Month: June 2018

These Events Might Affect Your Premium

Life can naturally be unpredictable, and various events may cause your car insurance rates to fluctuate, too. If you’ll be making a change in the future, be aware of which common milestones could affect your premium.

  • Moving to a new area.In some states, your ZIP code is the primary basis of your car insurance rate. Details like population size, crime rates and even weather can affect your costs.
  • Accepting a new job.Changing your daily commute may also change your premium based on annual mileage and other risk factors.
  • Becoming a homeowner.Adding and bundling the new policy could lead to a homeowner or multipolicy discount.
  • Getting married.Marital status often influences your coverage, especially if any policyholders, including kids, will be added or removed in the process.
  • Buying a new car.This one might seem obvious, but it’s a good idea to do some research before purchasing a vehicle so you’re not surprised by your new premium.

Can you reverse a rate increase?

It may not be possible to reverse a rate increase, especially if it was due to an expansion of coverage; however, sharing updates about automatic security features in your car and doing a record review of other drivers on your policy may prevent outdated information from further raising your monthly rate.

Keeping your insurance up to date starts with revising your policy to include major life changes. An annual review of your coverage will help make sure it still corresponds to your family’s needs.

Please reach out to our team at Vick Insurance Group  if you have questions or if you’d like to check in. You may also reach us online at 24/7.


How to Get the Most out of Your Tires

Your car’s tires won’t last forever, but with regular attention you can keep them in good shape for several years. Here are a few ways to check on your tires each month to extend their performance and stretch your initial investment — all while staying safe on the road.

Tire Pressure

Even if your vehicle has a tire-pressure monitoring system, manual checks are still important. Under- or overinflated tires can lead to accidents, damaged tread and increased fuel consumption.

To check the pressure yourself, wait until your car has been parked and cooled for two to three hours. Find the sticker on the inside of the driver’s side door or consult your owner’s manual to confirm your make and model’s recommended pounds per square inch, measure with a pressure gauge, and add or release air as needed.

Tread Condition

According to the National Highway Traffic Safety Administration, tire tread measuring 2/32 of an inch or less puts you at risk. To check the tread, hold a penny so that the top of Lincoln’s head faces the tire, then lower it between the treads. If he’s mostly covered, you’re in good shape for now. If his head is fully exposed, your tires are worn down and need to be replaced.


Because rubber degrades over time, many experts recommend replacing tires at 10 years no matter what. Examine the manufacture date code when following this suggestion, not the purchase date. Look for an embossed string of letters and numbers on the tire’s sidewall; the last four digits after “DOT” indicate the week and year the tire was made.

When it comes to maximizing tire life, a little bit of preventive maintenance could be the key to avoiding premature wear and ensuring a safe ride.

Please visit Vick Insurance Group for all of your auto needs.

You may also find us online at 24/7/365.