Life happens, and when it does your car insurance rates could go up as a result. There are things you can do to make them go down as well. The Hanneken Insurance Agency Inc. of Little Falls, MN can help you sort out your rates, and help you find ways to make your cost lower.
Insurance companies often check your driving record when it is time to renew. If there are speeding tickets or other moving violations, your rates could go up. More serious matters like a DWI will certainly make your rates increase. Minor incidents will go away eventually, but repeated offenses, like repeated speeding tickets, will only make matter worse. Other criminal activity, non-driving related, could also increase your rates.
If you are at fault in an automobile accident, that could also make your rates go up. Filing any kind of claim can increase your rates. Also buying a more expensive car, or a more high-performance car could also make your rates go up. As people get older their rates may go up. If your credit score declines, or if you move, are also factors.
On the other side, a good driving record can help keep your rates down. If you have teenagers, their rates may go down if they complete a safe driving course. Adding safety features to your car also helps and choosing a car that is not a sports or luxury vehicle will also help. Generally avoiding things that make your rates go up is the best strategy for keeping rates as low as possible.
Call or visit the Hanneken Insurance Agency Inc. today in Little Falls, MN to get the best insurance rates on your car. We are here to answer your questions and help you get the best policy for your situation.
Little Falls, MN, is a great place to raise a pet. We all want the best for our animal friends, so some forward-thinking individuals might wonder how insurance does and does not protect their pets. The experts at Hanneken Insurance Agency Inc. have scoured policies to give you a clear answer.
Your Pet Is Harmed
Homeowner’s policies typically do not extend coverage to vet bills or the well-being of your pet. While pets are considered personal property under some purviews of the law, it doesn’t include insurance. Pet insurances do exist, but they’re primarily geared towards covering financially valuable pets. This includes purebred dogs and exotic animals.
Your Pet Breaks Things
There’s a reason for that meme where cats are always pushing things off of counters. Pet-caused damage is a normal part of life. It’s not something that will usually be covered by homeowner’s insurance. That’s the policy that’s made for major stuff. So, even though your pet might lovingly break something you value, the home policy isn’t the one to insure it. You can look into alternative policies for pet damage.
Your Pet Hurts Someone
Pets actually account for a significant percentage of personal liability claims every year, even in Little Falls, MN. It’s a pretty standard part of home insurance, but you do need to check the fine print. Some policies exclude covering dog breeds with the highest incidents of bites, for example.
If you want to be 100-percent sure that you have the best insurance for your furry best friend, talk to your representative at Hanneken Insurance Agency Inc. They’ll help you craft a perfect insurance plan to give the best to all of your pets.