Donate For a Chance to Win This 2019 BMW M2 Competition or $50,000 Cash

Winning a new car and supporting a great charity is something we can all get behind, so use this code to get twice the tickets for your chance to win a new BMW M2 Competition—or $50,000 cash.

Enter now to double your chances of winning! The draw takes place on July 19.

When you use the promo code M2X, you’ll instantly get twice the entries to win this beautiful car. So what exactly is it you’ll be winning?

About the 2019 BMW M2 Competition

BMW has captured the essence of the old M3 and injected it into the current M2 model lineup. With a real M engine under the hood, the M2 is as fast around the track as it is reasonable to drive daily. BMW fans will recognize the twin-turbo as the one from the M4, which now powers the M2 Competition as well. It’s a classic straight-six, 3.0-liter powerplant with its boost reduced. Even still, the M2 Competition hustles up to 60 mph in a mere 4 seconds.

Power gets to the rear wheels through a speedy 7-speed transmission, which includes a double clutch and manual shifting mode.

Detailed Specs:

Use promo code M2X for twice the tickets

Who the contest supports

All of the proceeds raised by the contest help meet the daily operating needs of TRI Industries. TRI Industries is a registered 503(c)(3) non-profit that provides opportunities for disabled Americans with support, growth, and opportunities. Many of the people TRI Industries employs are disabled veterans or fully blind. Through the work of TRI Industries, and the funds raised by this contest, families are sustained with employment and income.

2019 Subaru Forester Pros and Cons: Road Trip Edition

Is the Subaru Forester a competent road trip vehicle or is it better relegated to errand-running closer to home?

To answer this very question, I took a top-shelf Touring model on a long-weekend getaway with some close friends. The target was Munising, Michigan, an isolated small town on the Upper Peninsula’s weather-beaten northern shore. Round trip, this moderately long-haul adventure inflated the vehicle’s odometer by more than 1,000 miles, ample opportunity to get a real feel for how this crossover performs on extended drives.

But why visit this frozen tundra in the middle of winter? It certainly wasn’t to get first-hand experience with frostbite or to boost my body’s vitamin D levels. Aside from taking a much-needed break from everyday life, Munising is surrounded by the natural splendor the north. We hiked, explored ice caves, discovered waterfalls and even stole a few far-off glimpses of Pictured Rocks as we stood on the craggy ice of Lake Superior.

Of course, getting there was an adventure all its own. Here are some pros and cons of the 2019 Subaru Forester Touring.

ALSO SEE: 2019 Mazda CX-5 vs Honda CR-V vs Subaru Forester: Which Crossover is the Best Buy?

Historically, my two biggest complaints about Subarus have been their lackluster interiors and unrefined powertrains. Fortunately, the automaker has addressed both these complaints with the all-new fifth-generation Forester. Inside, this utility vehicle’s cabin is rife with attractive materials like low-sheen soft plastic and contrast stitching. The range-topping Touring model evaluated here was also gussied up with rich-looking brown leather, which was splashed across the center console, dashboard, doors and elsewhere for a sharp look.

The Forester has room for five people. Normal-sized adults will fit in the backseat with no issues, the bench being quite comfortable with plenty of legroom and a nicely angled lower cushion for good thigh support.

SEE ALSO: 2019 Subaru Ascent Review

SR-22: Everything You Wanted to Know

SR-22 insurance, or an SR-22 (meaning State of Responsibility), is a certification issued by your car insurance company showing proof that you are carrying the minimum liability coverage required by your state. If you have been involved in an accident and were not carrying minimum car insurance, most state DMVs will require you to hold an SR-22. SR-22s can also be required for other types of traffic offenses.

Everything You Wanted to Know About An SR-22

While each state has its own requirements, examples of circumstances that frequently require an SR-22 include:

Each state has its own requirements for the length of time that an SR-22 must be in place. As long as you pay the required premium and keep the policy active, the SR-22 will remain in effect until the requirements for your state have been met. If your policy is canceled while you are still required to carry an SR-22, your insurer is required to notify the state authorities, which may result in suspension of your driving privileges. Your insurance company will provide the state with advance notice before canceling your coverage. If you do allow the coverage to cancel, your insurer will file an SR-26 with the state, indicating that your policy is no longer in effect.

Most states require a small filing fee when an SR-22 is first filed. There is usually no fee to renew an SR-22, unless you have allowed your policy to lapse. An SR-22 is filed for a specific driver, so if there are additional drivers on your policy, you will need an SR-22 for each driver. 

SafeAuto can help you get the SR-22 documentation you need to be able to legally drive again. Call a dedicated SafeAuto customer service representative at 1-800-SAFEAUTO (1-800-723-3288) to request an SR-22 to be filed anytime, 24 hours a day, 7 days a week. SafeAuto provides free car insurance quotes to all drivers.

Note: Not available in all states and situations.

Mistakes happen and an SR-22 is one of the last steps to get you back on the road. If you have an SR-22 and have questions, give SafeAuto a call and let our trained customer services representatives assist you.

Why You Need Renters Insurance If You’re a Renter

You buy insurance for your car and your health, so why not for your stuff? Whether you live in a small studio or a huge duplex, it’s important to protect your belongings, your house guests, and yourself in case the unexpected happens. If a fire or flood destroyed your things, would you be able to afford replacements? Renters insurance can help.

Why You Need Renters Insurance If You’re a Renter

Even though your landlord has insurance on your building, that protection does not extend to your personal belongings. Renters insurance policies can differ, but you can expect a typical policy to cover:

Your stuff is probably worth more than you think it is. The average renter has somewhere around $30,000 in personal property yet only 40% of renters have renters insurance. When you consider all the clothing, furniture, electronics, jewelry, and more that you own, would you be able to afford to replace it if something happened?

When disaster strikes, it is often unexpected and brings with it unexpected costs. Minimize your out-of-pocket expenses from:

Purchasing renters insurance is quick, easy, and affordable. Have we mentioned it’s affordable? Get a renters insurance quote from Safe Auto Group Agency and gain peace of mind knowing your personal belongings are protected.

*This is only a general description of coverage and is coverage is subject to terms, provisions, exclusions, and conditions.

Why You Need Renters Insurance If You’re a Renter

You buy insurance for your car and your health, so why not for your stuff? Whether you live in a small studio or a huge duplex, it’s important to protect your belongings, your house guests, and yourself in case the unexpected happens. If a fire or flood destroyed your things, would you be able to afford replacements? Renters insurance can help.

Why You Need Renters Insurance If You’re a Renter

Even though your landlord has insurance on your building, that protection does not extend to your personal belongings. Renters insurance policies can differ, but you can expect a typical policy to cover:

Your stuff is probably worth more than you think it is. The average renter has somewhere around $30,000 in personal property yet only 40% of renters have renters insurance. When you consider all the clothing, furniture, electronics, jewelry, and more that you own, would you be able to afford to replace it if something happened?

When disaster strikes, it is often unexpected and brings with it unexpected costs. Minimize your out-of-pocket expenses from:

Purchasing renters insurance is quick, easy, and affordable. Have we mentioned it’s affordable? Get a renters insurance quote from Safe Auto Group Agency and gain peace of mind knowing your personal belongings are protected.

*This is only a general description of coverage and is coverage is subject to terms, provisions, exclusions, and conditions.

Roommates & Renters Insurance

If you’re a renter, you need to consider renters insurance. Renters insurance can help with the costs if your stuff is lost or damaged. There is no one-size-fits all renters insurance policy so it’s smart to calculate how much it would cost to replace all of your belongings in the event of a total loss. If you have a roommate (or two, or three), this can be a bit trickier.

Roommates & Renters Insurance

First things first, you need to be on good terms with your roommate(s). Sharing a renters insurance policy will require you to work closely with your roommates to decide how much coverage you need and how you will handle a claim if it were to happen. If one of you moves out, you will both need to approve removing a name and if a check is ever cashed, it is likely all named on the policy will be named on the check, which means you will all have to be present to cash it at a bank (or be willing to sign it over).

It may seem like common sense, but if you want a renters policy to cover your belongings, you will need to be named on the policy. If you move into an apartment with someone who already has a renters policy, your stuff will not be covered if you need to make a claim. Before getting added to the policy, contact the insurance company to ensure that two or more unrelated adults can be named on the same policy. If not, you will want to get your own coverage.

Make sure you are considering the cost of your belongings plus any roommates before setting the amount your policy covers. For example, if your roommate has $10,000 worth of belongings and you have $20,000 worth, make sure your policy covers $30,000. When calculating how much everyone who is named on the policy should pay, consider splitting the premium by coverage amount. Using the same example as above, you would be paying 2/3 or the premium and your roommate would pay 1/3.

Another thing to consider before sharing a policy is that you will also be sharing insurance histories. Depending on your independent insurance histories, when you share a policy, any claims your roommate has made in the past could impact the rate on your policy. This works conversely, if your roommate’s belongings are stolen and he or she makes a claim, you are also responsible for that claim even though your belongings are still intact.

Whether you decide to purchase a renters insurance policy with your roommate(s) or alone, Safe Auto Group Agency can help. Get a free quote for the right renters insurance policy for the right price and cover your belongings for pennies a day.

Roommates & Renters Insurance

If you’re a renter, you need to consider renters insurance. Renters insurance can help with the costs if your stuff is lost or damaged. There is no one-size-fits all renters insurance policy so it’s smart to calculate how much it would cost to replace all of your belongings in the event of a total loss. If you have a roommate (or two, or three), this can be a bit trickier.

Roommates & Renters Insurance

First things first, you need to be on good terms with your roommate(s). Sharing a renters insurance policy will require you to work closely with your roommates to decide how much coverage you need and how you will handle a claim if it were to happen. If one of you moves out, you will both need to approve removing a name and if a check is ever cashed, it is likely all named on the policy will be named on the check, which means you will all have to be present to cash it at a bank (or be willing to sign it over).

It may seem like common sense, but if you want a renters policy to cover your belongings, you will need to be named on the policy. If you move into an apartment with someone who already has a renters policy, your stuff will not be covered if you need to make a claim. Before getting added to the policy, contact the insurance company to ensure that two or more unrelated adults can be named on the same policy. If not, you will want to get your own coverage.

Make sure you are considering the cost of your belongings plus any roommates before setting the amount your policy covers. For example, if your roommate has $10,000 worth of belongings and you have $20,000 worth, make sure your policy covers $30,000. When calculating how much everyone who is named on the policy should pay, consider splitting the premium by coverage amount. Using the same example as above, you would be paying 2/3 or the premium and your roommate would pay 1/3.

Another thing to consider before sharing a policy is that you will also be sharing insurance histories. Depending on your independent insurance histories, when you share a policy, any claims your roommate has made in the past could impact the rate on your policy. This works conversely, if your roommate’s belongings are stolen and he or she makes a claim, you are also responsible for that claim even though your belongings are still intact.

Whether you decide to purchase a renters insurance policy with your roommate(s) or alone, Safe Auto Group Agency can help. Get a free quote for the right renters insurance policy for the right price and cover your belongings for pennies a day.

Do You Need Rental Car Insurance?

If you have ever traveled and needed a rental car, you probably experienced the fear-driven sales pitch at the rental car counter. It may seem like you need rental insurance if something happens to your rental, but if you have auto insurance already, that coverage also applies to your rental car, subject to your policy terms and conditions. The amount of coverage you will have in your rental will depend on the amount of coverage on your current car insurance policy. If you plan to rent a car, make sure you double-check your own car insurance policy first.

rental car insurance

Once you have a clear understanding of your current auto policy, you can decide what type of rental car insurance coverage you may need.

Liability coverage: This coverage will kick in if you damage another’s car or property while in your rental vehicle. If you have sufficient liability car insurance, you are already covered (after your deductible).

Loss damage waiver: Sometimes called a collision damage waiver, this type of coverage will cover you in the event there is any damage to the rental vehicle or theft. If you have comprehensive and collision on your current auto insurance policy, you will be covered for this type of damage or theft (after your deductible).

Personal effects coverage: This coverage pays for your belongings if they are stolen form the rental car (up to a set amount). If you have homeowners or renter’s insurance, you are protected. If you do not have either of these coverages and are driving around with valuables, this coverage may help depending on the type of policy you purchased.

Personal injury protection: If you are involved in an accident, this coverage will cover you in the event you or your passengers were injured in an accident (including ambulance, medical care, and death benefits). If you have health insurance and a life insurance policy, you don’t need to tack this coverage on. You are also covered if you already have personal injury protection on your auto policy.

Though your own car insurance policy will protect you while driving in your rental, there are still cases where purchasing car rental insurance is a smart move.

If you are renting a car with a major credit card, keep in mind you may be able to take advantage of free insurance coverages. The coverage is likely limited and may vary from card to card, but it’s still worth knowing what you may be eligible for.

If you are still not sure what type of rental car insurance you may need, if any, reach out to your car insurance provider as they may be able to assist you. For tips on car rentals, read our blog posts on 15 Tips For Saving Money On Your Next Car Rental and The 10 Most Common Rental Car Insurance Pitfalls.

If you are still not sure what type of rental car insurance you may need, if any, reach out to your car insurance provider as they may be able to assist you. For tips on car rentals, read our blog posts on 15 Tips For Saving Money On Your Next Car Rental and The 10 Most Common Rental Car Insurance Pitfalls.

What You Need to Know About Marine Insurance

Marine insurance is a specific insurance for ships, boats and cargo carried on either. It is intended to protect owners and transporters against losses from natural events that occur while the boat or ship is in transit.

Coverage of Marine Insurance

There is no basic marine insurance policy and different companies will provide coverage for different risks. Aside from covering expensive damages or losses due to a storm, marine insurance may also cover incidents related to piracy and cross-border armed battles. The open waters can be risky and pose a threat to your vessel and cargo. The financial damages to such threats could be detrimental. Marine insurance is specifically designed to ensure your finances and assets are protected against such threats.

Amount of Marine Insurance Needed

The amount and cost of your marine insurance depends on a variety of factors. Transporters and owners can choose insurance plans based on the size of the vessel, routes taken and value of the cargo. Plans allow you to choose specific coverage, even eliminating cargo coverage, to meet the very precise needs of your business. However, as one of the oldest forms of business insurance, marine insurance can be tricky to navigate, and companies are very strict when it comes to making claims.

Vessel Coverage

A major component of marine insurance is the coverage related to your vessel, also known as hull insurance. It is intended to cover loss or damage to a vessel. There are policies related to yachts, fishing vessels, tugs, barges, large commercial vessels and passenger carrying vessels. Coverage is determined to cover a specific timeframe or a single trip.

The hull coverage of a marine insurance policy is typically offered in two forms. An all-risk insurance policy essentially covers all potential external risks, except a few that should be clearly named in the policy, such as ice or aging conditions. The named perils policy covers specific perils, such as heavy weather, piracy, fire or other additional weather-related storms. Additional non-sea-related insurance can be purchased at an additional cost. Hull insurance usually covers the cost to repair prevent future damages to the vessel. Most will also include liability for damages associated with another vessel while at sea.

Cargo Coverage

The secondary part of marine insurance is cargo insurance, which is intended to do just that – cover the loss or damage to any goods while in transit. Cargo policies are also offered in two plans, all-risk and named perils, as outlined in the hull insurance paragraph above. Cargo can be insured for a single shipment or multiple shipments over a specific timeframe. Most policies will provide coverage for the cargo’s value and other charges, based on the payment that would have been received if the cargo were to reach its destination. Some cargo coverage policies have geographical restrictions; so make sure to read your policy carefully before determining if it fits your needs.