Some insurance companies are offering “accident forgiveness” these days. This term typically refers to “forgiving” an accident so it does not increase the premiums on your policy. But is this always the best and most affordable option?
According to the National Association of Insurance Commissioners, you may be paying more on your premiums just by choosing the accident forgiveness option. If it is only offered as an add-on option to your policy, the cost could be higher than the increase in premiums following an accident. The only way it is more affordable service is if it comes as a standard part of the insurance policy.
Many insurance providers that offer the accident forgiveness option only offer it to drivers who have either been with the company for many years or if they have a clean driving record. Some providers may even offer it to new policyholders as a way to lure them to the company from their current insurance company.
Do you have the accident forgiveness option on the insurance for your VW cars? If so, now may be a great time to reevaluate your policy and calculate the costs of your premiums. You may just be paying more than you need to for something that you may never use.
When you are in your VW cars by yourself, it’s easy to choose a radio station. If you want to catch up on the latest news, you listen to a talk radio station.
If you want to “jam out,” you find your favorite rock station. Or you might even be in the mood to chill, in which case you would turn it to your favorite “coffeehouse” station.
What happens when your spouse or children are in your VW cars with you?
Who chooses the radio station then?
If you’re like me, you end up playing “DJ” if you are driving around with your kids in the backseat. “Turn this song up, daddy,” I hear at certain songs. “I don’t like this song…change the station, daddy,” is another popular phrase.
But it’s even worse when my wife rides along with me. “Why do you always listen to talk radio?” she always asks with an “It’s boring” added to the end of her question. It makes me long for the peacefulness that can only come with driving alone.
Do you face similar challenges when your family rides along with you in your VW cars?