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Protecting Your Classic Car

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Antique Car Insurance

Owning a classic car is much more than just owing another vehicle, it is owning a piece of history, which is why it is so important to make sure that you find the right amount of insurance protection for your collectible car. Knowing what to look for in a classic car insurance policy will help to ensure that you are able to properly cover your classic car from any peril.

One of the biggest differences when it comes to insuring your classic car is the agreed value. While it is easy to determine the value of your daily driver, it is much harder to determine the value of your classic car. While newer cars lose value each year, many classic cars can actually increase in value. When looking for the right amount of insurance for your classic car, you will work with your insurance agent to decide on an agreed value of your classic. If your car is a total loss after theft or an accident, you will receive a payout for the total agreed value, minus what you pay for the deductible.

In most cases, a classic car insurance policy will be much cheaper than a typical auto insurance policy. Since most people do not drive their classic cars every day, they are at less of a risk of being involved in an accident. In order to keep the costs low, many insurance companies will also put restrictions on your classic car, including how many miles you can drive each year, and where the car must be kept to help avoid damage. Talking with your insurance agent will help to ensure that you find the exact policy that will work for your needs.

For all of your antique car insurance needs when looking to insure your collectible car, contact the insurance professionals at Cappuccino Insurance Agency in Westlake Village, California.

Happy New Year From Cappuccino Insurance Agency!

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The Team At Cappuccino Insurance Agency Wishes You Happy Holidays & A Happy New Year!

Thank you for allowing us the opportunity to serve you for your insurance needs in 2014. We have been grateful for a wonderful year with our valued clients like you in Westlake Village, Conejo Valley, and all of California, and are looking forward to continuing to partner with you in 2015.

For comprehensive coverage and competitive rates for all of your insurance needs in the New Year, contact our team today. We want to offer you the best coverage for your home insurance, auto insurance, renters/condo insurance, life insurance, and commercial insurance. Whether you are due for your annual review or want to rework your policies from the ground up, we can meet your insurance needs in 2015.

We Send Warm Wishes To You and Yours For 2015 And Beyond!

 

2015’s Top Safety Picks

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Which Cars Measured Up To This Year’s Safety Tests?

Each year, the Insurance Institute for Highway Safety (IIHS) tests the year’s cars by running them through rigorous crash tests. They have released the champions for 2015, with the Hyundai Genesis emerging as the forerunner with perfect scores. Take a look at this year’s seven safest rides on the road.

  1. 2015 Hyundai Genesis: This luxury car excelled in the crash tests, even stopping the car moving at 25 mph before it hit a solid object with its automatic brake function.
  2. 2015 Subaru Legacy: Surpassing the safety of last year’s model, the 2015 Legacy earned high marks on every crash test it endured. Especially notable was its “superior” rating for the optional collision warning system Subaru offers.
  3. 2015 Chrysler 200: Also scoring high in every test, the Chrysler 200 was noticed for its auto brake collision warning system that helped it earn a “superior” rating in front crash prevention tests.
  4. 2015 Volkswagen Golf/GTI: With “good” scores in the side crash test, rollover test, roof test, head restraint test and small overlap front crash test these smaller Volkswagen cars both earned Top Safety Pick titles.
  5. 2015 Hyundai Sonata: This midsize car earned a “good” rating in the majority of its safety tests, and with a mid-range price tag it is sure to become a popular pick this year.
  6. 2015 Subaru Impreza WRX: This famously fast car will keep its passengers safe, as it earned a “good” score on all of its safety tests.
  7. 2015 Honda Fit: When this car failed to pass the small overlap front crash test, its engineers redesigned its bumper. After running the tests again, the car received high enough ratings to be named a Top Safety Pick.

Let Cappuccino Insurance Agency in Westlake Village, California protect you in ways even your car cannot with a great insurance policy. Our dedicated team is committed to getting you the coverage you need for the most competitive rates. Contact us today for all of your Conejo Valley auto insurance needs!

Dangers of Texting and Driving

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There are many dangerous distractions that can happen on the road, with texting one of the most dangerous distraction. With all that cell phones can do, such as browsing the web and texting your friends, most people can be easily distracted while behind the wheel.

Texting and driving is especially dangerous because it involves all three forms of distracted driving, which are visual, manual, and cognitive. This means that texting whole driving not only impacts what a driver sees, but also how they respond to the events and the amount of time that it takes them to respond. Even hands free driving devices can be big distractions on the road. Studies have shown that driving while using a cell phone, with or without a hands free device, is the same as driving with a blood alcohol concentration of .08 percent.

Almost 3,328 people were killed in 2012 by distracted drivers, and 421,000 people were injured is distracted driving accidents. Since 2010, it is estimated that at any moment during the day, 660,000 drivers are using their cell phones while behind the wheel. More than ever before, adults are using their cell phones while behind the wheel. Overall,

  • 27 percent of adults admit to texting while driving.
  • 24 percent of fatal accidents with one or more drivers between 30 to 39 years of involved cell phone use.
  • 22 percent of fatal accidents with one or more drivers under the age of 20 involved cell phone use.

Having the right auto insurance policy can help to provide the protection needed in case of an accident with a distracted driver. Contact the insurance professionals at Cappuccino Insurance Agency, located in Westlake Village, California for all of your auto insurance coverage needs in the Conejo Valley area.

Driving without Distractions

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Distracted driving was the cause of over 3,000 deaths in 2012 according to the U.S. department of transportation.

What is distracted driving?

Distracted driving is considered anything that diverts the driver’s attention from driving. Distractions include, but are not limited to, the following:

  • Texting
  • Eating
  • Grooming
  • Reading
  • Talking (on a phone or to other passengers)

Preventing Distracted Driving

Follow these three tips to reduce distractions while driving:

  • Out of sight, out of mind

Cell phones are known for many kinds of distractions from their GPS capabilities, to talking or texting while driving. Keep your cell phone in your purse or pocket while driving so it’s not a temptation to use.

Keep loose items stored away in the car. Anything that could fall or roll and cause you to look or reach for it, will cause a dangerous distraction. Before leaving the house, make sure that all equipment is stored. If you are transporting kids to a sports activity, this can often be challenging. Add a bin or box to your back seat or trunk and use it as a safe storage space.

  • All Systems Go

Adjusting the radio, mirrors, seats, or air conditioning can all result in distracted driving. Make sure that the car is ready–and all functions are where you need them to be for your comfort and the comfort of others in the car. Complaints from passengers will zap your attention as well.

  • Give it your Full Attention

Not only should the car be ready to go, but you should be, too. Don’t save eating and grooming for your drive. Make sure that all passengers have had something to eat ahead of time and that you are ready to go. If you must leave the house without getting yourself ready, leave extra time when you get to your destination to eat or put on makeup. ,

Secure your children and your pets. If you’re in for a long ride make sure you have something that will occupy both so that you’re not dealing with complaints or fights from the little passengers behind you.

These tips and more found at exchange.aaa.com.

At Cappuccino Insurance Agency in the Conejo Valley, we invite you to drive safe. Contact us today to discuss your auto insurance coverage needs.

Check out this distracted driving: http://sfglobe.com/?id=951&src=share_fb_new_951