Comprehensive auto insurance offers more coverage than both liability and collision insurance. Whereas liability and collision cover your car in the event of an accident, comprehensive covers your car in the event your car is damaged as a result of inclement weather, theft, or even damage by an animal.
In general, car insurance policies have five basic parts. They are: the Declarations page, the insuring agreement, exclusions, conditions, and definitions. Be sure to read and understand them.
If you are in an accident that is not your fault, it is in your best interests to file a police report. This is especially important if injuries occurred or it was a hit and run incident. Reporting allows our agents to quickly gather all the necessary information to expedite your claim.
Every insurance company offers discounts, but they may differ in kind and requirements. Always ask an agent what discounts are available, and compare them to what other companies offer. Choose the agency whose discounts match your situation.
It’s important to remember that even though traffic laws can vary state-by-state—or sometimes county-by-county—the need for auto liability insurance is agreed on by all 50 states. Driving without insurance is a hefty fine waiting to happen.
One of the major problems with many cut-rate car insurance policies is that they set unreasonably high deductibles. Let’s talk about how we can help you to balance the cost of your policy premium with an affordable deductible.
Most insurance companies will offer a discount on your auto insurance if you keep your car in the garage. There is a caveat, though: The garage door and locks must be in good condition and fully operational.
Are you concerned that the standard auto insurance coverage limits may be insufficient if one of your employees gets into an accident? Let’s talk about how our commercial auto insurance policies could give you the coverage your business really needs.
Just as with automobiles, riding a motorcycle with a good safety rating can keep your insurance premiums low. Also, owning one that is not expensive to repair can lower them as well.
Did you know that the type of work that you do can affect the rate you will pay for your auto insurance? In fact, lower and discounted rates exist for those in certain vocations. A scientist and engineer as well as a teacher will pay less for insurance than, say, a bartender or race car driver.
Your driving record has an impact on your insurance rates. The cleaner it is, the lower your rates will be. However, if you have had an incident, it will eventually be removed if you avoid future problems.
Life, unfortunately, is full of uncertainty so we must be proactive in getting the protection we need. Insurance, in all its forms, is one way to gain a measure of security as it lets us feel safe in the knowledge that our needs will be met should adversity strike.
While comprehensive business auto insurance isn’t required, it’s the best way to protect your business assets. This type of insurance pays for damages your vehicles incur from fire, hail, flood, windstorm, theft, vandalism, and collisions.
In a nutshell, auto insurance is a formal agreement between the policyholder and the insurance company. The policyholder pays the premium in full and in return, the company agrees to cover accident-related expenses as detailed in a signed contract.
When you don’t have a lender forcing you to get a specific type of insurance coverage on your vehicle, you may wonder whether you should choose the least expensive option. Remember, saving money on your car insurance now could cost you tens of thousands of dollars in the event of a serious accident.
If you have $300,000 in liability coverage for all injuries in an accident, but you are at-fault in a serious wreck that totals more than $1 million in claims, you can be personally sued for the difference. That's where an umbrella insurance policy would come in handy.
Theft protection devices on your car can reduce insurance premiums. The more efficient the devices, and the easier they make it to track your vehicle if it's stolen, the better the rate you can receive.
There are several options available for paying your car insurance premium, monthly, semi-annually, or annually and each has its benefits. Not sure which is best for you? Talk with us.
Does your commercial vehicle only operate during certain parts of the year? For example, if you drive a snowplow, use a truck for landscaping services, or more. In these cases, an insurance expert can help you get commercial insurance for only part of the year.
The way you drive can determine how long you live. It turns out that drivers with fewer tickets or previous accidents lived longer. This seems logical since a careful driver will tend be involved in fewer mishaps.
It’s important to consider your needs in the event of an accident when you’re buying your policy. Extras like towing and rental car coverage could end up saving you hundreds more than you pay in premiums.
Organizations like AAA, AARP, Costco, Sam's Club, Good Sam (for RVers), and others often negotiate with insurance companies to secure low rates for their members. If you belong to one, find out what's available.
If you use your car for a rideshare service, a standard auto policy isn’t enough. Because the car is used for business purposes and to transport people, you need insurance that specifically addresses these situations.
If you’ve just gotten into a minor fender bender, you may wonder how it will affect your insurance premiums. Let’s discuss what occurrences will cause your premiums to rise.
