Transcription: Slide 1: Hello! I'm Dan Lyles with Lyles Insurance. And in this video we're going to go over 8 short-term ways to getting cheaper auto insurance. Slide 2: There are a few things drivers can do to lower their auto insurance rate. But they're simply not taking advantage of them. And so that's why I've provided this list of short term things you can do to lower your rate. And don't worry! I'm not going to ask you to make any major life-changing events. For example, I'm not going to suggest that you move to a smaller town, or buy a home, or get married, or something like that. These are all simple things that just about anybody can do fairly easy. Now, not all of these are going to apply to everyone. But they're all easy to do and can be done in about six months or less. Slide 3: So let's get started. And we'll start with one of the biggest money savers. Number one: Shop around! Don't be afraid to get quotes with other companies. This is one of the biggest money savers. But it's also one of the things that people neglect to do. Experts recommend that you should shop around at least every two years for cheaper auto insurance. But very few people actually do it. And remember that the more companies you quote with, the better your chances of getting a lower rate. And that's why it's very efficient to quote with an independent agent, where you get multiple company quotes at once instead of shopping around with just one company at a time. Slide 4: Number two: Pay for your policy in full. This is another big money saver, sometimes up to 20 to 30%. When you pay your policy in full you get the highest discount. Now I know that's a lot of money to save up at once sometimes. But it is the cheapest way to go. Now, if paying in full is not possible. Your second best option is to have your monthly payments automatically withdrawn, from like a checking account (some companies allow you to do it from your credit card). But at least that way would cost you less versus making monthly manual payments. Slide 5: Number three: Carry active auto insurance for at least six months without a lapse in coverage. By doing so, you get what's called a prior coverage discount. And depending on the company, can range from anywhere between a ten to twenty five percent savings, sometimes even more. Many companies will also give you more of a discount if you've had coverage a lot longer than six months. And some also give you a boost in the discount if you have higher levels of liability coverage than just carrying state minimum levels. Now, this is important. If you didn't have prior insurance before, make sure to re-quote again after you've had coverage for six months. That's when you're really going to see the savings come in. Slide 6: Number four is paperless discount. Now this is probably not as big of a money saver as the three I mentioned earlier. But it's still significant nonetheless. And it's very easy to do. All you need is an email address to sign up for a paperless discount. And documents that are not required by law to be sent through the mail, they'll go to your email instead. And just by doing so, you'll save several percent on your auto insurance. Slide 7: Number five: Is driver behavior discounts. This has to do with drivers who are low mileage drivers. If you drive a lot less than the average person, you're a prime candidate for this discount. Companies will use different methods depending on who your auto insurance company is. Some of them will have you use plug-in devices. Others you just install an app on your phone. Some just want to check your odometer on occasion. But nonetheless if you don't drive a lot of miles, you should seriously look into this. Because some of these discounts tend to be very significant. Slide 8: Number six: Is anti-theft device discount. If your vehicle has an anti-theft device, be sure to check with your agent to see if a discount is offered. And if so, make sure that discount is being applied to your policy. A lot of vehicles will qualify, but are not getting credit for it. Slide 9: Number seven: Is defensive or safety driving course discount. Many companies will offer a discount if you've taken a recent defensive driving course or safety driving course. If you or any of the other drivers on your policy have taken such a course, make sure to ask your agent about applying that discount. Slide 10: And finally, Number eight: Good student discount. If you have a young driver on your policy who gets good grades in high school or college, this discount is usually a big money saver. And you don't have to be a straight A student or valedictorian to qualify. Usually with most companies, a 3.0 GPA or higher, or a recent honor roll or Dean's List certificate is all that it takes to qualify. So I hope you've learned something that you might not have thought of before. Hopefully, you can save some money on your policy. Thanks for watching and have a great day! Link from video: Auto Insurance Page Related Blog Articles: Video: Late payments on auto insurance and How it hurts your rates Video: SR22 Auto Insurance: Going from a DUI to license reinstatement Video: Why you shouldn't buy auto insurance directly from a company Why is there a cancellation notice on my auto insurance bill? Should I choose a six or twelve month auto insurance policy?
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Get an Out of State SR22 Auto Insurance Quote with Lyles Insurance Get an Out of State SR22 Named Operator Quote with Lyles Insurance Call me for a Quote Transcription Slide 1: Hello! This is Dan Lyles with Lyles Insurance. This video is going to go over out-of-state SR22 auto insurance filings. For those of you who live in one state but need an SR22 filing in another state, you’ve probably found that it's frustrating and difficult to find the right type of policy that you need. This video is going to help you with that. Slide 2: First, let's go over what an SR22 filing is. Many states require drivers who have their license suspended to attach an SR22 filing onto their auto insurance policy in order to get their license reinstated. And what these SR22 filings do, they monitor drivers by making sure they keep an auto insurance policy active with at least state minimum liability coverage. So once you buy a policy with an SR22 attached, it lets the state BMV or DMV know when you buy a policy. However, it will also let the license bureau know if you ever cancel, lapse or expire on a policy. And if that happens, your license will get suspended again. Slide 3: Finding an out-of-state SR22 filing can be difficult for a couple reasons. Number one, SR22 filings themselves are somewhat limited because not all auto insurance companies will write SR22’s. Then to narrow it down even farther, of the ones that will, many will only write SR22’s in that state, and they won't write out-of-state SR22’s. However, don't give up and no worries. There are companies that will write out-of-state SR22’s. And in just a minute, I'm going to go over some things that will help you find those. Slide 4: There are only three steps to finding an out-of-state SR22 filing. Number one: Location. Buying your policy in the right state. Number two: Selecting the right type of policy. And number three: Selecting the right level of liability coverage. So let's go over each one individually. Slide 5: Number one is location. You need to buy the policy from the state you're currently living in. Not the state that you need the SR22 filing in. Many people make the mistake and get that backwards. It's always the state you're living in, is where the policy needs to be written. Slide 6: Number two: Selecting the right type of policy. And this is very simple. If you own a vehicle or have a vehicle registered in your name, all you need to do is take out a regular auto insurance policy. One that will write SR22 filings, and then attach the SR22 onto your policy. That's it. Now, for those of you who do not own a vehicle, you're going to need to take out what's called a named operator's policy (it's also known as a non-owners auto insurance policy), and attach the SR22 onto it. Slide 7 And number three: Selecting the right level of liability coverage. Each state sets its own minimum levels of auto insurance liability coverage that they require drivers to carry. So if the state you live in and the state you require an SR22 filing in have different liability limits, you have to select levels of whichever one is higher. You need to match the highest parts of each facet of liability coverage. If you don't know those minimum limits on both states, an agent will be happy to help you with that. You’ll also easily be able to pull that up on Google by a Google search. Slide 8: And finally, where is the best place to look to find a policy that you need? The best idea for you to do is to look for an independent auto insurance agent that specializes in SR22 auto insurance policies. They have the companies that will go easy on SR22’s, and are most likely to sell policies that will write out-of-state auto insurance filings. For those of you who live in Ohio, Indiana, Virginia, Michigan, Pennsylvania or West Virginia, I'll be happy to help you with that. If you'd like to get a quote, just click on the link I have posted here. Fill out the information, and I'll run you a quote myself. Or you can also reach me at (740) 574-2618. And as always, I handle all quotes personally and privately, and do not sell your information to anyone. So I hope this video has taught you what you need to know about out-of-state SR22 filings. If you have any questions please contact me. Thank you, and have a great day! Link from video: SR22 Auto Insurance Page Transcription: Slide 1: Hello! I'm Dan Lyles with Lyles Insurance. And in this video, we're going to cover the Ohio BMV’s random letter auto insurance check. Slide 2: Let me quickly go over how the random letter program works. Each week the Ohio BMV randomly selects 5,400 vehicles, and requires their owners to prove that they had auto insurance liability coverage on that vehicle, on that day that their vehicle was selected. The vehicle owner will then be mailed a random letter selection notice, and they have 30 days to respond. All they need to do is simply send in either a declaration page or an Insurance ID card, and the problem goes away. Slide 3: However, if you did not have liability insurance on the vehicle, on the date in question, they will suspend your license. And they're very strict about it, especially the date of selection. Meaning that it does you no good to go out and buy insurance on the day you receive a letter in the mail. By then several days have already passed. They only care that your vehicle had coverage on the date that it was randomly selected. Slide 4: So let's assume your license got suspended due to this random selection program. How do you get your license back? Well, if it's your first offense, you don't have to serve a mandatory suspension period like you did years ago, when it was 90 days. You just need to pay a reinstatement fee and carry an active SR22 filing on your auto insurance policy for the next three years. That's what gets costly. Second and third offenses, same thing basically except there's a one-year mandatory suspension with the second offense, and a two-year mandatory suspension with the third offense. Plus the reinstatement fees go up with each one. And counting back on the offenses, they go back five years. Slide 5: There are a few valid exemptions that the Ohio BMV will allow. But they've got to be very good reasons supported by very good documentation. For example, if you were in the hospital, in jail, or serving active military out of state or overseas on the date your vehicle was pulled, then you'll be okay. If your vehicle is disabled on the date in question and at least 30 days prior to that, you will be exempt also. But you will need a notarized affidavit from a state certified mechanic stating that to show as proof. And they have some other exemptions such as seasonal vehicles. But again, anything exempt requires documentation. And they don't play around with this! Slide 6: Let me briefly cover what an SR22 filing is. An SR22 filing attaches onto an auto insurance policy. It lets the Ohio BMV know that you're carrying at least state minimum auto insurance liability coverage. But here's the bad news. An SR22 also lets the BMV know if you ever cancel, lapse or expire on a policy before the three-year SR22 requirement expires. If that happens, your license will be suspended again until you put another active SR22 filing in place. Slide 7: Finally, let me give you a little help on finding affordable auto insurance coverage with an SR22 filing. Not all auto insurance companies write SR22’s. Some companies will but the premium is very expensive. So it's best for you to look for an independent agent that specializes in SR22 auto insurance. They carry companies who are much more SR22 price friendly. That also gives you the advantage of getting multiple quotes at once instead of quoting with one company at a time. And that gives you a much better chance at finding a lower rate. So I hope you’ve learned what you need to know about getting a random letter and how to respond to it. Thanks for watching and have a great day! Link from video: Auto Insurance Page Get an Auto Insurance Quote with Lyles Insurance Get a Financial Responsibility Bond Quote with Lyles Insurance Call me for a Quote Transcription: Slide 1: Hello! I'm Dan Lyles with Lyles Insurance. This video is intended as a guide for those of you who are going through the process of going through the Ohio BMV, and needing an SR22 auto insurance filing to get your license reinstated. If you're not familiar with the process, this video will answer a lot of your questions. Slide 2: To get your license reinstated after a suspension, there's a certain procedure you have to follow. You might have had to serve some suspension time, you'll have to pay any fines, reinstatement fees, some of you may have been required to take some safety courses. Once you've met all those requirements, getting an SR22 filing is usually the last step you need to take before you get your license reinstated. Slide 3: Before I get more into SR22 filings, I want to clear up some confusion regarding a misleading term that probably all of you have heard: “SR22 Bond”. There is no such thing as an SR22 bond. An SR22 is not a bond, nor is it auto insurance. It's simply a state filing that you attach onto either an auto insurance policy or a financial responsibility bond. And I think that's where the term came from. Ohio is the only state that has these financial responsibility bonds. And an agent is going to understand what you mean when you say SR22 bond. But just understand that it's a misleading term because it leads to confusion when you go to set up a policy. Slide 4: So what an SR22 filing actually does: it lets the Ohio BMV know that you're carrying at least state minimum liability auto insurance coverage. And as long as you keep a policy with an attached SR22 filing active, your license will remain valid. Slide 5: But here's the bad news about an SR22 filing: it acts as a “tattletale”, as I like to call it. Because if you cancel, lapse or expire on an SR22 attached auto insurance policy or bond, the auto insurance company is required by law to tattle on you to the state BMV. Once that happens, they'll suspend your license again until you either reinstate the policy, or start a new one with another SR22 attached. Slide 6: This part is very important. What's the best way to set up an SR22 filing? Well it's real easy. If you own a vehicle or have a vehicle registered in your name, you simply need to buy a regular auto insurance policy, and attach the SR22 filing on to it. Now, I know a lot of auto insurance companies don't write SR22’s, and some will write SR22’s but charge you a fortune for it. So you've got to look for the right company there. And I'll get into that here in just a minute. Now for those of you who do not own a vehicle, you'll need to buy what's called the Financial Responsibility Bond, and attach the SR22 on to it. It's as simple as that. But there's a lot of people that get this wrong. Slide 7: As far as finding the best rate: As I just mentioned, some auto insurance companies won't help you at all with SR22’s. Others will but they'll charge you an arm and a leg. So your best bet is to find an independent agent that specializes in high-risk auto insurance. That way, you get multiple quotes at once instead of quoting with one company at a time. Slide 8: And finally, once you've bought a policy with an SR22 attached to it, how do you file it with the Ohio BMV? Well, you have two options: an easy way and a fast way. The easiest way which is the most popular, most common, is to simply do nothing. Because once you buy this policy with an SR22, the company will electronically file that to the State BMV. The slow part is: once the BMV gets it, it usually takes them one to two business days to process it. But at least you don't have to do anything. It's automatic. Now, if you want to get your license back quicker than that, you also have the option of taking your paperwork to the BMV yourself. Once you buy a policy, your agent can email or fax you the paperwork you need in minutes. And then you just take the paperwork to the BMV in person, showing you've got an active SR22. They'll process it right there on the spot. So I hope this video has taught you what you need to know about the process of going through the Ohio BMV, and getting an SR22 filing to get your license back. Thanks for watching and have a great day! Link from video: SR22 Auto Insurance Page Related blog articles: Video: Can I buy SR22 auto insurance with a suspended license? Transcription Slide 1: Hello! I'm Dan Lyles with Lyles Insurance. And in this video, we're going to go over the basics of a mobile home insurance policy. Slide 2: There are six basic parts to a mobile home insurance policy. And it's very important that you understand these before you buy any type of mobile home insurance. Number 1 is the most important, Dwelling coverage. This is the main part of your policy which actually covers your mobile home and anything that's permanently attached to it. And you don't want to skimp on this level of coverage. You want to make sure it's adequate because it not only affects your level of dwelling coverage, but a percentage of it will also be based on other important coverages I'm about to mention as well. Number 2, Other Structures coverage. This is for anything that's not permanently attached to your mobile home. Examples would be sheds, gazebos, hot tubs, things like that. Slide 3: Number 3 is Liability coverage. And again, this is very important coverage. Make sure you don't go skimpy on levels of coverage on this. This covers you if someone else gets hurt or injured on your property. Liability coverage is very important because they represent so many claims. In fact, one-third of all claims come from just dog bites alone. But there's other reasons. Somebody can slip and fall, break their neck, things like that. Do not skimp on liability coverage. Number 4 is Personal Property coverage. This pays you for any covered loss on household items. Examples include furniture, appliances, electronics, clothing, etc. It's always good to have a video inventory taken beforehand of these kind of items to help if you ever need to file a claim. Slide 4: Number 5 is Medical Payments coverage. And just like the liability coverage I mentioned earlier, this will cover you if someone else gets injured on your property. The difference between liability coverage and medical payments coverage is that liability coverage is more intended for severe injuries, whereas medical payments coverage is more for the minor injuries. And thus the companies usually set these up at low levels, usually between $500-1000. Number 6, Damage to property of others. This is where someone in your household causes damage to someone else's property. For example, let's say your child goes to visit a neighbor, and plays ball, and accidentally throws a baseball through a window. These kind of things are covered under damage to property of others. Slide 5: What type of mobile homes are acceptable for mobile home insurance? Well, the good news here is they are very flexible. Besides a mobile home, you can also insure a manufactured home, a modular home, even in some cases fifth wheel campers and travel trailers (although there are some conditions that apply with that). Slide 6: Another important part I want to cover about mobile home insurance is replacement cost coverage. This is going to apply to those of you who own a newer mobile home, with most companies as standard as 10 years or newer to qualify. And if you qualify for replacement cost coverage, you get offered a lot better coverage than what normally is assessed, which is actual cash value coverage. So if you can get replacement cost coverage, believe me! It's a no-brainer to take that coverage. You get higher coverage for very little extra premium. And if you qualify but your company doesn't offer the coverage, then maybe you should shop around for a better policy? Slide 7: So I hope this video has given you a better understanding of how the basics of mobile home insurance works. If you'd like some more information, visit my mobile home insurance page. I have the link posted there. And also, for those of you who live in the states that I'm licensed in: Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia, if you'd like me to run a quote personally myself for you, I'll be happy to do so. Just click on the Link, fill out the information, and I will get back with you with rates. Thanks for watching. And have a great day! Link from video: Mobile Home Insurance Page Get an SR50/SR22 Auto Insurance Quote with Lyles Insurance Get an SR50/SR22 Named Operator Quote with Lyles Insurance Call me for a Quote Transcription: Slide 1: Hello! I'm Dan Lyles with Lyles Insurance. And in this video, I'm going to show you a quick little buyer's guide for drivers in Indiana who need a state SR50 auto insurance filing to get their license back. Slide 2: First, let's go over, what is an SR50? An SR50 is not auto insurance. It's a state filing that attaches onto an auto insurance policy. It shows that you're carrying active liability auto insurance of at least state minimum limits. And getting an SR50 filing is usually the last step you need to take to have your driver's license reinstated. And if you wondered why it's so hard to find information about SR50’s it's because it's very rare. In fact Indiana is the only state that has them. Slide 3: But here's where things got complicated and confusing. Several years ago, Indiana laws changed. The BMV stopped issuing SR50 filings, and switched to the more common SR22 filings that most other states use instead. However, for those of you who lost your license prior to the law changing, you're still grandfathered into the old SR50 requirement. Slide 4: Here's where you're going to run into problems in finding SR50 state filings. Fortunately, it has a very easy fix. The bad news is that most auto insurance companies that write state filings no longer offer the SR50 since the law changed. They've switched to only writing SR22’s. But if you need an SR50, you can substitute an SR22 for it. And it'll work just fine. In fact most of you will have to go that route because very few auto insurance companies still write SR50’s. Slide 5: Here's a quick comparison between the SR50 and the SR22, and what they have in common. They're both attach onto an auto insurance policy, whether it be a regular auto insurance policy or a non owners policy. I'll talk about that more in a minute. When you buy an auto insurance policy with either filing attached, the auto insurance company is required to file this SR50 or SR22 electronically to the Indiana BMV. Once this happens the Indiana BMV will then process your filing, and your license will be reinstated (as long as you paid all other fees and met all other reinstatement requirements). Slide 6: Now here's where SR50 and SR22’s are different. It's okay for a driver who needs an SR50 to substitute it with an SR22, but not vice versa. If you need an SR22, then you have to go with an SR22. But for those of you who just need SR50’s, an SR22 substitutes just fine. The reason it just works one way is because an SR22 carries a higher standard than the SR50 does. However, people still grandfathered into the old requirement are not held to that higher standard. So don't worry about it. Slide 7: How do you set up an SR22 or SR50 state filing? This is very important that you get this right and understand this. Fortunately, it's very simple and easy to understand. If you own a vehicle, or have a vehicle registered in your name, you simply need a regular auto insurance policy, and attach to either state filing onto it. If you do not have a vehicle, you need to take out what's called a named operator auto insurance policy (it's also known as a non owner policy). And again, either state filing will attach to it as well. Slide 8: Finally, let me give you a quick tip about finding the best rate. Because even with SR22’s or SR50’s, not all auto insurance companies write those state filings. So the best way for you to find what you're looking for at a decent price, is to find an independent insurance agent that specializes in high-risk auto insurance. The companies they carry tend to go easy on SR22’s and SR50’s, and also drivers who have dings on their driving record. And the best thing about that is it's very time efficient. You get quotes with multiple companies at once, instead of quoting just one company at a time. So I hope you've learned what you need to learn about buying an SR50 or SR22 filing. Thanks for watching, and have a great day! Link from video: SR50/SR22 Auto Insurance Page Transcription: Slide 1: Hello! I'm Dan Lyles with Lyles Insurance. And in this video, we're going to go over the 13 deadliest driving behaviors. Slide 2: The National Highway Traffic Safety Administration collects data from traffic crash reports involving fatal accidents. They then categorize them by driving behaviors and rank them starting with the most dangerous. These are nothing surprising. But the order they’re ranked in probably will surprise you. The percentages listed represent what percent of fatal accidents that behavior was a factor in the crash. Slide 3: So let's get started. Number one is Speeding. This includes both going over the posted speed limit and driving too fast in bad conditions. They have listed 20.8%, which means that of all fatal accidents, speeding is a factor in roughly 1 in every 5 fatal accidents. Slide 4: Number 2, Driving under the influence. They make no distinction between alcohol, street drugs or medication. They're all count the same. And they represent 13.8%. Slide 5: Number 3 is Failure to keep in proper lane. And this is mostly attributed to freeways and highways, roads that tend to have higher speed limits. And the percentage here is 9.2 percent. Slide 6: Number 4 is Failure to yield right away. And that attributes to 7.2%. Slide 7: Number 5, Driving distracted. This includes talking on your cell phone, eating, just talking to someone in the vehicle and not paying attention to the road, things like that. It's attributed to 7.1% Slide 8: Number 6, Operating vehicle in a reckless manner. This includes reckless, careless and erratic driving. And they have it listed as 6.0%. Slide 9: Number 7 is Over correcting, or over steering. This is at 4.8%. Slide 10: Number 8, Failure to obey traffic signs, signals or officer. This is 4.2%. Slide 11: Number 9 is Swerving or avoiding. This can be due to wind, slippery surface, other vehicle, an object or animal in the roadway, things like that. This is given a percentage of 4.0%. Slide 12: Number 10 is Vision obscured. This is just basically lack of visibility for things such as rain, snow, glare from lights, etc. That's given a percentage of 3.0%. Slide 13: Number 11, Driving drowsy, asleep, fatigued, sick or blackout. This is given a percentage of 2.6%. Slide 14: Number 12 is Driving the wrong way on one-way traffic, or driving on the wrong side of the road. And this is given a percentage of 2.5%. Slide 15: And finally number 13, Making an improper turn. Which is given a percentage of 2.3%. So hopefully you learned something from this video. And I hope you enjoyed it. Thank you for watching. And have a great day! Link from video: Auto Insurance Page Related Blog Articles: Video: Should I add/increase deer coverage on my auto insurance Video: Understanding the Auto Insurance Expiration/Renewal Process Video: Car Insurance with a Speeding Ticket: Shopping around is a must! Video: SR22 Auto Insurance: Going from a DUI to license reinstatement Video: Uninsured Motorist Coverage Explained |
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Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia.. Archives
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