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Insurance Tips: Risk Retention and Reduction for Low Auto Insurance By Hector Flamenco, Special to The Spectrum Everyone knows one of the most dramatic ways to lower your car insurance rate is to eliminate coverage. Some do this by dropping liability limits while others drop collision and comprehensive coverage on older vehicles. When you do this, you are assuming more risk and creating less risk for the insurer. If your car is worth less than $2,500, why insure it with collision and comprehensive? The extra cost to insure it will probably surpass the value of the car within a year or so. The truth about deductibles is that having a higher deductible will lower your premium. Do you really want to pay up to $1,000 to get your car repaired or replaced? For many people, $1,000 isn’t all that easy to come by. A common deductible — and a better choice for most drivers with comprehensive and collision — is $500. The deductible is the amount paid by you for each incident. In summary, anytime you put the risk on yourself, you’ll pay less in premiums. Risk retention is accomplished by selecting lower limits of coverage and higher deductibles. Reducing risk is the second-best way to lower your auto insurance rates. According to insurance companies, your risk is reduced when you buy the sedan versus the sports car, when you drive less than 7,500 miles each year and when you keep your driving history clean of tickets and car accidents. The final way to make sure you are getting lower auto insurance rates is by comparing the wide variety of plans available. Some insurance companies are built to save more for senior citizens while others are set up to save more for newer drivers. It’s really tough to tell which company will offer the best rate since each company rates so many factors — differently. There is a chance that if you own your own home, you will be seen as a more responsible individual. Or perhaps the insurance company will offer you a lower rate in hopes of also selling you homeowners insurance either now or down the road. There are many ways we show our responsibility. Of course, maintaining a clean driving record is one of the best ways to maintain a low auto insurance rate. Editor’s note: Please note that this article is for general information only and is not a professional consultation. Always seek specific information from a licensed insurance professional. Hector Flamenco is an agent with State Farm Insurance. Visit his website at www.flamencoinsurance.com. Let your opinion be heard! Send your letters to letters@spectrummagazine.net or Opinions & Letters, The Spectrum Magazine, P.O. Box 862, Redwood City, CA 94064 Letters to the editor should be no longer than 300 words. Columns should be no longer than 750 words. Illegibly written and anonymous letters will not be accepted. Please include a daytime phone number where we can reach you. Senior Activities The following activities are open to the public during the month of February at the Veterans Memorial Senior Center, 1455 Madison Ave., Redwood City. Please note: The center will be closed Monday, Feb. 20, to celebrate Presidents Day. Friday Movies for Everyone Every Friday, 1:15 p.m. (unless otherwise announced) Come to the Veterans Memorial Senior Center for a free feature movie in our state-of-the-art movie theater! Feb. 3: “Money Ball” Feb. 10: “Ides of March” Feb. 17: “Rise of the Planet of the Apes” Feb. 24: “Real Steel” AARP Tax Assistance Wednesdays, Feb. 2 through April 11 By appointment only Call to make your AARP tax assistance appointment at 650-489-6023. Leave your name and phone number and an AARP volunteer will return your call to make the appointment. Valentine’s Day Luncheon Tuesday, Feb. 14, noon Redwood Room $7 Come join the fun! We will have a special Valentine’s Day menu. Call 650- 780-7259 to make your reservation now. 3rd Annual Hot Rod Bunko Saturday, Feb. 25, 4:30–9 p.m. $50 per person This fun-filled event benefits our Redwood City Special Needs Program and is hosted by Golden Gate Street Machines Unlimited and Chuck and Anne Camilleri. The event includes Bunko, dinner and door prizes. Kick back and spend the evening with great people having a great time for a great cause. The event will be held at 975 Industrial Road, Suite A, San Carlos. For further information, contact Chuck or Anne at acamil1462@sbcglobal.net or call 650-568-0565. SAVE THE DATE AARP Driver Safety Renewal Class Saturday, March 17, 9 a.m.–1 p.m. Wellness Center, Room 20 $12 AARP members, $14 nonmembers This is a renewal class. You must have taken the full two-day class within the past three years. You may be able to receive a discount on your insurance after completing the class. To enroll in the class, call 650-780-7270, leave your name and number and you will be contacted to confirm your enrollment. To learn more about the Veterans Memorial Senior Center, call 650-780- 7270. Redwood City Parks, Recreation and Community Services Department provides recreational facilities and activities for all ages and interests, and supplies building and custodial services for city buildings. Redwood City Parks also operates the Veterans Memorial Senior Center and the Fair Oaks Community Center, providing social, educational and cultural activities, as well as information, referral and counseling services to persons living in Redwood City and neighboring communities. Redwood City Parks is more than you think! Its website is located at www.redwoodcity.org/parks. www.SpectrumMagazine.net
As I Was Saying… (Continued from p6) I was surprised, and have been surprised, that Aguirre and Vice Mayor Jeff Gee did not have or give a stronger stance on the issue of high-speed rail. Both are taking a wait-and-see approach to the issue, as is the council. I guess it is their prerogative to not take a side, but it would be nice to hear someone state that a high-speed Corrin station is Rankin not something we want or need in our community. Just saying. .… In regard 6 368-2660 to redevelopment funds, or now the lack thereof, many in our community are concerned about the activities on Courthouse Square, including 5the Friday night concerts, movie nights and special activities. They are provided by those funds, and one would think that since the money is going away, 0 so will they. Well, not entirely correct. There is a group of concerned city staff, business owners and residents who want the activities to continue. Those people have attended a downtown events “stakeholders” workshop to “discuss the sustainability of Downtown Events, define a 234 future vision, Marshall and insure partnership Street inclusion.” #100The workshop was organized by the Redwood City Parks, Recreation and Community Services Redwood department, headed City, by CA Chris 94063 Beth, and facilitated by a member of the Peninsula Conflict Resolution Center. With the theme of “Redwood City Core Purpose: Build a Great Community Together,” the workshop focused on how to keep downtown events sustainable, Se Habla what partnerships Españolshould be explored, CA Insurance how events Lic. complement #1842835 businesses, and event offerings for 2012. Results of the workshop will be announced next month, as will a preliminary list of activities starting in June 2012 and going through September. Is it just me, or are you feeling optimistic too? As I was saying… .… 6 5 0 368-2660 Corrin Rankin 234 Marshall Street #100 • Redwood City, CA 94063 Se Habla Español CA Insurance Lic. #1842835 Proudly serving Redwood City and surrounding communities A cleaner, greener environment ... one stop at a time! (650) 595-3900 Visit RecologySanMateoCounty.com RSMC_RWC_AD.indd 1 6/24/2011 11:11:52 AM The Spectrum 25
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