5 Tips to Preventing Motorcycle Accidents

Safety is of utmost importance to motorcycle riders. It only takes one accident to put you on the sidelines for a very long time. Whether you’re a newbie to motorcycles or have years of experience on the road, the following safety tips can help reduce your risk of accidents.   

Be More Visible

As motorcycles are smaller than vehicles, they tend to be less visible on the road, especially at night or when passing other vehicles. You can compensate for this by keeping your bike’s headlight on at all times and steering clear of other drivers’ blind spot. Avoid splitting lanes during rush hour traffic (or anytime) and wear reflective clothing at night.

Never Drink and Drive

Drinking and driving can be fatal for a motorcycle rider and should be avoided at all costs.

Don’t Drive in Bad Weather

If the weather forecast calls for heavy winds, rain, ice or snow in Clovis NM, leave your bike at home. Riding under these conditions only puts you at risk of having an accident.

Follow Speed Limits  

You may enjoy cruising at high speeds on the highway, but consider the consequences in the event of an accident. For safety sake, follow posted speed limits for both city and highway riding.

Take a Motorcycle Safety Course

Through a safety course, you can learn (or hone) motorcycle skills that can make you a better rider such as brake control, throttle control, evasive maneuvers, low-speed turns and more. The more you practice safe riding techniques, the greater your chances of not having an accident.

Last, but not least, make sure you have adequate motorcycle insurance coverage. At General Insurance Agency, we offer quality motorcycle insurance options at affordable costs. For a free quote, contact an agent from General Insurance Agency in Clovis, NM today.

Boat Insurance Options for Summer Fishing Fun

Clovis, NM has plenty of fun lakes to explore and fish during the summer. If you plan on taking yours out this year, you need one or more insurance policies from us at General Insurance Agency.

Types of Boat Insurance Options

Boat insurance falls into two types: agreed value and actual cash value. The first type covers your boat based on its worth when the policy was written while actual cash covers the boat based on its value at the time of the incident that requires the insurance to repair.

These policies can be applied to multiple types of boats, personal watercraft devices, yachts, sailboats, dinghies, professional fishing boats, boating clubs, and even rental boats. Commercial policies help protect businesses who plan on renting boats out to people during the warm summer months.

Coverage Options

Insurance policies for boats typically fall under these coverage options:

  • General Coverage – Takes care of basic boating damage
  • Specialized Coverage – Individual insurance options for specific items on a boat.
  • Salvage – Pays to remove a boat from a lake or body of water if it sinks.
  • Towing – Moves your boat across a body of water if its engine fails.
  • Consequential Damage – Pays for damage caused by wear and tear.
  • Cruising Extension – Coverage for trips that take place outside of the country.

Factors That Influence Boat Insurance

People buying boat insurance need to consider the following factors before buying a policy:

  • Age
  • Length
  • Cost
  • Engine (horsepower and speed)
  • Build condition
  • Type of boat
  • Ownership
  • Bodies of water its used on

Find the Right Policy for You

So if you plan on taking your boat out this summer in Clovis, NM, please contact us at General Insurance Agency to find a policy that works for your needs.

Does My Employer Have to Provide Life Insurance?

People live in Clovis, NM, for a number of reasons. Cost of living is low. There’s none of that urban sprawl and hassle. The desert air is great and the sunsets are unbeatable. Life in the area can be pretty laid back, and as a result many residents don’t always take a proactive stance on things like life insurance. You know you need it, but you might not know the best way to get it. General Insurance Agency has the answers you seek.

It Depends on the State

New Mexico is among many right to work states. That comes with its own set of pros and cons. The good news is that you can leave any job at any time for any reason. You can also take any job offered to you. On the other hand, employers have that same freedom. They can fire any employee for no reason at all. They also aren’t obligated by the state to provide benefits. New Mexico law makes no guarantees for retirement, health insurance or life insurance. The first two on that list are partially covered by federal law, but life insurance is not. Your job in Clovis, NM, might include life insurance, but it doesn’t have to.

Staying Protected

Life insurance is a bit of a problem for New Mexico residents. It’s one of the states with the lowest levels of coverage, and many New Mexicans suffer as a result. If your company doesn’t provide life insurance, you still need a policy. Thankfully, seeking out your own solution isn’t terribly difficult. Depending on your situation, you may be able to lock into an extremely affordable policy that lasts for the rest of your life.

Your policy won’t magically appear. You will have to put in a little effort. General Insurance Agency is here to make it as easy as possible. Make a phone call and see what policies are available. You can be covered with less trouble than you think.

 

Why It Is Important To Review Your Home Insurance Before The Holidays

A lot of things happen around the holidays. Particularly in Clovis, NM, you want to make sure that your home is protected against all that could go wrong. Whether it’s your decorations, your cooking or your entertaining that could cause a catastrophe, your insurance policy is what will protect you. General Insurance Agency can help you build a sufficient policy for the holidays as well as the rest of the year.

Think about the various scenarios that could lead to an insurance claim. You plug in too many wires while decorating and cause a fire. You leave the oven on after baking pies and cause a fire. You invite the neighborhood over for a party and someone gets injured on your property and then sues.

By reviewing your policy before the holidays, you can make sure that you have coverage in all of the necessary areas. If you don’t have fire coverage or you don’t think you have enough liability protection, you can make adjustments to your policy. You can also increase your coverage of personal property in the event that you get broken into around the holidays, which is common in many cities.

Ultimately, you want to be able to rest easily throughout the holidays knowing that, if something were to happen, you can file a claim. You don’t want to be financially responsible for repairing your home or making replacements on all of your valuables. Your insurance company should be able to take care of the majority of the expenses – but only if you have the necessary coverage.

Your home in Clovis, NM should always be covered. Independent insurance agents at General Insurance Agency can review your policy and make recommendations. We can also help to make cost comparisons that can save you money on your premiums.

 

 

The Importance of Commercial Insurance

Whether you established your business many years ago or are just starting out, commercial insurance is something you will be happy that you had. Commercial insurance from a trusted insurance company, such as General Insurance Agency in the Clovis, NM area, will protect your business from a wide range of financial burdens, including workers’ compensation, liability, crime, and natural disasters. Without this insurance, you are looking at paying out of pocket if something were to happen to your business or employees. Not only would you have to fork over the cash, but there may also be legal penalties for failing to acquire the proper insurance.

Types of Commercial Insurance

There are a number of insurance policies to consider for your business, but the most common ones are:

  • Workers’ compensation: Will protect against any accidents that may occur with your employees.
  • Liability:  Keeps the business safe when damage is caused to any third parties, such as customers.
  • Property: This type of insurance will keep the business safe against any damages to the property, like a fire or natural disaster.

Benefits of Commercial Insurance

Accidents or theft occur more times than they should, so it is crucial that you take action against it ruining your business by obtaining commercial insurance. Whether your employee gets injured on the job, your store is broken into, or a customers’ items are damaged in your place of business, being covered with this type of insurance will protect the business you have built. But you can’t do it alone. Having an insurance company that you can depend on in the Clovis, NM area will put your mind at ease. General Insurance Agency is one type of insurance company that would be happy to help you find the right coverage for your needs. However, make sure to do research insurance companies in your area to find that one that will work best for your business.

 

What is the Difference Between Full Coverage and Liability Auto Insurance?

There are two types of auto insurance. You should know the difference as a consumer and you should understand why it is important to have auto insurance. Auto insurance can protect you or your property, namely your vehicle, and help pay for hospital bills and other liabilities due to driving. Coverage depends on your policy, but an agent can help you to determine the best policy to go with. You can contact an agent at General Insurance Agency in Clovis, NM to secure either liability or full coverage automobile insurance. 

What is Liability Insurance?

Liability auto insurance is the basic minimum type of auto insurance that you can get. It will cover medical and property damages from a car accident in which you are at fault. You are responsible to pay for any damages that your liability auto insurance coverage does not cover. Liability coverage is usually required to have by law. Your own vehicle is not covered by your liability policy. It only covers the damage to others. That is why it is called liability: because it only covers your liability to others. There are different levels of coverage. Talk with a Clovis, NM agent at General Insurance Agency to learn more. 

What is Full Coverage Insurance?
Full coverage auto insurance is coverage that provides both liability coverage as well as other coverage for your own vehicle. That includes collision and comprehensive coverage. The insurance costs more but it will cover the damage to your own vehicle as long as the deductible is paid. Comprehensive coverage means that other damages like those due to weather, vandalism or grand theft auto. Towing fees, car rental fees, and higher medical coverage can also be selected with a full coverage policy. 

How to Determine What Kind of Commercial Insurance You Need

Commercial insurance is a unique type of insurance in that there is no specific policy that you can choose. It is one where you can actually build what you need into the insurance plan so there are no two insurance policies that are the same. This is true even in Clovis, NM and if you are looking to get a commercial insurance policy for your business, General Insurance Agency can help you. 

Because no two businesses are exactly alike, there are no two commercial insurance policies that are as well. You want to be able to choose the things that you need in an insurance policy to make it work for you. In order to determine how this insurance policy will look, you need to take a look at what you need specifically from a commercial insurance policy. There are a lot of things to take into consideration including things like workers compensation and coverage for any machinery that you may have. It may even be helpful to take a look at some of the most common coverages so you can make sure that you get exactly what you need from your policy. 

Because there is so much that can be covered by a commercial insurance policy, you want to make sure that you cover everything that you need. This can be hard to do if you do not know what to consider or if this is your first commercial insurance policy. If you need help figuring out what you need in your policy to make sure that your business is completely covered, be sure to reach out to us here at General Insurance Agency, serving Clovis, NM. We can help you find the right policy that will fit into your budget. 

Put Your Car in Your Garage (Your Insurer Will Love You For It)

One of the biggest contributors to people’s cars being broken into in Clovis, NM is when the same car owners make it easy for thieves and vandals to access the car. Folks who are in the business of looking for easy opportunities most often roam for quick grabs. And leaving one’s car outside and, in some cases, unlocked, makes it much easier for a thief to help himself than if the car is in the garage. The more barriers between a thief and a target, the more likely that a thief is going to opt for an easier alternative.

The home garage is far more effective than an ignition lock, a sound alarm, a neighborhood watch or even a wheel block. That’s because the garage door literally takes the car out of sight. Further, it elevates the crime in Clovis, NM when a criminal gets caught by the police. It’s one thing to grab a small item from the car or break a window. In most jurisdictions, that’s a misdemeanor. However, once a person breaks into a home, even a garage, they have definitely crossed into the felony territory. And if someone is home, it changes from a larceny into a burglary, and even more serious felony class. So many thieves avoid homes altogether, opting for the easier path in theft crimes from what General Insurance Agency experts have seen with claims.

To find out how much of a difference a garaged car can mean for your auto insurance, have a chat with the folks at General Insurance Agency. They can get right down to the details of how the simple garage can mean big difference savings for your car insurance policy.

How Much Auto Insurance You Legally Have to Have

Auto insurance is something that can be a bit tricky for some but it doesn’t have to be. Here at General Insurance Agency, serving Clovis, NM, we know that you simply need to have the minimum amount of coverage based on the laws in the state. You do not have to any anything more unless you want to have it but you cannot have anything less or you will be breaking the law. As long as you meet the minimum requirements for the state of New Mexico, you will not have any issues.

What Are the State Minimum Requirements?

In the state of New Mexico, the laws for auto insurance outline that drivers of vehicles are required to have minimum liability auto insurance. There are also specifically set amounts of coverage that are needed. Drivers need to have at least $25,000 in coverage for bodily injury to or death of one person, $50,000 in coverage for bodily injury to or death of two or more persons, and $10,000 in coverage for property damage in any one accident. Keep in mind that these are all liability coverages.

Now that you know what is required of you in order to remain legally compliant in terms of auto insurance in Clovis, NM, you need to make sure that you have that coverage. If you are not sure how much coverage you currently have and if it meets the minimum requirement, we can take a look at that for you. if you do not have a policy, we can even get you a free quote for coverage that will ensure you are following the law and also staying within budget. Be sure to reach out to us here at General Insurance Agency today to get started.

5 Easy-to-Overlook Things That Can Affect Home Insurance and Rates

Shopping for home insurance, either for a new home purchase or for better rates, can lead to numerous questions. Some of the most common involve what actually affects those rates. While some issues are common knowledge, there are also topics that can easily be overlooked. A quality general insurance agency serving Clovis, NM and the surrounding area is going to want their clients to have this information.

Below are 5 things too many homeowners overlook and how they can affect their rates.

1. A pool. Having an inground or above ground pool can be fun, especially for kids and barbeques, but they can significantly raise home insurance rates due to liability. These are called ‘attractive nuisances’ and it’s essential to follow all local laws and ordinances to limit liability.

2. Home-based businesses. Even if a person is simply offering services (not products), they open themselves up to external liability, which can put their home in jeopardy, too.

3. Dogs. There are certain breeds of dogs that are considered major liabilities, especially for attacks against strangers and even family and friends. A general insurance agency should be willing to share which breeds they consider too risky. 

4. Home remodels. If you plan to remodel your home, that can be exciting. Just keep in mind the type of renovation can often have a direct impact on your insurance rates. Contact that general insurance agency in Clovis, NM for more direct details.

5. Home security. Having a quality, reliable home security system and taking other steps to shore up security in your home can help you find lower rates, thus saving money each month on your premiums.

These are just a few ideas that can help save money on home insurance rates.