Unlike most insurance agencies who represent only one or two companies, we represent many different auto insurance companies that are eager to compete for your business.
Generally speaking, most Personal Auto policies provide the following basic coverage:
- Bodily Injury Liability – Covers accidental injury or death of another person if caused by you in an automobile-related accident.
- Property Damage Liability – Covers accidental damage to other people’s property if caused by you in an automobile-related accident.
- Collision – Covers you for damage to your car in an accident, regardless of who was at fault.
- Comprehensive (other than Collision) – Covers your car against damage from fire, lightning, flood, theft, glass breakage, falling objects and other specified perils.
- Medical Payments – Covers you and your family in any car and anyone riding in your car for medical expenses resulting from an accident.
- Uninsured/Underinsured Motorists – Covers injury suffered by you, your family and anyone riding in your car against the uninsured/underinsured motorist.
Money Saving Tips
|Buy a “low profile” car.
Before you buy a new or used car, check into insurance costs. Cars that are expensive to repair or that are favorite targets for thieves, have much higher insurance costs.
|Consider insurance costs when making a move.
Costs tend to be lowest in rural communities and highest in cities where there is more traffic.
|Inquire about other discounts.
Some insurers offer discounts for having multiple cars insured with them, anti-theft devices, good driving records, driver training courses, group memberships (AAA, etc.), passive restraints, low mileage, and also for the mature driver.
|Ask for higher deductibles.
Deductibles represent the amount of money you pay before you make a claim. By requesting high deductibles on collision and comprehensive coverage, you can lower your costs substantially. For example, increasing your deductible from $500 to $1,000 could reduce your collision and comprehensive cost by 15% to 30%.
|Drop collision and/or comprehensive coverage on older cars.
It may not be cost-effective to have collision or comprehensive coverage on cars worth less than $3,000 because any claim you make would not substantially exceed annual costs and deductible amounts. Auto dealers and appraisal websites can give you an idea of what your vehicle is worth.
|Take advantage of low milage discounts.
Some companies offer discounts to motorists who drive less than a predetermined amount of miles each year.