Auto Insurance

Autumn Car Care Tips

Posted on by agentinsure

There are various autumn car care tips that you should follow. Throughout autumn as well as winter, Oklahoma City is going to experience snow, ice, sleet, and colder temperatures. There are ways for you to prepare so that you don’t experience any car problems.

Find a Mechanic

Find a mechanic that you can trust. This can be a local one or the one that is at your dealership. This will ensure that you can go to have various things checked, including:

  • HVAC system
  • Defroster
  • Brakes
  • Tires
  • Battery

Set a Schedule

Set a schedule for when certain things need to happen. This includes having your air filter replaced, your oil replaced, and more. Depending upon the age of your car, you may need to have your spark plugs replaced as well.

Make Some Replacements

There are some replacements that you may want to consider so that you are prepared for autumn as well as winter. If it has been a while since you replaced your battery, you may want to add it to the list. Your wiper blade should also be replaced in the autumn so that it is capable of clearing the windshield as needed.

Use a Tire Pressure Gauge

It is a good idea to have a tire pressure gauge in your car at all times. Check the tire pressure to ensure that it matches what is recommended for your car – and this is found in the owner’s manual. You may need to add or subtract air from the tires in order to meet the ideal pressure as the temperature fluctuates.

Call us at FM Insurance today so we can talk to you about car insurance. Our independent insurance agents can help you to find a policy that makes sense in Oklahoma City. We work with some of the top insurance agents in Oklahoma to get you the coverage as well as the quotes to help you make the best decision.

 

Kansas State Insurance Shocker

Posted on by agentinsure

Although Kansas is considered a no-fault state for purposes of auto insurance, that doesn’t mean that fault isn’t relevant after an auto accident. No-fault only means that regardless of fault, injuries you might cause to somebody else in a motor vehicle accident are first considered under personal injury protection (PIP) coverage. If, and when, the threshold for that PIP coverage is exceeded, those your injuries are considered under the general liability provisions of your policy.

Kansas has one of the best mandatory minimum liability insurance laws in the country. However, it is still minimum insurance coverage. The required minimum does not fully cover any medical bills you might receive in an accident that was your fault. It doesn’t cover repair or replacement of your vehicle either. By riding on minimum insurance, you’re placing yourself and your personal assets at risk, including your vehicle itself.

We’re independent insurance agents and we live and work in the Wichita area. We’re established and trusted business people who give you honest and unbiased information and answers.

Because we’re independent insurance agents, we’re tied in with multiple insurance companies that compete against each other in efforts to give you the best auto insurance possible at the lowest rates. Agents working for national insurance agencies (or, captive agencies) are not able to find rates from other companies, whereas we work with several different carriers.

Cheaper insurance means more elbow room for you, so you can pack in better coverage like medical payments, collision, and comprehensive coverage without premium shock. You might even be able to bump up your policy limits too.

You don’t want to be underinsured, even if an accident isn’t your fault. Get an online quote from us, call us, or just stop in if your’e close. We’ll be happy to talk with you at FM Insurance, whether you’re buying a new vehicle or just shopping for better coverage and prices.