How to Keep Your Tires in Good Condition

Your vehicle tires can be compared to shoes. Your car can’t run properly unless its tires are in good condition. While it’s easy to forget about the needs of your tires, doing so can cause a chain of reactions that can endanger the performance of your vehicle and the safety of you and your passengers. Your insurance representative at Bogden Insurance Agency serving Berlin, CT, wants you to learn how to keep your tires in good condition.

How to Keep Your Tires in Good Condition

Rotate Tires Regularly

Tires wear differently depending on where they are in your vehicle. The turns you make, the way you drive and road conditions are all contributing factors to how your tires wear down. The rule of thumb is to have your tires rotated at least once every 5,000 to 8,000 miles. Talk to your auto mechanic for more detailed guidance on your best tire rotation frequency.

Keep Tires Properly Inflated

Check your tire pressure regularly. You can do this yourself with a handheld tire gauge or a gas station using their equipment. Your vehicle mechanic can also do this for you. Driving on over or under-inflated tires causes unnecessary wear and tear on tires, making them wear out before their time.

Maintain Proper Wheel Alignment

Tires that are not properly aligned cause uneven and rapid tire wear. You may end up with a tire that has barely any wear on half of it while the other half is showing threads. Have your alignment checked if you notice uneven wear patterns on your tires, your steering wheel is off-center when driving straight, or your vehicle pulls to one side.

Consult With Us

When your tires are in poor condition, they are more prone to sudden failure and unexpected response. For instance, balding tires are more susceptible to hydroplaning and skidding. For information about auto insurance or assistance with a claim, contact Bogden Insurance Agency serving the greater Berlin, CT region.

Will my auto insurance cover the replacement of the transmission in my old car?

Auto insurance provides many beneficial forms of coverage for drivers. From liability coverage for accidents where you’re at fault to protection from unforeseen situations like flooding and theft, car insurance offers many coverage options for drivers. However, car insurance doesn’t cover everything. There are circumstances where auto insurance wouldn’t cover an incident or situation, and you may have to pay out of pocket for these types of situations.

Our team at Bogden Insurance Agency is committed to helping Berlin, CT residents get the coverage they need.

What does auto insurance cover?

Auto insurance provides drivers with a wide variety of different coverage options. Most states require drivers to carry auto liability insurance which covers any property damage or injuries you cause to others while driving. However, this type of coverage will not cover any damage to your car or any personal injuries you sustain in an accident.

Collision coverage covers the damage your car sustains in an accident as well as any personal injuries you may sustain as a result of an accident. Comprehensive coverage covers non-moving accidents. For example, if a tree branch falls on your car, comprehensive coverage will cover the repair or replacement of your car.

Theft, vandalism, and damage from inclement weather conditions are also examples of situations that are covered by comprehensive auto insurance.

Will my auto insurance cover the replacement of the transmission in my old car?

Maybe. If your transmission is damaged as a result of a covered incident or accident, your collision car insurance will cover the repair or replacement of your transmission. However, if your transmission fails on its own due to normal wear and tear, your auto insurance will not cover the repair or replacement of your transmission.

Looking for Insurance in Berlin, CT?

If you have questions about coverage options when it comes to auto insurance, call us at Bogden Insurance Agency. We’d be happy to help you explore your options. 

When do You Need To Modify Your Insurance Coverage?

Having the right automobile insurance coverage is critical to help protect you from loss or various risks both on and off the road. Sometimes, however, you need to modify existing coverage to get the best solution for your situation. When you find it’s time to modify coverage, you can count on the experts at Bogden Insurance Agency in Berlin, CT to help you understand when it’s the right time. 

Modifying Insurance Coverages

So, there are times when you need to modify your insurance coverage. For example, if you purchase a vehicle and then make expensive modifications, you’ll want to look into getting more comprehensive coverage or even custom coverage. Additionally, if you have a vehicle that is more than ten years of age and has a value of less than a few thousand dollars, you might consider reducing your full-coverage insurance to the state minimum required coverage. 

Before modifying your insurance, however, you’ll want to speak with an expert insurance agent who can provide insight and suggestions to help you discover the best solution. They can work one on one with customers to analyze the current situation and suggest some modifications that suit their needs. 

Reach Out Today

Individuals with doubts about their current level of insurance coverage need to get the insight and recommendations necessary to optimize their insurance coverage to fit their lifestyle. Residents living in and around the Berlin, CT area should reach out to Bogden Insurance Agency to set up a consultation with one of our experts to get started assessing their current insurance needs. Each team member is committed to providing the best quality customer service and insurance products available. 

In-Depth Breakdown Of Auto Insurance Policies

Bogden Insurance Agency serves the Berlin, CT community and its surrounding areas. For over 10 years, we have helped our clients obtain coverage and protect what matters most. We are confident that we can help you find the coverage you’re looking for. We proudly serve as an independent agency. Working with multiple carriers across the East Coast allows us to offer our clients flexible coverage options.

In-Depth Breakdown Of Auto Insurance Policies

Auto insurance covers you as you travel around Berlin, CT and beyond. Operating a car can be dangerous at times due to the uncertain nature of road conditions, as well as the other drivers on the road. The policy covers your car if you are involved in an accident. Auto insurance assists with the necessary repairs to your vehicle. You are also covered if your vehicle accidentally hits someone and causes damage. Liability coverage also covers any medical treatment for an injured passenger. Comprehensive coverage protects you if your car is stolen or damaged due to a natural disaster or fire. You are also covered if your car accidentally hits a deer or some other animal while you’re on the road and damages occur.

While looking over your policy, you adjust it based on your unique needs. If you installed a custom engine, consider modified auto coverage. This type of coverage protects your vehicle against potential damages based on its new value. If you’re using your personal vehicle to perform work-related tasks, add commercial auto coverage. Another option to consider adding to your policy is uninsured motorist coverage. This type of coverage protects you if your car is hit by a driver who does not have coverage.

Bogden Insurance Agency Will Help You Protect Your Assets

Contact us today to learn more information about auto insurance.  

When Should I Update my Auto Insurance?

As our lives change, so do our insurance needs. Unfortunately, many motorists in Berlin, CT, don’t bother to update their auto insurance. Reviewing your car insurance ensures you pay the right amount of premiums, gives you peace of mind, and makes the claim process hassle-free.

But when should I review my auto insurance? While everyone’s auto insurance needs are different, you should update your auto insurance at least once a year. However, when the below situations occur, you should inform your insurance agent immediately. 

You have a new driver in the household

A few months ago, when you purchased auto insurance from Bogden Insurance Agency, you were the sole driver of your car. But now circumstances have changed, and you want to let your teenage daughter or son drive your car. 

While letting your teenage child drive your car is the right step towards achieving automotive freedom, you need to update your policy to avoid a nightmare when they cause an accident. Teenagers are deemed risky drivers, and thus, you should give your agent a call to update your policy.

You have converted your vehicle to a business vehicle

Suppose you have opened a new business. And because you are trying to figure things out, you start running business errands using your car. Whereas this is the optimal use of resources, you need to upgrade personal auto insurance to commercial auto insurance.

Purchasing commercial auto insurance is not only a mandatory requirement in Connecticut but also ensures you get compensation when your business vehicle is involved in an accident.

You are moving to another state

When you are moving from your current state to another, you need to update your auto insurance. Why? Different states have diverse auto insurance requirements. Given this reality, you need to inform your insurer when moving to another state to ensure you conform to the new state’s requirements. 

Need more information on updating your auto insurance? Don’t hesitate to get in touch with Bogden Insurance Agency for more insights. Besides, you can visit our Berlin, CT offices to talk to one of our agents. 

Why is liability an important coverage for all drivers in Connecticut?

Most primary insurance policies come with limited liability like home, boat, and auto insurance.  So, what’s so important about liability in Berlin, CT. Society today has become more litigious than ever before. You can be found guilty of just about anything. Liability is even more critical when you own a car because it shields you from financial loss when you cause an accident. Here are a few reasons why liability is important coverage for every driver.

The Connecticut law requires it

All Connecticut drivers must carry a minimum liability of bodily injury liability and property damage liability, and uninsured/underinsured motorist coverage. Both bodily and property damage ensure that you’re financially responsible for any damage or injury you cause to other motorists.

Protects you against lawsuits

The main reason to buy enough liability is to ensure that your premiums can pay legal fees in case you’re sued for a car accident that led to serious injury to another person. Bogden Insurance Agency recommends speaking to your insurance advisor to determine how much liability is enough for you.

Protects against injuries

Most accidents are associated with injuries, some of which can be severe. When you cause an accident that injures another or other people, you will be held accountable for their injuries. Your liability coverage will pay for their injuries, income loss, and other impacts like trauma and pain.

Protects against property damage

If you cause an accident that damages another person’s car, wall, home, or fence, you will be asked to pay for the damages. You might also get sued for these damages, and the fines can be hefty.

Looking to buy auto insurance in Berlin, CT? Experts at Bogden insurance Agency can help secure a customized policy just for you. Let us help you.