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Archive for March, 2019

6 Tips for Selling Your Vehicle

6 Tips for Selling Your Vehicle

Thanks to an article from US News and World Report as well as a couple of incidents at the insurance agency, we spoke about 6 tips for selling your car/truck:

1) Study the Market. Check your vehicle’s value via KBB or Edmunds first, then check local listings for similar vehicles to find the right pricing for your vehicle. Seasons factor into the pricing, sports cars & convertibles sell better/quicker in summer and SUVs/trucks tend to sell better in the fall/winter.

2) Assemble Your Paperwork. check with your DMV to see what paperwork will be needed when it comes to selling/transferring the title to the new owner. It’s also a good idea to gather any maintenance records for the vehicle as well. MAKE A COPY OF THE SIGNED TITLE AND BILL OF SALE and keep them for your records in case of a lawsuit or insurance claim.

3) Inspect It. Have a mechanic give it a “once-over” so you can properly price the vehicle. Make the minor repairs, swap out tires, invest in new floor mats, sure it’s money up front but it you will be able to command a higher price for the vehicle if the prospective buyer knows exactly what they are getting into mechanically.

4) Detail It. If the vehicle is worth it, spend the $100-$200 to have it completely detailed inside and out. Prospective buyers will love the “new car” smell & feel and you can probably get a little more in the sale negotiations. If the vehicle isn’t worth a full detail, clean the vehicle yourself. People will be more interested in buying a clean vehicle.

Check out the article at US News and World Report for more tips on selling your vehicle.

 

 

Contact Us!

At M. Vander Plow Insurance Agency, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 616-396-1497 or send us a note at marsiljeins@gmail.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Categories: Uncategorized

Spring Cleaning (again)

Spring Cleaning (again)

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Spring Maintenance for Your Home

When springtime rolls around in Zeeland, Michigan, almost everyone thinks of cleaning. That’s fine (we probably all need to do a little more of that, after all), but there’s something even more important to keep in mind: home maintenance.

So, when it’s time to set your clocks ahead for daylight-saving time and change the batteries in your smoke and carbon monoxide detectors, give your home a checkup, too. Here are some suggestions from the Department of Housing and Urban Development:

*Interior and appliances
-Check the basement and/or crawlspace for any signs of standing water or dripping.
-Pull your dryer out and clean the exhaust hose and vent (lint found here is a common cause of house fires).
-Vacuum refrigerator/freezer coils for efficiency.
-Clean exhaust fan outlets and screens.
-Check all air filters and replace, if necessary.

*Roof, siding, windows
-Check for damage to your roof and have a professional inspection, if necessary.
-Go into the attic. If there is visible moisture or discoloration, your roof might be leaking.
-Examine the paint on your siding and trim. If it is peeling, you might need new paint to protect against the effects of weather.
-Check for leaks around window and door sills. Improving your seals can lower your energy bills.

*Yard and exterior
-Check for signs of rodents and other pests.
-Clean debris from gutters and downspouts, and make sure they are draining away from the home.
-Trim overhanging tree branches and shrubs.

Remember, winter weather can cause significant damage that is easy to spot, but it often results in wear and tear that homeowners can miss if they aren’t looking closely. It’s well worth it to spend a little time on home maintenance this spring, so that wear and tear doesn’t turn into something more serious. It might be time to do some “spring cleaning” of your insurance policies as well! Give us a call today at Marsilje & Vander Plow Insurance Agency for a quote, 616-396-1497!

 

Content provided by Safeco Insurance

 

Categories: Uncategorized

Leasing Cars

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(Photo courtesy of StockVault.net)

 

Leasing Cars

On average, 30% of all new cars are leased each year. With annual new car production at nearly 100 million cars, that’s a lot of leased vehicles. Unlike a vehicle purchase, you are essentially “renting” the vehicle for a specified period of time whether 2 years or up to 10 years(!). When it comes to leasing a vehicle, there are things to be aware of – especially when it comes to insurance.

This article from Bankrate offers 5 mistakes to avoid when leasing a vehicle:

– Paying Too Much Down. Pay attention to the lease terms, often companies offer low monthly lease rates due to a huge prepayment. Most reasonable leases ask for $2000 or less, you can find companies willing to lease a vehicle with no money down. Do your research.

– Forgetting to Purchase Gap Insurance. Gap Insurance is essential when leasing a vehicle. Most insurance carriers settle total losses of vehicles on Actual Cash Value at the time of loss. This can be detrimental when it comes to leasing a vehicle as most often the value the lease company has on a vehicle is more than ACV. Gap Insurance does just that – fills the “gap” left between what the ACV of the vehicle is and what is still owed on the lease. You can purchase Gap Insurance from your insurance carrier ONLY if the vehicle is new/never been titled. Otherwise, for older model leases, you would need to purchase Gap Insurance from the dealer.

– Underestimating Your Annual Mileage. Most leases afford for the average of 10,000-12,000 miles a year (what a typical American drives per year). Going over the set mileage could garner an additional fee per mile (anywhere from 10-30 cents a mile). Take a look at your driving habits, keep track of your mileage for a typical week to calculate your average mile usage. If it comes close to the annual mileage on the lease, consider purchasing the higher mileage limit (which will increase your monthly rate).

– Not Maintaining the Vehicle. The term “normal wear & tear” varies from leasing company to leasing company. Some consider scratches/imperfections of less than a credit card are “normal wear & tear”, while others would require the vehicle to be returned in near-showroom condition. Check the lease to see about back-end requirements when turning the vehicle back in.

– Leasing for Too Long. Most leases are from 2-4 years, with an average being 3 years/36,000 miles or about as long as the manufacturer’s warranty. If you plan on leasing a vehicle for longer, consider purchasing an extended warranty or flat-out purchasing the vehicle. Leasing for longer than 3 years, even with the extended warranty, may justify purchasing a quality pre-owned vehicle.

 

Contact Us!

At M. Vander Plow Insurance Agency, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 616-396-1497 or send us a note at marsiljeins@gmail.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Categories: Uncategorized