A good credit score can reduce your premium. However, if your credit score is low because of a divorce or job loss, you can ask to be exempted.
One of the most important types of car insurance you can have is uninsured motorist liability. While liability insurance or proof of financial responsibility is required in every state, that does not mean that every driver carries insurance. Protect yourself.
It’s important to remember that you don’t have to wait to contact us about car insurance until after you’ve purchased your new car. If you know which vehicles you’re considering, we’re always happy to give you a quote on what insurance can be on them.
When buying car insurance, there are typically three different types of coverage we’ll quote you. These include the per accident limits for property damage and bodily injury and the per person limit for bodily injury.
Coverage for uninsured or underinsured drivers is becoming increasingly important as more and more people are driving without a driver's license or proper coverage or both. A quick review of your policy will let you know if you have enough coverage.
If your car is being financed, your lender will likely require an insurance coverage that is higher than the minimum required by the state. You will encounter the same situation if you get a leased car. This is understandable, as these companies need to protect their investments.
One option when it comes to business auto insurance is private and business use coverage. This type of insurance gives you combined coverage for both types of use, for the primary driver as well as any other drivers listed on the policy.
Do you ever worry that you’re paying for auto coverage you don’t really need? By regularly reviewing your policy needs, we’ll be able to help you keep only the coverage and limits that apply to your situation.
Many drivers choose to drive uninsured, so it’s important to make sure you have uninsured motorist coverage. This will provide additional protection for you, your family, and vehicle in the event of an accident with an uninsured driver.
So how does combined single limit (CSL) business auto insurance work? Whereas liability policies typically offer separate limits for types of damages, a CSL policy has the same dollar amount of coverage per occurrence, whether bodily injury or property damage, one person or several.
Did you know that not all of your auto insurance premiums go to claims? About half of what you pay to get coverage goes toward administrative expenses like rent and corporate management wages and benefits.
If you lend your car to someone and he or she is in an accident while driving it, your insurance policy will cover it, just the same as if you were the driver.
A key part of what type of coverage covers damages is dependent on who is at fault. For example, if you collide with an object, then the damage is paid for by your collision coverage. If another driver hits you, then their liability coverage pays for the damage.
If you are a car owner with a lot of assets, then your auto insurance plan should take that into consideration. Your auto liability insurance coverage should protect your assets, especially if your car is new.
While laws vary from state to state, did you know that most require all automobile owners to at least purchase a basic insurance package for their property? It is still best however, to purchase a broader insurance package for better protection.
Perhaps the best way to save money on your car insurance premiums is to opt for a higher deductible. Since you don’t want to select a higher deductible than you can afford, let’s discuss which level is best for your situation.
Every year, automobiles become safer, with the newest models being the safest that they have ever been. Everything from the bumpers, to the windshield, to the trunk are all designed to keep passengers safe in the event of an accident. However, if other safety options are available, add them – you can never be too safe.
If you have several cars and multiple drivers on your car insurance policy, talk with your agent about how to match car and driver to get the lowest rates possible in order to save you money.
If you receive a ticket for a traffic violation, you can help keep your rates from going up too high by hiring an attorney to challenge it and then taking a driver education course.
What is collision insurance? This type of extra vehicle insurance coverage ensues that a vehicle is repaired, or replaced, in the event of an accident and is recommended for new or high end vehicles and for clients who do not have savings to cover extra costs if an accident occurs.
Multiple options are available for paying your car insurance premium, monthly, semi-annually, or annually and each has its benefits. If you are not sure which is best for you, arrange a visit with your agent.
Bundling your auto policy with another insurance option, like your home or renters’ insurance, can help save you money while protecting your assets.
