Operating a commercial trucking fleet can be a profitable business. But, like any business, you want to make sure to protect your investment with insurance. You should be covered if one of your fleet gets in an accident or other mishap.
When it comes to commercial truck insurance in Peoria AZ, there are several things you can do to keep your insurance premiums down.
1. Increase Your Deductible
Believe it or not, you can lower your premiums by raising your deductibles. However, you should make sure the deductible you choose is one that you can afford to pay if something happens. Your commercial truck insurance agent can review your policy to suggest the best options for you.
2. Hire Drivers with Clean Driving Records
Just like personal vehicle insurance, where your premiums increase with traffic infractions or accidents, with commercial truck insurance, the driving records of your crew can affect your premium costs. When hiring drivers, try to find those that have less than two minor driving violations within three years.
3. Hire Drivers With Experience
You can also lower your premiums by ensuring your drivers have at least two years of experience as a Commercial Drivers License (CDL) … Read the rest
A car can represent a significant investment that should be protected front dents and dings to keep it looking good. Many dents and dings can be fixed fairly easily with paintless dent repair techniques, and dent repairs should not be costly. To avoid the aggravation of finding and fixing dents, you can take some preventive measures.
Watch the Weather
Extreme weather conditions, especially hail and windstorms, can cause damage to your car. When possible, avoid driving or leaving your car outside during bad weather. It’s also a good idea to keep your car in a garage or under a carport to provide protection against the elements.
Watch the Road
Some roads are badly paved or not paved at all. Be careful when driving on them. Loose rocks, dust, dirt, and other objects can easily kick up and damage your car’s exterior. Trucks carrying heavy loads can also be a problem, especially on the freeway and when passing. Keep your distance and watch the vehicle for trailing debris before passing.
Watch the Parking Lot
Most dents and scratches happen in parking lots. Some people carelessly open car doors hitting the car parked next to them. The best way to avoid this … Read the rest
Most people want to be good, but sometimes making the best decisions for personal growth can be difficult. If this sounds familiar, you are not alone. Fortunately, there are resources available that can help you develop into the person you want to be. For some ideas on where to start, here are five ways to grow as a person.
1. Stop Making Excuses
If you want to take control of your life and really start developing who you are, the first thing you need to do is throw all of your excuses out the window. At the end of the day, you are responsible for who you become.
2. Take a Class
Whether you learn a new hobby or invest in a personal development course, taking the time to learn something new can help you expand your knowledge, outlook and experience. In addition, it can help add some guidance and meaning to your life.
3. Calm Down
Holding onto anger never leads to happiness. If you want to truly grow as a person, an important skill you need to learn is how to manage negative emotions. For this reason, channeling feelings into an a more positive activity like meditation, … Read the rest
When trying to make your home as safe as possible, there are several different options to explore. You may decide that one security feature is enough or that it’s best to have a combination of elements.
There are several types of deterrents that may not stop a home invasion but would most likely deter one. One of the most familiar is the barking dog. Burglars want secrecy, so when your dogs start barking, they are likely to back off. Even before they attempt a break in, they might see that you have gotten a dog from German Shepherd breeders Florida and decide to skip your house. Even a herd of small yappy dogs can make a thief think twice.
Motion sensor lights are another great deterrent. Train them on the front and back entrances and hidden side windows so that anyone trying to sneak in will get exposed. The lights do nothing to physically stop an intruder other than make him think better of trying to get into your house.
Security cameras also make certain people who are up to no good second guess whether they want to steal from you. The cameras themselves won’t stop the theft, but … Read the rest
Unexpected bills sneak up on you, sabotaging even the best plans. Without time to prepare, you may be left in a tight spot, possibly even deciding which bills to pay each month as you struggle to manage them all. Bills don’t have to overwhelm you though. If you are facing an unexpected expense, consider using one of these tools to pay it off so you can move forward.
1. Eliminate Frills
This is the first step that you should approach if you find ourself facing unexpected bills and unsure how you are going to pay them. Look at what you are currently spending and see if there are any things you can eliminate to lower expenses. There are tons of small things that can eat up a significant portion of your budget. It doesn’t have to be a permanent change, but you may find that you don’t miss some things when you see the savings add up.
2. Take Out a Loan
You may not want to add a loan payment to your monthly bills, but short term loans Mississippi can serve a valuable role in helping you to manage an unexpected bill. Look for options that let you finance … Read the rest