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Lancette Agency LLC Blog: car insurance

View the latest blog posts from Lancette Agency LLC.

A deer runs out onto the road. You notice a dog in the street at the last second and have to brake hard. These types of instances can be challenging to manage. Your auto insurance policy may cover some or all of the damage you experience if you can't avoid a crash with an animal. READ MORE >>

Here in Minnesota, we're used to dealing with winter weather and hazardous roadways. But, if you're a new resident, or don't hit the roads often, your winter driving skills might need work. Snow, ice, and other weather can easily make for hazardous roadways. The risks for accidents or breakdowns skyrocket during winter storms. READ MORE >>

Most car insurance policies contain the ability to make an adjustment to the basic plan. This change in the policy is known as an insurance endorsement. In most situations, an endorsement a change to the base policy that you, as the policyholder, has requested. READ MORE >>

If you're married and/or have children, you may have multiple drivers listed on your auto insurance policy. This may especially be true if several people share the same vehicle. But on the other hand, there may be certain people that you do not want driving your car. This may be because this person: READ MORE >>

If you've ever loaned your car to a friend who then allowed another person to drive your car, you may have been a little concerned about coverage. You may have wondered about what your auto insurance would cover if the third party were to be involved in an accident. READ MORE >>

Imagine paying for car insurance not based on the driving habits of your demographic, but rather on the way you actually drive as an individual. This is the essence of usage-based insurance — in which a telematic device is installed in your car and tracks your driving behavior. READ MORE >>

Most Americans spend a large chunk of time in their cars, making it necessary to keep certain items handy for both comfort and in case of emergency. You probably keep a tire jack and jumper cables in your trunk, but there are also several items that should be kept at arm’s reach in the glove box. READ MORE >>

Winter road conditions can be tough to navigate for any driver, whether experienced or not. In colder climates, it’s likely that you’ll experience a loss of traction at some point during the harsh winter months and it’s important to familiarize yourself with these situations before you find yourself in one. READ MORE >>

It’s one of life’s certainties: the summer will finally come to an end and the unsettled weather of fall and winter will arrive. This not only puts an end to fun in the great outdoors for millions of Americans; it makes driving conditions in many states a lot more difficult too. READ MORE >>

You've got a lot to check off of your list for your summer vacation. You need to check on camp ground reservations, get everything packed and convince your kids that they're not going to die without Internet access. There's one additional thing that you don't want to forget: proper insurance for your recreational vehicle. READ MORE >>

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