Tips for Winter Storage of Your Classic Car

First and foremost, choose a dry, dark location for storage. Concrete floors work best for keeping away moisture, so a locked garage will serve well for both winterizing and keeping your car safe from burglars.

Second, wash and wax the car before storing it for the winter because removing plastic covers or tarp can lead to unnecessary scratches on the paint.  A clean car will help avoid these complications.

Fill the tank with fuel so as to keep away air which could lead to fuel contamination and moisture.  Run the motor a few times before storage to get the gas flowing to the carburetor and fuel injectors.

Change the oil before winter storage as this will also cut back on engine contaminants during the hibernation season.

Check the antifreeze level, especially in brutal climates.

Add air to the tires as they tend to deflate when not actively used.

If storing your car offsite, don’t forget to give the offsite location to your insurance carrier.  This may be a requirement of your policy.  Be sure to check policy requirements.

To avoid insects and animal life away from the car, be sure to close all the windows and seal openings like air cleaner and tailpipes with a plastic bag.

Unhook the car battery and place the vehicle on jack stands.

Taking simple precautions can go a long way to safe hibernation of your classic car.  Insurance Solutions Inc. serving Cullman, AL is at your service for all your car insurance needs.  Pick up the phone and get covered in order to be ready to hit the road come spring.

 

 

Tips for Customizing Your Motorcycle Insurance

Being a motorcycle enthusiast in Cullman, AL, there are plenty of reasons to be concerned about your bike. Besides the legal requirements for insurance, you want to make sure your baby is protected. Here at Insurance Solutions Inc., we understand those concerns, so here are a few tips to customize your motorcycle insurance and make sure you’re fully covered.

Know the Value of Your Bike

It’s not uncommon for owners who love their bikes to add a few custom touches. Unlike with cars, this can pretty easily change the value of the bike. Standard insurance policies will use Kelly Blue Book and similar methods to assign a value to your bike. They’ll often come up short of the full value, so you want to make sure your policy really covers the value of the bike. Many insurers offer custom coverage packages that are designed for custom parts, equipment and accessories to compensate for any discrepancies.

Consider Add-Ons

Standard coverage will include collision, medical payments, and personal injury liability insurance. You can also easily extend that coverage to apply to collisions that are your fault. That still runs short of what you might need. Comprehensive insurance protections your from theft and sources of damage that aren’t collisions. Trip interruption can pay for food and lodging if you have an incident away from home. Trailer coverage is great if you use one, and roadside assistance is just as viable for a bike as a car.

Lay-up Periods

It’s not entirely uncommon for a biker to leave their beloved motorcycle in the garage for a full season, even in Cullman, AL. If this applies to you, consider a lay-up period with your insurance. During this period, you can still be covered by your comprehensive plan, but you can drop payments for collision and other threats that only exist on the road. It’s a great way to save money.

Talk with your Insurance Solutions Inc. agent and see what other ways you can improve your coverage and save money.

Choosing a Home Base for Full Time RVers

Fulltime RV’ers tend to enjoy numerous advantages in Cullman, AL compared to the sizable house-bound population. As a full-time RV’er, you get the opportunity to travel and enjoy the sceneries, meet new and exciting friends, and relish new experiences. The most significant advantage of being a full-time RV’er is that you get to choose where you want to declare home. However, with a rigid legal system which assumes that people can only be stationary in their places of residence, selecting a home as a full-time RV’er is always a big challenge. Below are some factors you should consider when choosing your home base.

State Income Tax

This should be your number one consideration when selecting a home base. As a full-time RVer, you have some form of income. Some states will exempt tax on some types of income such as retirement income. However, the majority of state tax income in different states including Cullman, AL range between 3.0% and 13.3%. However, a no-income-tax state may cost you a bit higher when it comes to insurance premiums for your RV.

Consider Insurance

All the insurance including life, health, vehicle, and RV rates are usually based on your state of domicile. Insurance companies such as Insurance Solutions Inc. determine the insurance rates through complicated mathematical calculations based on many factors. All the insurance types can be adversely affected by the address you choose. Before you choose a state, be sure to compare the insurance rates and especially the health insurance rates.

Property Taxes and Vehicle Registration

Just like income tax, property tax tends to vary from state to state, and it can be an uphill task trying to compare the rates from different states. However, some states don’t charge personal property taxes. The personal property tax can be charged based on the value of your Recreational Vehicle or your tow vehicle.

Do you want to learn more about full-time RV’ing? Contact Insurance Solutions Inc. today for further details.

Facts to Know About Motorcycle Insurance

Just like auto insurance, for the motorcycle owners, holding motorcycle insurance is a requirement by the state. You will be required to have a motorcycle insurance policy for you to ride your bike in Cullman, AL. Owning a motorbike comes with many benefits including the fact that they are less expensive compared to cars. When you compare the buying price, maintenance, and fuel, you will realize that motorcycles are a great treasure and investment. You, therefore, have to ensure to keep your motorbike in good shape and to do this, proper maintenance is the key.

Despite the many advantages, motorcycles can at times be dangerous. No matter how safe and responsible you try to be, being on the road comes with a lot of uncertainties. It is, therefore, wise to have an insurance coverage to keep you protected and Insurance Solutions Inc. is here to help. However, there are some facts you need to know about motorcycle insurance  before choosing the right option for you some of which include;

Standard auto insurance does not protect your motorcycle

If you already have an auto policy, it is irrelevant when it comes to protecting your bike. You are required to buy liability insurance designed particularly for your motorcycle. If you are in trouble or you are pulled over by a police and you are needed to show your insurance proof, handing over auto insurance cannot help.

Liability policy does not pay for the damages you incur in an accident that was your fault

As the name implies, this coverage only caters for monetary damages for other individuals that get hurt from an accident that you caused. Any losses you incur during the collision do not count. You will need to buy a collision or comprehensive policy to protect your motorcycle.

Having uninsured or underinsured policy is a great investment

Consider buying this policy for your motorcycle to give you financial protection in an event where you are in an accident and the person at fault is not insured or is inadequately protected.

To learn more about motorcycle insurance in Cullman, AL, contact Insurance Solutions Inc. we can help you understand all you wish to know so that you can decide on which policy works best for you.

Facts to Know About Motorcycle Insurance

Just like auto insurance, for the motorcycle owners, holding motorcycle insurance is a requirement by the state. You will be required to have a motorcycle insurance policy for you to ride your bike in Cullman, AL. Owning a motorbike comes with many benefits including the fact that they are less expensive compared to cars. When you compare the buying price, maintenance, and fuel, you will realize that motorcycles are a great treasure and investment. You, therefore, have to ensure to keep your motorbike in good shape and to do this, proper maintenance is the key.

Despite the many advantages, motorcycles can at times be dangerous. No matter how safe and responsible you try to be, being on the road comes with a lot of uncertainties. It is, therefore, wise to have an insurance coverage to keep you protected and Insurance Solutions Inc. is here to help. However, there are some facts you need to know about motorcycle insurance  before choosing the right option for you some of which include;

Standard auto insurance does not protect your motorcycle

If you already have an auto policy, it is irrelevant when it comes to protecting your bike. You are required to buy liability insurance designed particularly for your motorcycle. If you are in trouble or you are pulled over by a police and you are needed to show your insurance proof, handing over auto insurance cannot help.

Liability policy does not pay for the damages you incur in an accident that was your fault

As the name implies, this coverage only caters for monetary damages for other individuals that get hurt from an accident that you caused. Any losses you incur during the collision do not count. You will need to buy a collision or comprehensive policy to protect your motorcycle.

Having uninsured or underinsured policy is a great investment

Consider buying this policy for your motorcycle to give you financial protection in an event where you are in an accident and the person at fault is not insured or is inadequately protected.

To learn more about motorcycle insurance in Cullman, AL, contact Insurance Solutions Inc. we can help you understand all you wish to know so that you can decide on which policy works best for you.

Insure Your Classic Car With Insurance Solutions Inc. in Cullman, AL

Do you own a classic car? If you do, then you need to insure your dream car against the dangers of the road, as well as the winter weather to come. Many car owners opt to put their car in storage during the cold months. This isn’t a bad idea, but did you know that your car may not be insured through your base level automobile insurance or homeowners insurance while it’s in storage. 

You need to act now to protect your classic car, and the best way to do that is to call Insurance Solutions Inc. in Cullman AL. The experienced staff at Insurance Solutions are well-trained and prepared to answer your insurance questions. In Alabama, your homeowner’s policy may cover your car if it’s parked in your garage, or if it doesn’t, your automobile coverage may help cover the costs. However, if your car is damaged or stolen while at a separate facility, you may be out of luck. That’s why you need to consider purchasing an extra layer of property insurance for your classic car. This added coverage will protect your car when it’s not on your property. You should also speak with the garage owner to make sure they have the proper levels of insurance. Many garages’ insurance policies will cover your losses, but only to a certain point. To make sure your car is fully insured, give a call to Insurance Solutions and find the policy that’s right for you. 

Stop by the Insurance Solutions location at 1331 3rd Street SE Cullman, AL. Or give them a call. You can reach them toll-free at 800-844-8726 or at 256-739-2329. Call today and see what they can do for you and your car. 

What Does Commercial Insurance Cover?

If you own a business and have invested money into items and structure which are used for business purposes, you need to invest in commercial insurance in order to protect your investment. Keeping careful records and purchasing adequate coverage is the best way to prevent losses due to a covered event.

How Much Commercial Insurance Do You Need?

In order to figure the total amount of coverage you need, you should take a careful inventory of all of your assets on the site of your business including any large equipment. Office supplies and other valuable items should be included in your business inventory. Make sure you save any receipts for covered items, as well as make copies of any appraisals or other official documentation which supports the value of covered items. Having this handy is a great way to make the claims process go much more smoothly and ensure you are able to get the money you need to begin getting back to normal.

Buying Coverage

Find a reputable company that can help you get the coverage you need. Gather all of your information including the lease or deed to the property where the business is located. You also may need information such as a number of smoke detectors, fire extinguishers, the location of fire hydrants, etc. in order to give you an accurate quote on the coverage. You should add up the total of your assets and pick the protection amount the is the next amount over the total amount of assets. For more information on commercial insurance in Cullman AL, Insurance Solutions Inc. can help you get the answers to your questions. 

Protecting your investment is one of the most important parts of owning a business. Keep thorough and accurate records of your belongings for insurance purposes so you can get back to normal quickly in the event of a covered incident. If you live in Cullman, AL, Insurance Solutions Inc. can get you started protecting your business today.

What Does RV Insurance Cover?

If you have purchased an RV, you may be looking to purchase RV insurance to protect your investment in the recreational vehicle. One of the questions that we at Insurance Solutions Inc. serving Cullman, AL, are frequently asked is what RV insurance covers. There are different types of coverage you can buy when buying RV insurance. Here are what the primary types of coverage covers. 

Collision

Collision coverage helps to protect you in case of an accident in the RV. If you hit someone or if someone hits you, this type of insurance helps to pay for the damage done to both vehicles. The exact amount varies based on the coverage level you select. If you own an RV, almost every state requires you to carry a minimum amount of collision insurance. 

Comprehensive

Comprehensive cover helps to protect against many of the types of damage that are not caused by an accident where someone collides into you. This may include acts of vandalism, theft, or even damage caused by storms. Unless you have a loan against the RV, you may not be required to carry comprehensive coverage. But it is a good idea to help protect your investment. 

Uninsured/Underinsured

The last type of coverage is uninsured/underinsured. This protects you in case someone who collides with your RV doesn’t have RV or auto insurance or doesn’t have enough to fully cover the repairs needed. This ensures you do not have to come out of pocket and pay for the damage they caused. Once again, the amount of coverage you have will vary based on the policy limits you select. 

If you are looking to purchase RV insurance in the greater Culllman, AL area, let Insurance Solutions Inc. help. Call us today for an estimate or to get answers to any questions you may have. 

Boat Insurance for the Unexpected

Boating is a great summer activity and proper insurance coverage adds the reassurance that if an accident occurs, you’re covered. Found in the Cullman, AL area, we at Insurance Solutions Inc. are ready to provide you with the boat insurance you need for peace of mind. Visit us and let us show you what legal requirements there are and what insurance packages might be available for you. Then get yourself out on the water and have some fun!

Whether your family loves sunning on the deck, or you like to cast a line out on the river, your boat needs more than just basic physical maintenance. Selecting a reliable insurance for legal and efficient coverage for your water craft is essential. This is why our independent agents know their state required coverage- to make sure you have the insurance that protects you in the event of an unexpected incident. 

Proudly serving the Cullman, AL area, we want everyone to have a safe and memorable summer of fun and adventure. Using safety equipment on board your boat just makes sense. Having the insurance coverage you need backs you up in case of an accident, too. There’s no need to second guess those needs, either. Our agents at Insurance Solutions Inc. can cover safety tips you may not know as well as insurance needs. Safety is part of our insurance business, after all. Also, if your current insurance is not satisfying your needs for coverage, then give us a call or stop in and ask some questions. Some of the experienced and dependable insurance policy providers we work with include MetLife, The Hartford, Progressive, Travelers, Guide One, ASI, and AARP. Contact us today.

Is My Boat Covered When It Is Out Of the Water?

Strangely enough, yes.

If you own a boat, especially a classic, it is common knowledge that other than all the fun on the water plenty of work awaits when the boat is on land. In some cases, that work may require a significant time of labor ranging from months to years. In this regard, as a boat owner, you should consider taking a coverage for “out of water port risk”. This is basically an insurance coverage that protects your boat as long as it isn’t launched.

However, the task sets in when finding the right policy for your boat. And that is why we at Cullman, AL, Insurance Solutions Inc. want to ensure to have the right information to enable you insure your boat correctly.
Taking coverage against out of port risk does not fall under your boat policy. Supposing the boat is attached to your truck, then your auto policy will cover you. Anytime you are transporting something, the vehicle policy is responsible. Unfortunately, your boat on transit will only be catered for if it is within the limits contained in the auto policy. So if you live in Cullman, AL it is advisable to clarify this aspect with an insurance agency.

On the other hand, a yacht policy will not cover any property damage, injury, and loss of life that takes place when the boat is out of the water. Your homeowner’s insurance may be of help but only if the boat is damaged while situated on your property.

Therefore, in order to fully protect your boat from terrestrial danger, an umbrella policy stands out as the best option. In case of an injury, an umbrella policy overrides both the auto and homeowners policies. If you possess a boat in Cullman, AL, it is not only an extra asset but another opportunity for risk. At Cullman, AL, Insurance Solutions Inc. we do our best to guarantee protection of your most valuable investment, contact us today!