Does Your Child Have a Job Delivering Food? Contact Us For Insurance Coverage.

Insurance for food deliver drivers in IndianaIt is great that your child has a job and is earning their own money. The modern world of convenience is offering us many new ways to get food and almost instant retail deliveries, but what you should know is that your standard auto insurance policy likely does not cover you for delivery type services.

Regardless of what you deliver, a personal auto insurance policy doesn’t provide coverage for paid delivery drivers. For this, you need a commercial auto policy.

A commercial auto insurance policy is needed for:

  1. Freight delivery
  2. Food delivery services
  3. Courier delivery services
  4. & many more!

Some people think that simply not telling their insurance company means they won’t be able to charge them the extra premium and that they will pay the loss. Don’t kid yourself. Simply not telling your insurance company that you or your child is using their vehicle for delivery does not mean they will cover you when a loss occurs using the vehicle. In fact, when it comes to insurance, it is a black and white coverage decision. Either there is coverage or there isn’t.

When deciding what coverage you need, ask yourself these questions:

  1. Who owns the vehicle you’re using for delivery? If it is owned by the company, they probably have a commercial policy. If you own it, you need to carry the right insurance.
  2. How are you using this vehicle? Delivery drivers need a commercial insurance policy.

Your best bet is to talk to a licensed agent in our office to discuss your insurance needs. Remember, simply not telling your agent or your company that you or your child is using the vehicle for delivery doesn’t mean you’ll be provided coverage regardless of any auto insurance claim you have to deal with.

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A New Year’s Checklist That Benefits Your Insurance Policy

Indianapolis Insurance AgentThe start of a New Year always energizes us to start off on the right foot. Whether it’s committing to spend more time with family, exercising more or saving money, New Year’s resolutions are common for everyone. But, what about your insurance policy? Is there something you can do at the start of every year to save money or keep yourself fully protected? We share four items to complete.

Actually Complete a Home Inventory Checklist

Sure, this is always easier said than done. But it doesn’t take as long as you may think. Plus, you would regret NOT doing this if you experience a disaster in your home. You can start by taking pictures of each room in your house. Always include your big ticket items like jewelry, art, electronics, antiques, furniture and anything else you highly value. Get into the habit of taking a picture of your receipts for big ticket items. To keep your home inventory list safe, store it on the cloud or save your documents on a zip drive that’s stored safely.

Keep In Touch With Us

Always keep us up-to-date with your life changes. Are you driving less? Did you remodel your home to add value? Did you purchase big ticket items? By keeping us in the loop, we’ll keep your insurance policy updated, make sure you are fully covered and may be able to find additional discounts.

Ask Us Questions

When you use a local insurance agent instead of purchasing insurance online, you get guidance and professional advice. Do you know exactly what your insurance covers? If you want the cheapest insurance plan, you may not realize what risks you’re taking by opting for less coverage. We never want you to be surprised if you have to file a claim and find out you’re not covered. Did you know if your home experiences a flood or an earthquake, you would need a separate policy to be covered? Continuously ask us questions. You should always know what you are and aren’t covered for with your insurance policy.

Always Ask Before Shopping Around

Did your auto insurance increase $300 this year? It’s normal to think you need to shop your insurance elsewhere. However, being a local insurance agent, we have MANY insurance companies to quote from and it may be as simple as asking us to shop around for similar coverage with other companies. Let us do the shopping for you! As an independent insurance agent, we can review your coverage and ensure you have the best company for your current situation.

By following the four topics above can keep you informed and prepared for any unfortunate situation.

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How to Save Money on Your Car Insurance

How to save money on car insurance in IndianpolisFor years we have all been flooded with auto insurance commercials talking about various discounts offered in the insurance industry for auto insurance. There are the standard ones: multi-policy, multi-vehicle, etc., but there may be some other discounts that drivers are not aware of. We have compiled some of the additional insurance discounts offered by various insurance companies. Could you be saving money with these discounts? Be sure to ask your local insurance agent about special discounts that may apply to your specific situation.  These discounts vary by state, so it is best left to a local agent to let you know which ones apply.

Possible Auto insurance discounts in Indiana:

  • Multi-policy: Bundling multiple polices like auto, home and boat with the same insurance carrier can save you some money.
  • Good or distant student: If your student keeps their grades above certain level (as designated by the insurer) they may be eligible for a good student discount. The insurance carrier will need proof, typically sending a transcript will suffice. If your student is attending college at a distant (typically more than 500 miles from home, but that varies by carrier) you may be eligible for a discount on the vehicle since it may not be driven as much.
  • Education level: Like an extension of the good student discount, drivers who hold advanced degrees, like a bachelor’s degree, may qualify for a discount.
  • Defensive Driver: Taking a carrier approved defensive driving course could earn you a discount on your auto insurance policy. Check with your insurance agent, as this type of discount may be limited to certain age groups.
  • Multi-vehicle: Like a multi-policy discount, insuring multiple vehicles with the same carrier may earn you a small discount.
  • Green vehicle: If you drive an electric or hybrid vehicle, you may be eligible for a discount. Ask your agent to see if your vehicle qualifies.
  • Anti-theft: Vehicles with anti-theft systems statically tend to be stolen less often, thus a lower risk. You may be entitled to a small discount if your vehicle meets the criteria.
  • Anti-lock brakes: The anti-lock brake feature is standard on almost all new vehicles. Check with your insurance agent to see if your carrier provides a discount for anti-lock brakes.
  • Safe driver (accident free): Many major insurance carriers will award safe driving discounts to drivers who have been accident free for a number of years. The criteria varies between insurance carriers.
  • Military: Active and veteran military members are often eligible for discounted auto insurance. Ask your insurance agent to see if you qualify.
  • Early quote/signing: If you are looking to change insurance carriers or upgrade your auto insurance, getting a quote (and signing up) before your current policy has expired may get you a discount. You may need to get a quote within a certain number of days prior to your policy expiration, so check with your agent.
  • Paid-in-full: You’ll see the discount reflected in the price when you are presented with your options for paying your auto insurance policy. Paying off the policy in full will cost you a little less than paying every month.
  • Paperless: Don’t want to get a paper statement? Great, you get a discount. Most major insurance carriers offer discounts for customers who choose to do automatic billing and receive emails rather than paper statements.
  • Loyalty: Sticking with your insurance carrier for three or more years could earn you a discount for every loyalty milestone you hit. Typically these rewards not only include a discount on the cost of your policy, they can sometimes include accident forgiveness!

If you have questions about your home, auto or commercial insurance, call the insurance agents at Multiline Insurance Agency. We have years of insurance experience and can help you insure everything from your home to your auto or business insurance. We live where you do and are an independent insurance agent, so they can help you find the right company to fit your needs. You can also check out their website, 24/7.

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