, such as the drivers, passengers and witnesses. Try to be calm and collected. It is extremely frustrating, embarrassing and angering to be in an accident, but if parties try to remain calm and communicative, the process will be much less painful.

Information to gather and share is:

  • First and last names
  • Phone numbers
  • Addresses
  • Insurance for cars involved

Ask for Witness Statements

If there was anyone who saw the accident, ask them for a summary of what they saw. Don’t forget to gather their information and provide them yours.

Talk to the Police

When the police arrive to speak to both parties, tell them exactly what happened. If you do not know or can’t remember, be honest and tell them that. If they ask if you’re injured, but you don’t feel pain, tell them you don’t know. Frequently, injuries do not manifest until hours later.

Make Your Insurance Claim and Call Us

After you’ve gotten home and made calls to your friends and family, file a claim with your insurance. After you get your claim, give us a call or fill out our estimation form on our website. In California, you have the right to choose your preferred body shop. Your insurance provider will offer their preferred collision repair and body shop, but you are allowed to choose Burnside. We can handle everything from the tow truck to the rental car. We will also handle any information with the insurance.

Your Vehicle is in the Shop

When you leave your vehicle with us, know that it is in safe hands. We will take care of your vehicle with utmost care. We also communicate with you through each step of the process and are flexible enough to communicate with you by your preferred method – call, text or email.

Need auto body work done now? Give us a call at (209) 521-6570 or fill out our estimation form on our website.