Category Archives: Auto Insurance

10 Essential Winter Driving Tips

10 essential winter driving tips
Feel free to share these tips with your customers on social media or your website.
1. Winterize your vehicle - Check your battery, front and rear defrosters, fill up the washer fluid and antifreeze, inflate your tires to the correct pressure, and keep your gas tank at least half full to avoid frozen fuel lines.
2. Clear your windshield - Never pour hot water over the windows to melt the ice and snow. This will typically shatter the windshield. Use a plastic scraper to avoid scratching the glass and use the front and rear defrosters to melt the ice. Avoid using your windshield wipers until after all the ice and snow have been removed.
3. Don’t just clear your windshield - Don’t forget to clear all of the other windows, as well as the roof, hood, mirrors, headlights and tail lights, license plates and the exhaust pipe. This will prevent accumulated ice and snow from becoming an airborne hazard for other drivers.
4. Keep a survival kit in the car – Blankets, water-proof boots and gloves, hats, and any necessary medications should be carried in the car. Keep a small shovel, jumper cables, and something that could be used for traction (e.g. cat litter, sand, etc.) in the car as well.
5. Test your limits in a safe environment - Take your car to a familiar, empty parking lot near your home after a rain, snow or ice storm. Practice emergency stops and turning at a safe speed. Be sure and watch out for light posts, curbs and parking barriers to avoid any damage to your vehicle.
6. Warm up the car the right way - To avoid carbon monoxide poisoning, never attempt to warm up your car in an enclosed area. Even when outside, be sure to clear your exhaust pipe before running your car.
7. Pump your brakes at the right time – If your vehicle is equipped with an Antilock Braking System (ABS), you should depress the brake pedal completely and keep it depressed. The ABS will rapidly pump the brakes for you in most situations if at least one wheel is still turning. If all four wheels have stopped turning and the vehicle is still sliding on ice, you should pump your brakes as the ABS has failed.
8. Drive in the existing tracks – To help traction, try to stay within the pathway already dug by other vehicles’ wheels. If you end up stuck, remember to keep your wheels as straight as possible and don’t just continue spinning your tires. Spread sand or cat litter around your tires and along the path you plan on taking. In a pinch, you can also use your floor mats for traction.
9. Don’t turn while braking or accelerating - In rain, snow and ice, attempt to slow down before a turn and accelerate slowly after the wheel has already turned.
10. Catch a skid – If you do start skidding, stay calm! Don’t slam on the brakes, don’t hit the gas pedal. Turn your wheel smoothly in the direction that you intend to travel. You should be able to regain control of the vehicle once it has slowed enough to regain traction. Don’t turn the wheel too much, a little goes a long way and you don’t want to be pointed in a dangerous direction if traction returns suddenly.

Insurance Companies We Represent

At Ryan Hayes Insurance Brokerage, we’ll work with you to understand your unique insurance needs. We’ll follow up with many fine insurance providers to deliver high-quality, affordable insurance options tailored to deliver the value and coverage you’re seeking.

Call us today at 925-478-5903 to get free insurance quotes.

Some of our insurance partners include the following industry leaders:

Safeco

Travelers

Allied & Nationwide

Titan

The General

National General

Foremost

American Modern

Pacific Specialty

 

Ryan Hayes Insurance Brokerage is independently owned and locally operated to handle your insurance needs. We focus on Walnut Creek, CA and offer affordable and reliable insurance choices all across California.

Ryan Hayes Insurance Brokerage Call for a quote today at 925-478-5903.

Auto Insurance

Auto Insurance

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for you.

Insurance for cars, trucks, boats and more!
Ryan Hayes Insurance Brokerage can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too! www.ryanhelps.com for more information today!

 

California – How much auto insurance is right for you?
Based in Walnut Creek, CA, our team understands the auto insurance needs of our customers.

Auto insurance requirements vary by state. In some states, to drive you must carry:

  • Liability coverage – to pay for losses you cause others, or:
  • No-fault coverage – to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
  • Both liability and no-fault coverage.

We write insurance in California and would be happy to help you ensure you have the right coverage for where you live.

Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance (Other than Collision)

Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). And although it’s not legally required by any state, you will probably need it if your car is financed.

Every person is unique – Talk to us today to find out how to get the best price and value on auto insurance for you.

Ryan Hayes Insurance Brokerage: Call for a quote today at 925-478-5903

Liability Car Insurance

Liability Car Insurance

No matter how careful you may be behind the wheel, accidents can happen. Even minor fender benders can result in thousands of dollars in damage. Without insurance, you pay for damages both to your vehicle and any vehicles or property you damage. That’s why auto liability insurance coverage is so essential. Not only is auto liability insurance required by state law, it also places financial responsibility for damage caused by your vehicle on the insurance provider (once your deductible has been met).

What is liability insurance?

Liability insurance is usually comprised of 3 basic components:

  1. Bodily injury per person
  2. Bodily injury per accident
  3. Property damage

Each area has an upper-limit that your insurance provider is legally responsible to pay. For example, an auto liability insurance policy may cover up to $25,000 per person, with a per accident upper-limit of $50,000 in bodily injury protection. The bodily injury coverage will pay for medical expenses that result from an accident. Check with your local bureau of motor vehicles to find out how much coverage is required in your state.

The third component — property damage — covers damage to vehicles or property; it also has a coverage upper-limit. Your specific auto liability insurance coverage will vary depending on the state you live in, the make and model of your vehicle, and other factors.

Car Insurance Benicia, CA

Auto Insurance with a DUI or DWI

If you have been convicted of a DUI, you know that it can be a long and costly road back to the driver’s seat. One thing that doesn’t have to cost you an arm and a leg, however, is your post DUI auto insurance. We have helped many drivers find an affordable option for car insurance post DUI or DWI conviction. In fact, it’s a specialty of ours.

We can walk you through the whole SR22 filing process securely and confidentially. There’s no need to fill out reams of paperwork or spend days on the phone waiting to speak with someone. We can give you DUI auto insurance rates in a matter of minutes right from your computer. Or, if you prefer, you can speak with one of our helpful and knowledgeable agents on the phone who can assist you with any questions about high risk or post DUI auto insurance you may have.

Sacramento, CA Cheap Auto Insurance

What is “liability only” insurance?

“Liability only” typically refers to a minimum coverage level that is required in most states.  Liability coverage pays for damages to other people and property caused by you in an accident.

 

What is “full coverage” insurance?

“Full coverage” is a term that is often used to describe how much automobile insurance coverage someone has on their policy.  Although there is really no such thing as “full coverage”, that term is intended to mean that the policy has more than just Liability coverage and includes collision and comprehensive coverage.

Concord, CA SR22

An SR-22 Filing is a document or electronic certification issued by an auto insurance company that verifies to the state that you have an auto insurance policy with the state minimum liability limits.  If you are required to maintain this filing, you will be notified by the state.

An SR-22 is a financial responsibility certification that is sometimes required for high risk auto insurance customers by the state Department of Motor Vehicles or Public Safety after you have been involved in an accident with no auto insurance, or if an accident is due to excessive driving violations on your part

Los Gatos, CA SR22 Auto Insurance

An SR-22 Filing is a document or electronic certification issued by an auto insurance company that verifies to the state that you have an auto insurance policy with the state minimum liability limits.  If you are required to maintain this filing, you will be notified by the state.

An SR-22 is a financial responsibility certification that is sometimes required for high risk auto insurance customers by the state Department of Motor Vehicles or Public Safety after you have been involved in an accident with no auto insurance, or if an accident is due to excessive driving violations on your part

Tracy, CA Auto Insurance Broker

What is an SR-22?
An SR-22 document is required to provide state mandated proof of auto insurance. If you’ve had a DUI/DWI, been cited for driving without insurance, or been involved in a traffic accident while not covered by insurance, you may be required to keep an SR-22 document in your vehicle. The SR-22 document allows you to provide proof of minimum Liability Coverage to law enforcement officials if necessary.

Palo Alto, CA SR22 Auto Insurance Broker

What is an SR-22?
An SR-22 document is required to provide state mandated proof of auto insurance. If you’ve had a DUI/DWI, been cited for driving without insurance, or been involved in a traffic accident while not covered by insurance, you may be required to keep an SR-22 document in your vehicle. The SR-22 document allows you to provide proof of minimum Liability Coverage to law enforcement officials if necessary.