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NorthGroup Insurance Services, Inc

13903 S Old Statesville Rd
Huntersville, NC 28078

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3824 Barrett Dr, Ste 101
Raleigh, NC 27609

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Questions To Ask Yourself When Buying Auto Insurance

Shopping for auto insurance is a tricky process, and not everyone is an expert. Many people buy a policy solely based on their friends’ and family members’ recommendations by not considering their own needs and other factors. However, in order to make the right choice and not to regret about it afterward, there are certain questions you need to ask yourself when shopping for car insurance: 

What Is My Risk Assessment?

The cost of your insurance depends on numerous factors. One of them is the risk you are posing towards an insurance company. The higher risk is, the more expensive your insurance will be. In order to determine the overall risk you pose, the following factors are taken into consideration: your age, sex, driving history, location, credit score, and some others. Think about your risk level and do some research before reaching an insurance company

What Type of Car Do I Drive? 

The cost of your insurance also depends on the type of car you own. For example, if you have an expensive sports car, it is at risk of being stolen. Moreover, the repairs of sports cars are generally cost more than repairs of average standard vehicles. 

Where Do I Live and Park My Car? 

Your address and location where you park your car plays an important role. For example, if you live in an apartment in Raleigh, NC, and park your car on the street, you are more prone to theft or vandalism. This factor will most likely increase the rate of your auto insurance. Therefore, before getting a certain plan, think where you are planning to park your car and how safe the environment is. 

Choosing the right coverage for your car is not easy. Even if you have answered the questions above, you still might be not sure what policy is better for you. Do not worry – Young Insurance Associates Inc serving Raleigh, NC and other surrounding towns are ready to assist you and guide you through this process. Call Young Insurance Associates Inc today to find out how we can help to protect your vehicle. 

Summer car maintenance checklist: Help your vehicle beat the heat

Dehydration, heat stroke, serious sunburns — we are all accustomed to the dangers of hot weather presents for our bodies. However, how often do you stop and think about how soaring temperatures impact your automobile? Before the mercury rises this year, use these tips and tricks to stay on top of the weather and other summertime issues. Every preventative measure taken will help keep your car running smoothly on the road and help you avoid major breakdowns and potential accidents due to lack of maintenance.

Check your tire inflation

Car tire inflation rises and falls with temperature. In the winter, cold air can lead to underinflation. If you added a few pounds of air to your tires in the last cold snap, it may be time to bleed some air off before the next heat wave. This is important because overinflated tires will wear out more quickly and, potentially, increase your likelihood of facing a hazardous driving situation due to a failing tire.  Use an air gauge to measure inflation. If it’s above the recommended PSI printed on your tire — generally 32 to 35 PSI for a passenger car — let some air out and measure again.

Check your oil between oil changes

If you already get your oil changed at prescribed intervals, congratulations are in order. You are investing in the long-term health of your vehicle. Consider taking it one step further during the summer months by checking your oil in between changes. If your engine is older or not running optimally, it’s working even harder in the hot weather to stay cool and power your AC. If your oil dips too low, serious engine problems and roadside breakdowns can follow. Regular peeks at the oil level also allow you to check for signs of debris or discoloration on the dipstick. Dirty oil can indicate a mechanical problem you need to get checked as soon as possible. 

Keep other fluids up-to-date

Summer brings changes beyond temperatures. Increased bird activity and an abundance of insects can lead to windshield spatter of varying types. Keep your windshield wiper fluid topped off so you can clean up in a pinch. Coolant also works double-time in the hot weather, so check your antifreeze’s quality to determine if a change is needed. Overheating your car can lead to a loss of power — a dangerous situation on a busy highway.

Stay safe on the highway this summer using the above safety tips, and visit Young Insurance Associates Inc online or in person in Raleigh, NC to discuss your automobile insurance needs and receive a quote for a new policy before hitting the road this summer.


Which Is Better Comprehensive of Collision Coverage?

Choosing the right type of insurance coverage for your vehicle can be confusing. While you want to save money, you need to protect your investment as much as possible in case an accident occurs. If you live in the Raleigh, NC area, you can call Young Insurance Associates Inc if you have questions about what collision and comprehensive forms of coverage.

Collision Coverage

Collision insurance will only cover damages received during a collision. This is basically accident insurance that covers damages to the exterior of the car if it is involved in any type of accident that involves a collision with another vehicle or an object. In some cases, if the dollar amount of the damage exceeds the value of the vehicle, the insurance adjuster will declare the vehicle a total loss.

Comprehensive Coverage

Comprehensive insurance coverage is often required by lenders who hold a lien on a vehicle. This ensures that their investment is protected as long as the buyer owes money. A comprehensive insurance policy covers all types of loss including broken windshields, hail damage, theft, vandalism, and collision. While this type of policy is more expensive, it provides full coverage for events that occur more frequently than a collision.

The agents at Young Insurance Associates Inc encourage their clients to get a policy evaluation every few years to determine if their insurance needs have changed. If your vehicle is old enough, comprehensive insurance may not be needed. In some cases, a PL/PD policy may suffice. If you live in Raleigh, NC or any of the surrounding communities, contact your insurance agent and schedule an appointment today! They will make sure you have a policy in place that best suits your needs. 

2 Reasons To Keep Your Full Coverage Even After Lein is Done

Full coverage insurance is required by lien holders to protect them in case anything happens to the vehicle. Full coverage in many cases, insures that the company who puts in a significant amount of money will not be at a loss if something happens to your car and you default on the loan agreement. In the state of north Carolina liability is required by law, and full coverage is required as part of most loan agreements. Many people choose to drop their full coverage after they fulfill their loan agreement to save a little on the difference of cost. It may seem like a way to pinch pennies but keeping full coverage, even when not required can end up saving you significantly.

  • The difference in cost is not significant, in fact the better your driving record the less the cost in general. It is not that much more to keep your car fully protected, so why not go above the minimum. 
  • When an accident does occur, the last thing you need to worry about is whether or not you are protected. If you have full coverage, chances are that you are indeed protected (check your terms when you purchase insurance). This means you can focus on healing your body and repairing your car, not the regret that you will also have to pay out of pocket for repairs. 

 In the end the cost of a new car is going to be significantly more than the cost of insurance. Contact us at Young Insurance to discuss your insurance needs to make sure that you are fully covered no matter the situation. We serve Raleigh, NC and the surrounding areas.  

Responsible Driving in Raleigh: How to Choose an Auto Insurance Policy

Being responsible in Raleigh, NC isn’t just about getting to work on time or remembering that your child’s clarinet practice ends at 6 p.m. on Wednesdays. Being out on the road means taking the responsibility of a car seriously. It doesn’t mean you have to be nervous when you’re on the road or in fear that you’ll make a mistake, but it does mean that you need to pay careful attention to the details. That means keeping an eye on swerving drivers in front of you, and having the right insurance policy to protect you against a calamity should it occur. 

What a Driver Needs

Young Insurance understands what the people of Raleigh, NC need to do more than just remind themselves to put their phone down when they’re on the road. Drivers need safety nets to fall back on if they want to continue to live their lives the way they want. Just one accident can make it much more difficult to save, and it can force people to make decisions when they’re defenses are likely down. When you have the right auto insurance policy that covers you from weather, criminal and careless driver behavior alike, you always have someone to call when you’re in need. 

Finding Some Help 

Young Insurance can give you more information if you’re looking for a policy that’s right for you. We give you the opportunity to take care of any gaps in the coverage you have now. We can walk you through the different kinds of policies to find the one that’s really going to serve as a protector for you and your family in the coming months. For more information about rates or services, call us to see how we keep the drivers of Raleigh safe. 

Save money while moving

If you are looking at moving, chances are you are also looking at moving costs. Outside of your employer covering moving expenses, transporting all of your belongings is a pricey ordeal. That is why it is important to do everything in your power to save money during the moving process. At Young Insurance, we know whether you’re moving to Raleigh, NC, leaving the city or are simply in the area, you want to save money and we aim to assist you doing so. 

Streamline What You Don’t Need

This is the perfect time for you to streamline what you do and do not use. After all, why should you pay money for boxes, moving services and spend time moving what you just never use. First, hold a yard sale. That is a good way to cut some of your items. Then, try to post items on services like eBay and Craigslist, offer up items to Goodwill and donate to local charities. This helps rid your home of costly items and it helps lighten your load. 

Why Pay for Boxes

Speaking of boxes, why should you pay money for hunks of cardboard when you can pick it up for free? You just need to know where to turn. Stop by local liquor stores and ask for boxes they no longer need. These are extremely strong and there is always a large number of boxes available, so you’ll likely never need to buy boxes ever again. 

Use Movers Just For Large Items

Don’t just rent out a moving crew for the entire time you load up the truck. Pay for an hour or two so they can move in the heavy material. From there, do the rest of the loading yourself (or ask for help from friends). 

What You Need to Know About Aggressive Driving

Aggressive driving is a problem, and these unsafe behaviors, such as tailgating and speeding, may lead to road rage. The scary thing about aggressive driving is that it can be fatal. It’s known to play a role in 2/3 of traffic fatalities. Half of people who encounter this type of driving behavior will respond in kind instead of backing off.

The good news is that you can take measures to keep aggressive driving from turning into road rage. If someone is tailgating you, simply move over out of the way. In a tense situation on the road, wave to show you are sorry to defuse the situation. Think about whether you’ve accidentally annoyed another driver and make changes to your driving if you have. Try to avoid using your horn, and if you encounter an angry driver, avoid making eye contact. Listening to music can even help when you’re driving. Remember, staying calm can keep aggressive driving from turning into something more serious and potentially deadly.

What causes road rage? You may be surprised at some of the reasons drivers end up dealing with road rage. Some experience it because they are stuck behind someone who is driving slow. Not being allowed to pass can also result in road rage, as can being given the finger while driving. Road rage often occurs because of two drivers who are fighting over the parking space they want. Being cut off, being tailgated, and having someone honk too much are also common reasons that road rage occurs.

Aggressive driving is a common problem that causes many vehicle accidents. Make sure you’re protected with a good auto insurance policy. Contact Young Insurance today for a new auto insurance policy or for a review of your current policy.

Tips for Navigating Traffic Laws Abroad

Traveling can be a lot of fun, but driving in another country is a little scary. Are you following all the local laws? Even if you are, are you driving in a way that might be considered rude here, even though it’s acceptable in the US? How do you deal with cops in your new country? Will your Young Insurance policy keep you covered abroad? Here are some legal points you need to know when driving overseas:

You’ll Need an International Driving Permit

When driving overseas, you’re going to need an international driving permit, as well as your state-issued driver’s license. Make sure to keep both on you at all times.

Pack the Local Driver’s Manual

You’re probably not going to be able to memorize all of a country’s road rules before you have to hit the road, but if you head to the country’s equivalent of a DMV, you should be able to get an English-language version of their manual that you can keep in the glovebox so that you always have a resource you can check when you don’t know what to do. A travel companion who can read relevant rules to you as you drive will be invaluable.

Don’t Skimp on Liability Insurance

You don’t know what can happen out there, and the chances of a fender bender or scrape-up are increased when you’re learning the rules of the road all over again. Your insurance provider may be able to set you up with a liability policy for a rental car abroad, but if not, car rental agencies offer additional insurance packages, and many credit card companies allow their users to buy insurance for rental cars through their card.

Call Young Insurance today to make sure you are covered for your next international traveling excursion.