It does not matter if your car is red, green or purple. What does matter is the type of car you select. Before you buy a new or used car, check into insurance costs. Auto insurance premiums are based in part on make, model, body type, engine size, the age of the vehicle, age of the driver, driving record and credit history. They are also based, in part, on the car’s sticker price, the cost to repair it, its overall safety record, and the likelihood of theft. “For years there has been this notion that color plays a significant part in calculating insurance premium costs, many people believing that red cars cost more to insure because they’re linked to aggressive driving or speeding,” said Loretta Worters, vice president with the Insurance Information Institute. “The fact is, insurers have no interest in the color of a car, but they are interested in knowing if you have had any previous car accidents, the number of miles you drive annually and where you live.”Source: Insurance Information Institute (www.iii.org)

My

‘Tis the season for potholes, and when your vehicle strikes one of these openings in the road it can damage your car’s undercarriage or affect its operation. Fortunately, many cities and counties maintain a Pothole Hotline where you can report potholes for repair. If you notice potholes while driving, be sure to contact your city or county immediately to make them aware of the location. Your vehicle will be better off for it!

Personal AutoEdition

Western National’s Policyholder Newsletter - Issue 6.1 The Relationship Company®

Have questions about anything mentioned in the Focus? Contact your Independent Insurance Agent or visit us online at www.wnins.com

Focus

Does it really cost moreto insure a red car?Does it really cost more to insure a red car?

My Western National is the secure, easy way to pay your bill and to view and print your policies. Accessing your insurance documents has never been more convenient! Check it out today at www.wnins.com, or by scanning the barcode here with a scanning app (e.g., ShopSavvy, QR Scanner, QR Code Scanner Pro) on your smartphone!

Protect your auto against potholes

Store and access

your policy and bill

online, anytime!

00079716

Western National Insurance Group5350 West 78th StreetEdina, Minnesota 55439Toll Free: (800) 862-6070Twin Cities: (952) 835-5350www.wnins.com

Western National Insurance Group Focus - Personal Auto Edition 6.1

www.twitter.com/WesternNational

www.facebook.com/WesternNational

Facebook is a registered trademark of Facebook, Inc. Twitter is a registered trademark of Twitter, Inc.

Though there’s not much the average person can do to keep the cost of gasoline from going up, each one of us can act to save money by following these five money-saving tips:

Observe the speed limit.1. In general, gas mileage decreases rapidly at speeds above 60 mph. In fact, every 5 mph you drive above 60 mph costs you $0.24 per gallon for gas!Remove excess weight.2. Have you cleaned out your trunk lately? You may have unnecessary items in there that are costing you money. An extra 100 pounds in your vehicle could reduce your MPG by up to 2 percent! Avoid excessive idling.3. Idling gets you 0 miles per gallon… so do it as little as possible!Use cruise control.4. Not only is cruise control helpful in making sure you’re not speeding, but it also forces you to maintain a CONSTANT speed. In most cases, this will help save on gas.Use overdrive gears.5. You car’s engine speed goes down when you use overdrive gearing. Not only does this save gas, but it reduces engine wear.

Source: www.fueleconomy.gov

ways to make fuel go farther 5

Fact or Myth?“If another person is driving your auto, his or her auto insurance will cover your auto if that person gets in an accident.”

It’s a myth. The truth is that, in most states, the auto insurance policy covering the vehicle is considered the primary insurance, which means that the auto insurance company for the vehicle must pay for damages caused by an accident. Policies and laws differ by state, and you should become familiar with these differences when allowing another person to drive your car. If you have any questions, we encourage you to contact your Independent Insurance Agent.Source: Insurance Information Institute (www.iii.org)

Do you haveH.E.L.P.?

Now with newRoadside Assistance coverage!

Does your Western National Personal Auto Policy include our Highway Emergency Loss Protection (H.E.L.P.) coverage with brand new Roadside Assistance coverage? This inexpensive add-on provides for a variety of automotive service discounts and roadside services such as towing, lockout service, and more! Talk to your Independent Insurance Agent today for more information on these valuable coverages.