Having a new car is great, especially because if something goes wrong with it, you are covered by the warranty for a certain number of years.  But what if you own a used car, or if the warranty on your car is close to expiring?   Now there is a way to protect your vehicle in the event something goes wrong after the warranty expires. 

Mechanical breakdown coverage will protect your pockets in the event something happens.  The real saving is if you have something major happen to your car.  If the A/C goes out, the transmission breaks, or you have a head gasket leak, mechanical breakdown coverage can save you hundreds of dollars. 

Unlike an extended warranty for your car, mechanical breakdown coverage can be applied to all aspects of the car, not just certain parts, such as the drive train.  It also allows you to get your car repaired wherever you like instead of a required dealership. 

If you are interested in mechanical breakdown insurance, please contact www.aisinsurance for more information and a free quote.  AIS Insurance is able to shop many different coverage’s to get you the best possible rate.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

When you own a business you have assets and risks that need to be taken into consideration. You have worked hard for your business, and you need to make sure that it is protected.  If your business is located in California, the best way to protect yourself is to have the proper California Business Insurance.  You need to make sure that your policy is all inclusive and covers your employees, property, assets and vehicles that are registered in your company name.

If you do not have enough coverage for your business, your personal assets could then be put in jeopardy, risking what you have worked so hard to gain. 

AIS makes getting California business insurance quick and easy.  Our team of professionals will help you through the quote process to ensure that you have the right amount of coverage to fit your business needs.  Policies we offer can include many different coverages including some or all of the following:

• Commercial Property
• Business Auto
• Worker’s Compensation
• General Liability
• Directors and Officers
• Commercial Umbrella

When you speak with one of our representatives, providing them with accurate information is the only way to make sure that our agents can give you the best possible price.  Information such as type of business, size of building, number of vehicles, number of employees, and any other important facts that could help them to provide you with the best possible quote.  For more information please contact one of our agents today at 888-772-4247

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

Keeping your auto insurance policy updated is sometimes overlooked if people buy a new car, add a new driver or even move to a different state.  Neglecting your policy can cost you money if you are in an accident or the car is broken into or stolen.  Below are a few times in which you should make sure to update your auto insurance policy and ensure that you are fully protected.

• If you have a teen in the home who will be driving your car, they need to be added to the policy. While teen drivers may think they know all there is to know about driving, statistics prove otherwise. Teen drivers have the highest rate of accidents, and if you do not update your insurance, they may not be protected. Update your policy to ensure that your teen and car are fully protected.

• Different states have different laws and it is important to check with your agency regarding any necessary changes when you move. Depending on driving conditions, the type of driver you are, and other circumstances, insurance providers have different rates within different states.

• If you purchase a vehicle, whether new or used, you must alert your insurance company. While the price of the vehicle may be comparable to your old one, the premium might change based on the type of vehicle, age of the vehicle and even the trim level of the vehicle.

AIS Auto Insurance can help you with many of these circumstances.  If you are in need of a new policy or need to change your current AIS policy, please visit www.aisinsurance.com for more information.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

Be Prepared For the Road.

Summer is here, the kids are out of school, and the weather is beautiful.  What does that mean?  Road Trip!  Summer is an ideal time for vacationing.  With the price of air travel increasing, families are taking to the road to reach their summer-fun destination.  Your vehicle may be packed with bags, but have you remembered the safety essentials such as roadside emergency kits and quick repair tools?  One sure way to spoil a family vacation is by being unprepared when an unfortunate situation arises.

Before you hit the road this summer, ensure that you have the necessary items in your car to prepare you and your family for any issue that may arise while driving.  Here are some items to keep for your road trip preparation.

• Working spare tire and jack
• First aid kit
• Flashlight with extra batteries
• Jumper cables
• Extra Oil
• US map or atlas book
• Tools (lug nut wrench, assorted screwdrivers, adjustable wrench or multitool)
• Can of fix-a-flat

Assemble these items in a small duffel bag to place in your trunk.  You may already have many of them in your home or garage.  If you don’t have a listed item, you can find it at an automotive supply store or other locations like Target or Wal-Mart.  Once your kit is assembled you are officially ready to start your summer road trip!

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

One of the perks of owing a new vehicle is the warranty services that come along with it.  Most warranty services will include roadside assistance.  Roadside assistance can be beneficial if you need basic services while on the road.  If you get a flat tire and need help changing it, this is where your roadside assistance policy can help.  Also, typically included is limited towing service.  If your vehicle needs to be towed to a dealer, roadside assistance can make the arrangements for you.

If you don’t have a new car, but still would like the peace of mind that comes with having roadside assistance, you certainly add this service to your existing auto insurance coverage.  In most cases it will only cost you a few dollars extra per month, but it can be well worth it should you be in a situation where it is needed.    One tow could easily be more expensive than the yearly cost of adding roadside to your policy.

In some cases the roadside assistance plan that you add will be provided by a club such as the National Automobile Club.  Other perks of adding this coverage can include free maps, discounts on rental cars, travel links and more. 

If you need more information contact your insurance provider, or if you are in need of California auto insurance and would like to add this to your new policy, please contact an insurance professional at http://www.aisinsurance.com.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

Now that summer is almost here, many people will be starting to ride their motorcycles.  Before the bike comes out of the garage, it is important to make sure that it is insured properly.  Shopping for motorcycle insurance can be a daunting task.  You have to decide what kinds of coverages and limits you want to include. 

One way to find the best motorcycle insurance is to research many individual companies, receive quotes from each and determine which policy is right for you.  Many people don’t have the time to spend researching many different companies. 

Finding the right motorcycle insurance policy doesn’t have to be a highly time consuming event.  The Auto Insurance Specialists can help you with this problem.  Simply complete a quote request form and you will receive the rates of many top rated motorcycle insurance providers.  All you have to do is fill out one form with all of your information, and rate estimates comparing the same coverage are returned to you.  This system makes it fast and easy to get the best coverage at an affordable rate. 

If you plan to head out on your bike this summer and are looking for new motorcycle insurance, fill out a request form today and be protected once you hit the road.  Please fill out our free motorcycle insurance quote form to get started. https://www.aisinsurance.com/california-motorcycle-insurance-quote.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

When it comes to owning a new vehicle, there are two ways in which you can go about obtaining one.  You can buy it, or you can lease it.  Buying the vehicle means that you are purchasing it and once it is paid in full, you own it outright.  Leasing a vehicle essentially means that you are paying for the vehicle that you use.  So with a lease, you are not paying the full price just what you use during a set time period. 

When you buy a vehicle and don’t finance it, you must insure it, but only for state-mandated liability coverage.  Insuring the vehicle itself against collision or theft is up to you.  When you finance or lease a vehicle, since technically you don’t own it, you may be required to carry full or additional insurance to protect the dealer and the bank.  Dealers and banks can require that you carry more insurance to protect their property through the course of the lease or until the vehicle is paid off, in the event of damage or it being stolen. 

If you are in the market for a new vehicle, you will want to consider all of your options before buying or leasing.  It is important to check the dealer requirements and the cost of a policy if you decide to lease or finance a vehicle. 

For a free quote on protecting your financed or leased vehicle with auto insurance, please contact an AIS Insurance representative.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

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How many of us have stopped to think if we should take on the extra rental car insurance at the time of rental?  Many people don’t want to spend the extra money, but also want to be covered in the event of an accident with the rental car.  This leads to the question: “Does my current policy give me complete coverage in the event of an accident in a rental car?”  While the answer can be different for owners of different auto insurance policies, there are some general items you should take into account when whether deciding to purchase the extra rental car insurance. 

If you have full coverage on your car, there is a good chance that your current policy can cover you in a rental car.  Before you decide not to take the extra coverage from the rental car agency, read the fine print in your rental contract.  Some companies have very strict rules about how they operate and deal with your insurance company in the event of an accident.  In the long run, it still may be cheaper to purchase the extra insurance from the car agency.  Most rental companies have information online about how their insurance policies work and the services that they offer.

For those who may carry coverage such as personal injury and liability coverage, these do not cover damage, so when renting a car, the damage to the rental in an accident would not be covered.  If this is your situation, you will want to purchase the extra insurance provided by the car rental agency to ensure that you don’t have to pay for the full damage and labor of fixing the car.

Even if you do have collision coverage, you should know that it excludes things like diminution of value (the reduced value of a vehicle after repair) and loss of use (the lost rental value of the vehicle while being repaired), while the coverage you can purchase from the rental agency does include these items.

Before renting a car, it is best to check the details of your policy and the policies of the rental company you choose.  For more information about auto insurance products, (link to http://www.aisinsurance.com/california-auto-insurance) please contact a specialist at www.aisinsurance.com. 

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

After many years of selling California auto insurance, we have fielded numerous questions about auto insurance “myths” associated with them.  Below is a list of our favorite “myths” and what they actually mean.

I recently paid my insurance premium and purchased a new car.  This means that I am covered.  This is true up until a certain point.  You typically have a certain amount of time under the terms of your policy to notify your carrier of a new or replacement vehicle.  If you have purchased a car that is very different from your current model, your premiums could be significantly different.  It is always a good idea to contact your agent or carrier immediately to advise them of your new vehicle.

I’ve never been in an auto accident so I don’t need insurance.  While most are lucky enough to not have been in an auto accident, it is still imperative that you protect yourself, people in your vehicle and others sharing the road.  It is also illegal in all states to drive without auto insurance.

While these are our favorites, there are many myths about auto insurance.  If you have specific questions please contact a representative at AIS Auto Insurance(Link to homepage).

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.