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Bowling Green, KY 42101

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Saving Money with Deductibles

I often hear people tell me that they have a $0 deductible from other leading insurance companies or that they have a diminishing deductible.  I ask them what the advantage to this is?  Most really do not have an answer except knowing that small claims will be handled without any out of pocket expense.  What most people do not realize is that this is a way to drive your premium up.   When I ask those with the diminishing deductible if their premium goes up each year, I always hear yes.  Do you wonder why?



Many customers prefer to customize a policy that is right for them. If a lower premium is most important deductibles can be a great option to save money while not compromising the type of coverage on the unit.  9 times out of 10 my customer sees that their premiums can drop significantly to justify the out of pocket expense if an accident ever does occur.  We offer several deductible options from $0, $250, $500, $1,000 and up to $10,000.  If you are worried about glass coverage, we’ve got you covered.  We offer “Full Safety Glass Coverage” at an additional charge, so if you have any front window damage you will not be out a deductible.



Example:



Say I own a 2010 Corvette Grand Sport Coupe in KY



Value $58,000

3,000 miles or less driven a year

$0 deductible = $742 per year

$250 deductible = $614 per year

$500 deductible = $580 per year



You can see that there is over a $150 savings from $0-$500 deductible.



If you are interested in receiving a no obligation quote, with deductible options, please check out our site at www.ncminsurance.com.

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Getting Ready for Car Shows

It is hard to imagine that car show season has started for many parts of the country, but several regions are still threatened with snow. Many of you are prepping for the show season now, making your car stand out for the rest. Below is an article I found on how to get your car show ready.



Getting your show car ready for the judges requires more than a quick wash and dry; if you want to ensure you come home with a trophy, you need to ensure your vehicle in clean, neat, and shows well. Here are some proven tricks of the trade. This guide is brought to you by the Spectamax, the car decal holder that attaches to your window and neatly holds all those stickers you would normally adhere to your windshield. The Spectamax is a must for any car show participant.



Before you start:



Grab a garbage bag and two empty boxes. Start from the front and work your way to the rear (look under the seats) and toss all trash into the bag. Throw anything that belongs in the house (screwdriver, straps, etc.) in one box and put items that stay in the car such as the registration, sunglasses, chargers in the other box. Both of these boxes are removed on show day; you want to leave as little as possible in the car at the show; remember, you might be given a car participant goodie bag to pack someplace anyway.



Step One

Getting your show car ready for the judges requires more than a quick wash and dry; if you want to ensure you come home with a trophy, you need to ensure your vehicle in clean, neat, and shows well. Here are some proven tricks of the trade.



Step Two

Before you start:

Grab a garbage bag and two empty boxes. Start from the front and work your way to the rear (look under the seats) and toss all trash into the bag. Throw anything that belongs in the house (screwdriver, straps, etc.) in one box and put items that stay in the car such as the registration, sunglasses, chargers in the other box. Both of these boxes are removed on show day; you want to leave as little as possible in the car at the show; remember, you might be given a car participant goodie bag to pack someplace anyway.
Store the following in the glove compartment:

• owner’s manual,

• maps,

• vehicle registration information (if required),

• auto club information,

• accident report form,

• notepad,

• pen,

• disposable camera,

• flashlight,

• list of emergency contact names and numbers,

• tire gauge,

• paper napkins 

• and any other frequently needed or essential items.



Step Three

Interior Cleaning:

Clean the dashboard, doorjambs, armrests, and steering wheel with Armor-All Cleaning Wipes which handle dirt without harming vinyl or leather. You can also use ordinary baby wipes, which are tough enough to clean, but will not ruin the vinyl or leather. Remove and shake out the floor mats. Using a handheld vacuum which comes with a stretch hose go over the seats and the floor. Treat spills and ink spots with hand sanitizer; its high alcohol content removes stains. Put the mats back in.



Remove your Spectamax from the windshield and clean off any residue to the suction cups may have left on the glass. Discard any expired decals from the inserts in the Spectamax and order a replacement from www.spectamax.com if needed. Replace the Spectamax in a safe, easy-to-use area; most likely the lower-left hand side of the windshield.



Pay special attention to the crevices where the cushions meet. Vacuum the bottom and back of the seats. Check beneath seats for coins and garbage before vacuuming. Vacuum the floor of the car, including the area beneath the seats, still using the hose attachment. Vacuum the floor mats. When finished, give the mats a final shake to remove any remaining debris, then return them to the car. Clean all the windows using a window cleaner and balled-up newspaper or paper towels. Spray a small amount of car-interior or vinyl protectant on a towel. With the moistened towel, wipe the dashboard, door handles and all vinyl parts.



Step Four

Exterior Washing:

You will Need

• Chamois Cloth

• Car Wash Mitt

• Car Wash Brush

• Car Wash Soap

• Garden Hoses

• Rags

• Large Sponge

• Large Bucket



Park the car in the shade. It is best if the car is cool. Close all doors and windows. Put one capful of car soap into a bucket and fill it 3/4 of the way with warm water. Set the bucket aside. Hose any excess dirt off the car, beginning at the roof and working down to the tires. Lather a sponge or terry cloth rag in the bucket of soapy water and sponge the roof of the car. Spray off excess soap when the entire roof has been cleaned. Repeat for all four sides of the car, washing one full side including windows, fenders and tires and rinsing completely before going to the next side. Remember soap dries fast, you want to rinse the car off before the soap has dried. Give the car one final rinse with the hose to get rid of any water spots when all four sides have been washed and rinsed. Take a chamois leather (slightly wet) or towel and dry the car thoroughly by setting the towel flat against the surface of the car and dragging it along the surface to pick up any water spots. Start at the roof and work your way down to the tires. Wash the windows with a rag soaked in plain water and dry them with a dry rag, or use window cleaner and pieces of balled-up newspaper on both the inside and the outside of the windows. Give any metal or chrome an extra rubdown to get rid of water spots.



Step Five

Waxing the car

Your car’s paint is constantly being attacked. Acid rain, intense UV rays, industrial fallout, bug splatter, bird droppings, brake dust and hard water mineral deposits are just some of the things that can attach to your cars paint and damage the finish. By applying a high quality car wax or polymer sealant on a regular basis, you are applying a sacrificial barrier that will offer protection from these elements and contaminants.



Wax is a generic term that has been used to describe products containing organic (also known as natural or carnauba) waxes as well as synthetic polymers (also known as paint sealants). Organic wax is derived from the Brazilian Palm Tree, the “Carnauba Palm”. Organic “carnauba” waxes come in both paste and in liquid form and provide a deep, wet-look gloss. Synthetic polymer waxes are most often found in liquid form and are known for their durability. Although Carnauba’s are still the choice of show car enthusiasts, today’s polymer waxes rival the finest carnaubas when it comes to appearance and will provide a more durable paint finish. For this reason, polymer sealants have become the “wax” of choice for enthusiasts who want or need the best possible durability AND the deep wet-look shine. For the remainder of this article the term “wax” will be used to describe both organic and synthetic waxes.



First off, follow the directions provided by the manufacturer on the container and for best results, use the least amount of product that you possibly can; many thin layers are better than one thick coat of wax. Since excess wax will be removed during the residue removal process. The more that you apply, the more that you will have to remove. Apply wax manually or by using a machine. While by hand allows you to get into tight crevices, the machine will allow you to cover large areas quickly.



For hand application, use a foam wax applicator pad. Do not moisten the pad with water, this can cause some waxes and polymers to become sticky, gooey and hard to remove. What you should do is apply a small amount of the wax to the pad to soften and moisten it. Apply the wax with long, straight overlapping passes. Do not apply in a circular motion, this could increase swirls in the paint; something the judges will grade you on.



When applying wax by machine, any standard polisher will work, just make sure you get comfortable with the variable speeds and features before use. As you did with the hand pad above, moisten the pad.



Step Six



What the judges look for:



Take off the wheels and scrub down the wheel wells and get some satin or semi-black and spray the wells where appropriate. Judges often like to run their fingers under the wheel well (and the wheel well lip) to feel for dirt. Tape off areas like the front bumper support that is not the same material to keep the proper contrast. Tape off the body connectors also; looks better when they are not painted. Run a wet cloth of tire gel on them to brighten the rubber up. If the brake lines show tape these off and clean them and apply some sort of polish; it really makes the lines look good. While the wheels are off clean the back of the wheel too to reduce spreading dirt. If the brake calipers look bad, clean them and repaint with hi-temp special caliper paint. Remember to stick with the OEM colors for maximum scoring points. If you are entering a judged show make sure the lips of the wheel wells are cleaned if they decide to reach inside and feel for dirt/mud on the inside lips. Wash the windshield wiper bay very thoroughly and paint it if need be with a semi gloss black (remove the wiper arms before hand). Replace the dirty windshield washer hose with some fresh hose. If you show your car with the hood up and have the motor cleaned up they will not even notice it if the wiper area is filthy. Clean out the gas cap area and treat the rubber with a protectorant. Clean the bugs out of the radiator when the hood is up. Nothing like a bunch of dead bugs in your drill to knock a few points off of your scoring. Replace missing hub covers, plastic plugs, lug nuts etc.



Step Seven



What to bring to the Car Show:



• Folding chairs

• Lunch

• Glass cleaner, quick-detailing touch up spray, newspapers, paper towels, interior vinyl/leather cleaning spray

• Your Spectamax

• A sign encased in a plastic frame that provides the details about your car

• Any accessories that proves the car is OEM (original window sticker laminated, laminated dealer receipt, etc.)



AND TO REALLY STAND OUT,



Ever been to a car show and the windshield is covered with permit stickers for the condo complex of the owner, beach permit, or perhaps police “get of jail free” association stickers? I have been involved with many concours events, and the judges always comments on how these stickers really break up the view of the car and take off a few points for this non-compliance with OEM. If you need to display (at times) stickers, you should consider the Spectamax, which is a small suction-cup mounted box that holds these stickers and allows you show the correct sticker at the correct time. For the show, you can remove the entire box and place it in the glove compartment. Read more at www.spectamax.com.

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Car show season is here! Are you protected?

Many of you may have standard auto insurance on your Corvette or collector cars, but are you really covered if you were to have a loss? What I mean is, what will you get paid if you have a total loss? Most standard auto insurance carriers have a modified collector car program, that write insurance in the form of Stated Value/Amount or even Actual Cash Value. We only write Agreed Value insurance. What do all of these terms mean? Most insurance agents who do not write collector cars daily do not know either!

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24/7 Roadside Assistance for your Collector Car

One of the most frequently asked questions I have concerns the roadside assistance program we offer, and how much of it we offer.

We are mostly dealing with collector cars, classic car or antiques.  Unfortunately, no matter how unique or rare the car is breakdowns happen and usually at the most inconvenient of times.  We offer a great 24/7 Roadside Assistance program through AMIG.  You may also run out of gas, have an accident, flat tire repair, or even locked out of your car.  Our roadside assistance program will come to your aid with a flat bed truck ready to take your prized possession home or to a service station.

Our 24/7 Roadside Assistance program is less than a $1 per month, at only $10 per year.  This covers all cars listed on your policy with us.

If you have a new Corvette or other modern muscle car that is still under warranty, you may already have roadside assistance provided by the auto maker.  You can save some money if you do not purchase the Roadside Assistance program.

Are you ready for a quote?  Click here to complete an online quote or give us a call!

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What is collector car insurance and how are we different?

Do you have a Corvette or other collector car that you hardly drive?  Is your spouse nagging that your insurance is too high, and you either need to get rid of the car or take insurance off of it?  If the answer is yes to any of these questions you need Collector Car Insurance. 



Collector Car Insurance is insurance written on an Agreed Value vs what you will find with normal carriers.  Normal carries will write a policy on an “Actual Cash Value”, which mean the book value at the time of the loss.  If you have a Corvette or collector car, you do not want to fight with the insurance company on what the true value of your car is worth.  We agree on a price, and if you have a covered total loss, then that is what you get paid!



With collector car insurance there are several usage restrictions that must be met in order for us to provide coverage. 

  1. We insure vehicles that are used for occasional pleasure use.
  2. Car Shows
  3. Cub Events/Parades

We do not insure vehicles that are used for errands.  So if you go to the grocery store, shopping mall, ball fields, etc.  You are best suited for standard car insurance.  If you are passionate about your car, and want to protect your investment/passion and fit within the 3 guidelines mentioned above, we should talk.



What separates us apart from our leading competition:

  1. We offer an automatic spare parts coverage of $2,000 vs our leading competition at $750
  2. We offer mileage plans (this helps save $$$)
  3. We offer Deductible options (this helps save even more $$$)
  4. We offer Nationwide Roadside Assistance for $10 and that is for $200 worth of towing.  Our leading competitor has a $100 mileage plan costs $89 per year. (doesn’t make sense)

 

NCM Insurance Agency offers the best insurance policy for Corvettes or collector cars.  We are Corvette people working at the National Corvette Museum, we know Corvettes better than anyone out there, guaranteed!

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National Corvette Museum’s Insurance Agency Launches New Website

The NCM Insurance Agency unveiled a redesigned website this week that makes quoting collector car insurance as easy as the click of a button. The redesign allows current customers the opportunity to manage their policies, request ID cards, make policy changes and more. The new site also helps the National Corvette Museum more effectively provide useful information about collector vehicle coverages and offer online tools to facilitate the process for them.



“The previous website had a great nostalgic feel, but failed to provide important and useful information to current and future clients,” said NCM Insurance Agent Adam Boca. “The new website is easier to navigate for visitors and creates a positive experience, with useful Corvette and collector car insurance information in an easy-to-browse format.”



NCM Insurance is provided through American Modern Insurance Group, which offers discounts for eligible Museum Members. “American Modern Insurance Group was founded in 1965 and is a national leader in specialty insurance. The company’s financial stability is rated A+ (Superior) by an independent industry analyst and is acknowledged for its claim service,” according to Dave Seibert, American Modern sales representative.



“What makes NCM unique is its national reach from its vantage point within the National Corvette Museum,” Seibert explained. “It is truly integrated into the history and future of the ‘Corvette culture’ and has leveraged its special knowledge to serve the insurance needs of virtually all collector vehicles. This new website should allow the NCM Insurance Agency to enhance their customers’ experience, and that supports the mission of the Museum.”



Boca said that 100% of the agency’s commissions go to support the Museum. “We want to become a leading provider of Corvette and collector car insurance, and with this new website, we are on the right track,” he said.



NCM Insurance offers insurance plans for owners who drive up to 1K, 3K or 6K miles per year who occasionally drive their cars to enthusiast events, club meetings and on special trips.



“The new website provides free quotes, making it simple to compare your coverage options,” Boca said. “I encourage owners to log on to www.ncminsurance.org to discover what the NCM Insurance Agency has to offer. You can also connect with NCM Insurance on Facebook and Twitter at facebook.com/pages/NCM-Insurance-Agency/225876839230 and twitter.com/NCMInsurance.”



The National Corvette Museum is dedicated to the mission of celebration, education and preservation, and is open seven days a week from 8 a.m. to 5 p.m. CT – located at Exit 28 on I-65 in Bowling Green, KY.

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