Tips for Updating Your Insurance Policy

There are times in your life when you wonder if you need to update your insurance coverage. This process may seem daunting and for many they have no real idea why they would need to update. Here are a few tips to help you work through the update process and get the insurance policy that you need and want.

Changes in your life like turning 25, having a child, adding more cars, removing cars, or paying off a car loan are all factors that can affect your insurance rates. As you age you become less of a risk to insurance companies making it possible to provide you with lower cost insurance. Having a child and getting married also make you less of a risk allowing for lower insurance rates. If you have any major life change it is likely that it will affect your insurance rates in some way or another. Take the time to let your agent know about these changes.

Another tip is to keep your insurance agents number handy. This will help you alert them to the changes that are being made in your life and will also allow you to ask questions when you need to. Having access to your agent can help you to determine if you need to update or change coverage or if your current coverage is enough.

As a general rule it is good to reassess insurance coverage at least once a year to see where you can save money, where the insurance requirements of your state have changed, and to see if you need more or different coverage. Schaller & Thomas Family Insurance want to make sure you have the right coverage for your needs. Contact us them today to see if your coverage is all that it can be.

How To Keep Your Car Looking Its Best

Most people take great pride in their vehicle. Some people go to the car wash once or twice a week to keep their car looking nice. Others spend hundreds of dollars every year having their car detailed. If you want your car to look great, but don’t want to spend the money to have someone else handle the cleaning, there are a few steps that you can take to have your car looking like it was professionally cleaned.

Clean Your Mats

To clean your mats, you should use compressed air to get any dirt out of the cracks of the mats. A stiff brush will also work. If you have leather seats, treat them with a conditioner that contains aloe.

Clean the Air Ducts

To get the new car smell back, you should use a portable air compressor and blow the dust and dirt out of the heating and air conditioning duct work.

Shine Your Wheels

Shiny wheels can make your car look brand new again. To clean the tires, you should use a non-acid product as products containing acid can damage the wheels.

Wash Your Car By Hand

The best way to get your car completely clean is to wash it by hand. This will allow you to get every area of the car. Many people use dish washing liquid to wash their car, which is a mistake. Dishwashing liquid can remove the protective wax coating from the car. You should use only products that are designed to wash a vehicle. These products will preserve the car’s finish.

Get Out Tough to Remove Stains

If bird droppings or other stains, saturate through the wax and the clear coating of the paint in the hot sun, it can be difficult to remove. The best way to get these stains out is to use a small block of paint cleaning clay, that has been lubricated with a liquid cleaner wax. Simply rub the clay over the stain, and it should come right up.

Make the Car Shine

When you buff your car after washing it, you should use an oscillating buffer to make the car shine. This will make it look brand new.

Waxing

Cars have a clear coat when they come out of the factory, however, over time, the coat can fade away. When you apply a coat of wax on the car, not only are you protecting the paint, the wax will make it look like you just had your car painted.

Keeping your car clean is not the only way to protect it. You want to be sure that you have adequate insurance should you get into an accident. The professionals at Schaller & Thomas Family Insurance has been helping clients in the  area Phoenix, AZ find the best policy possible to suit their needs.