4 Tips for Summer Car Care

4 Tips for Summer Car Care Time to get that A/C cranking! Summer is here and all the dust, heat, and busy traffic that comes with it can have harmful effects on your vehicle. Understanding how to properly take care of your vehicle in the summer can prevent many issues further down the road. To get you started, here are four helpful tips on summer car care that will keep your vehicle in ideal condition over the summer months. [Read more…]

Adding Teen Drivers to Auto Insurance

adding teen drivers to auto insurance, TJ Woods Insurance Agency, Worcester, MAIt is normal for parents to worry when their teen gets behind the wheel for the first time. What is more frightening are your insurance rates increasing. Fortunately, we have ways for you to keep your teen drivers safe and save money on increased premiums.
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The Relation Between Risk and Insurance

Man pulling a block out of towerAll insurance, from homeowners insurance for your home to health insurance for your body, is about chance. What is most likely to occur, and how often it can occur. The types of general insurance out there cover what they cover because those are the most likely risks that can occur. The frequency and cost to compensate for the risk explains how much you pay on your insurance premiums. By understanding the relation between risk and insurance, you get a better appreciation of insurance and how to reduce its costs. [Read more…]

Driving Safety: Defensive Driving Basics

Cars in Side MirrorMassachusetts is a state with an infamous reputation when it comes to our drivers. Angry honking and aggressive driving are hallmarks of any morning or evening commute. In Worcester, our own Kelly Square has such a reputation you can buy bumper stickers that say “I Survived Kelly Square”. For some, all of this is a point of pride, but for many others it can be a source of anxiety. Regardless if you’re looking to drive more defensively to avoid accidents, tickets, lowering your insurance, as part of driver rehabilitation, or just for the added safety, it’s time to learn the basics. [Read more…]

Car Safety: The Right Child Seat

Child Seat in CarAutomobile safety is a big concern in America. There are lots of factors that come into consideration: weather, animals, and other drivers on the road. So with all of these factors it is important to know how to keep you and your passengers safe in the vehicle. Children especially need to be taken care of because at a young age they need more protection in the car. A good way to keep your child safe is to know how to properly use a car seat and make sure you have your child in the age-appropriate seat. [Read more…]

Non-Owned Auto Coverage to Protect Your Employees

man in suit driving his carYour company has employees, and your employees have cars. When they use their cars on behalf of your business and get into an accident, who is liable for the accident? In our blog When Do You Need Commercial Car Insurance? we took a look at some examples where the line becomes blurred and insurance policies revoke their coverage. Today we’ll go over signs that your company needs to provide insurance for your employees, and how a non-owned auto coverage policy might be the right choice between no coverage and getting company cars with commercial vehicle insurance. [Read more…]