Wearing a seatbelt is one of the most important safety measures you can take when driving here in the Huntington, WV area and everywhere you go. Not wearing one can lead to serious injury or even death in the event of a crash. Wearing a seatbelt is also required by law in most states and strongly recommended by us at Partners Insurance & Financial Services Inc., so it’s important to make sure you and your passengers always buckle up before hitting the road. 

Why you should always wear a seatbelt

There are several reasons why you should always wear a seatbelt when driving. One important reason is that wearing a seatbelt significantly reduces your risk of serious injury or death if you’re involved in an accident.

Studies have shown that seatbelts reduce the risk of fatal injury by 45% for front-seat passenger car occupants and by 60% for light truck occupants. In other words, the use of seatbelts can drastically reduce your chances of being severely injured or killed in an accident. 

Another reason to wear a seatbelt is that it keeps you and your passengers secure in case of sudden stops, swerves, or sharp turns while driving. Without a seatbelt, you run the risk of being thrown from the vehicle and suffering catastrophic injuries when this happens. Seatbelts keep everyone inside the car and reduce potential damage to people and property in case of an accident or sudden stop. 

Finally, always wearing your seatbelt helps to protect others on the road as well as yourself. When you don’t buckle up, not only are you putting yourself at risk but also any passengers who might be riding with you as well as drivers around you on the road.

Need Auto Insurance? Reach Out To Us!

For more safety tips, call us at Partners Insurance & Financial Services Inc. today. We proudly serve the Huntington, WV area.

Technology makes it easier than ever for auto insurance companies to rate drivers and rate individuals who live in the same home. The ratings are then used to help determine how much you should pay in auto insurance premiums. One of the tools that are becoming more and more common is a tool called household ratings.

At Partners Insurance & Financial Services Inc., serving the greater Huntington, WV area, we have had clients ask what household ratings are and why insurance companies use them. Keep reading to find the answer to this question. 

What Does It Mean If an Auto Insurer Utilizes Household Ratings?

When an auto insurer uses a household rating system, they assess every driver over the age of 18 who lives at one address. They determine how many accidents or tickets each of those drivers has had recently, and then they base your policy premiums on this. The logic behind this is that you and those who live with you may share vehicles. 

What If You Don’t Agree With the Household Rating System? 

If you have a driver at your residence who has a bad driving record, they can cause the insurance company to provide you with a rating that causes your rates to skyrocket. However, most insurance companies will allow you to exclude the bad driver from your policy, meaning that that driver will not be covered if they drive your car. This helps to ensure your auto insurance rate is set based on your driving record, not your household driving record. 

Contact Us Today

Technology has changed the way that auto insurance companies decide how much someone will pay for auto insurance. However, this does not mean that you have to pay more than you should for auto insurance. If you are looking for fair and reasonably priced auto insurance in the greater Huntington, WV area, the agents at Partners Insurance & Financial Services Inc. can help you find a new auto insurance policy. Call us now to get started. 

If you’ve recently made a major life change such as getting married, moving to a different state, or adding a child to your family, you’ll want to be sure to update your auto insurance policy to reflect these changes. Out-of-date auto insurance policies can be a hassle and can be especially bad if you discover you’re not covered for something because of it.

At Partners Insurance & Financial Services Inc., serving the Huntington, WV area, we pride ourselves on helping drivers navigate the world of auto insurance and find a policy that suits their needs.

When To Update Your Auto Insurance

If you’ve recently added a new car or a new driver to your house, it’s time to update your auto insurance policy to reflect that change – and the sooner, the better! Updating your policy helps to ensure that the new car or driver is properly covered under the terms of the policy so that, in the event of an accident, they’ll be able to access the help that insurance can provide.

Leaving a new car or driver off of your policy can spell trouble for a lot of reasons, not the least of which is simply not being covered in the event of an accident, fire, theft, attack by vandals, etc.

Give Us A Call

Contact us at Partners Insurance & Financial Services Inc. today and we’ll help you find the right auto insurance policy for you, or help you update your existing policy to one that suits your needs better. We’re proud to serve the Huntington, WV area, and are glad to be of service to all drivers in the community. You deserve to enjoy driving, and having a good, up-to-date insurance policy will go a long way toward giving you that peace of mind.