The 1966 GTO, 1970 NOVA, and the 1960 T-Bird are all classic cars. Of course there are many more. We know the value you place on your classic car and have classic car insurance options for you. We specialize in insuring antique and classic cars, restorations, replicas, and even the modern classic car.
Classic Car Insurance
You need the right kind of classic car insurance to protect your investment. Standard insurance may not be right for your collector car. We can protect your valuable asset with classic car insurance. There are some special classic auto insurance needs you may have which we have listed below.
Remember, we insure fun. We can also handle your motorcycle insurance, RV, ATV, boat and hatches. Call us today.
Auto insurance plays an important role in society. It protects you from liability and covers the damage in the event of an accident. Remember each auto insurance policy is different, and if you purchased your auto insurance online you may not have proper coverage. Claims will be paid based on your individual auto policy terms and conditions. Check out these interesting claims.
Auto insurance claims
· A teenager drove the family van into the swimming pool; he pushed the gas rather the brakes.
· An elderly man filed a claim after neighbors witnessed his wife drive through their garage door, through the living room and into their camper trailer, pushing it into the home's septic tank, resulting in the entire carport collapsing.
· A family was driving home from Christmas tree shopping, and they tied the tree to the top of the car. The tree flew off the top of the car and hit two other vehicles causing damage and injury.
· One day, a dog discovered a raccoon in his owner’s garage. The dog scared the raccoon and caused him to climb to the nearest safe place-- the roof of the dog-owner’s Lexus. While the raccoon and dog both suffered some damage, the biggest casualty was the Lexus. The entire body of the car was covered in claw and scratch marks, requiring a complete body makeover.
· The owner of a 1961 Ford was working in the garage when his 10-point mounted buck fell off the wall and directly onto his precious car.
· All these claims were subject to policy terms and deductibles.
Auto Insurance Coverage
According to III.org, Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability, physical damage and medical coverage.
Many people don't fully understand what their auto insurance policy covers and excludes. To avoid making costly assumptions, it pays to know what's included in your policy. We are here to help answer all your insurance questions.
Auto Insurance and theft coverage
Every 26 seconds a motor vehicle is stolen in the United States. According to the FBI's Uniform Crime Reports, of all motor vehicles stolen, 73.9% were automobiles. The most popular cars for thieves are; 1996 Honda Accord, 1988 Honda Civic, 2006 Ford PU and 1999 Chevrolet PU.
Your auto insurance may provide coverage in the event your vehicle is stolen, if you have the right coverage. If you bought your insurance on line in15 minutes, you might not have coverage. You will need auto comprehensive coverage on your policy to cover auto theft. Your liability coverage will protect you if there is third party damage.
We are an independent insurance agency with access to many markets, and we shop your account for the best possible combination of price, coverage and services.
How to prevent your car from being stolen
· Never leave your car running while unattended.
· Never leave computers, phones or other valuables inside your car. If you must leave valuables in your car, place them in the trunk where they are not as easily seen.
· Park in well-lit areas.
· Alarms or anti-theft devices work: Thieves are usually looking for the "easiest" target. If your car has an alarm, it could act as a deterrent. But don't make this common mistake: Just because you have an alarm, doesn't mean thieves won't break-in, IF you leave valuable items in plain sight.
· Lock ALL of your vehicle's doors: This is true even if you plan on only being gone for "just a second". Remember, it only takes seconds to steal items from your car. It's not uncommon, for thieves to walk down a row of parked vehicles, looking for unlocked doors. Also, make sure car windows aren't left open.
A stolen car can be a real headache that can have some serious side effects on your future insurance premiums and your lifestyle. Keeping thieves away, helps to keep everyone’s insurance costs down. Doing what you can to prevent an auto theft will not only save you hassle, it will save you money as well. So stay safe--on the roads and in the parking lots as well!
Kohler and Green Insurance serves the insurance needs of clients throughout Western Arkansas and Eastern Oklahoma. We invite your inquiries! We are prepared to provide you with a no cost, no obligation review and comparison of your insurance
Auto Insurance Rate Increases
There are many factors that may cause your auto insurance rates to increase. These factors might include having a number of accidents, adding teen drivers or buying a newer car. The primary factors that will contribute to increased auto insurance rates are moving violations. Also, drivers who file an auto insurance claim will see their rates climb by an average of 38% nationwide, while those who file two claims within a 12-month period can expect to pay nearly twice as much as claim-free drivers, according to a new report by Quadrant Information Systems.
The Most Expensive Auto Violations Nationwide Include:
1. DUI—93% increase in insurance premium
2. Reckless driving—82% increase
3. Speeding—30% increase for 31+ mph over the limit
28% increase for 16-30mph over the limit
21% increase for 1-15mph over the limit
4. Careless driving—27% increase
5. Failure to stop—19% increase
6. Failure to yield to pedestrians—19% increase
7. Driving in a carpool lane—18% increase
How to Keep Auto Insurance Rates Down
Be a defensive driver.
Combine your home and auto with one insurer. If you purchase your auto, homeowners and umbrella coverage from one carrier, for example, the impact of violations on premiums may be less severe.
Use an independent agent who can shop your insurance on a regular basis.
Arkansas Business Insurance
There is no question that operating a business in Arkansas or Oklahoma comes with certain risks. But there are also many benefits. The range of business threats is evolving rapidly but your organization can thrive and gain a competitive advantage if you know how to manage your risk. Here are a few simple ways to manage risk:
1. Follow insurance company loss control recommendations. These are designed to reduce the probability of a loss and to reduce the severity if a loss occurs.
2. Develop an employee handbook. Having a set of procedures involving roles and responsibilities will help reduce employment issues in the long term.
3. Evaluate your facilities. Unused equipment, obsolete security systems and lack of attention to risks on the site present significant potential for loss. Insurance companies encourage all business owners to maintain clean and safe premises for the health and safety of employees, vendors and customers.
4. Make safety a priority. Having a safety program can not only reduce your costs but will improve employee productivity.
5. Train your staff. Employees perform better if they have an understanding of what their roles and responsibilities are. Make safety part of every job description.
6. Keep employees healthy. A local company, for example, has instituted a comprehensive wellness program that includes disease management for afflictions such as asthma and diabetes, as well as offering flu shots, cancer screenings, smoking-cessation sessions and a round-the-clock phone line staffed by nurses. The company found that for every dollar it invested, it saved $4.23.
7. If your business changes, your insurance should too. Meet annually with us to determine whether your business has changed in significant ways that require modifying or adding coverage.
8. Raise your deductible. Raising the deductible on your insurance usually lowers your premiums. Even if you end up having to pay the deductible, it's likely to be less than the amount you save.
The Agents of Kohler and Green are proven professionals - caring and conscientious people who earn your trust. We are the kind of people you can depend on, and have made a commitment and maintain a high standard of excellence in all that we do. Our clients enjoy a solid relationship of mutual trust.