How much Auto Insurance coverage do I require?
Most states require drivers to carry a minimum amount of liability insurance. Liability insurance provides coverage for other drivers in the event you’re at fault in an accident that causes injury or property damage to others. The amount of coverage you carry beyond liability is contingent on a number of factors:
- The value of your car and other assets
- How often you drive
- How you use your vehicle (e.g., mostly driving to work, etc.)
- Do you regularly transport passengers? How many?
What happens if my liability coverage isn’t enough to cover a claim against me?
You can be personally liable for any expenses that exceed your coverage. Therefore it is always recommended to purchase limits higher than the State requirement.
What is a deductible?
How does the deductible amount I choose affect my rates?
What steps can I take to decrease my Auto Insurance rates?
How do insurance providers use my previous record to determine my current rates?
Do I have to buy auto insurance from you if I get a quote online?
What payment options do you offer?
When does my policy begin covering me and my vehicle?
How secure is my private information with your company and on your website?
What kinds of discounts are available for Auto Insurance?
- Home-Owner Discount
- Prior Insurance Coverage
- Defensive Driving Certificate
Please note that some discounts are provider specific. Ask your provider what discounts might be available to you.
Why did my Car Insurance rates change?
Many factors can cause your Auto Insurance rates to change:
- Normal market fluctuations, influences, and variances
- You had an accident that was your fault
- You’ve been involved in several accidents within the last few years—even if some weren’t your fault
- You’ve had a recent traffic citation
- You recently added a driver to your policy
- You’ve gone several years without an accident or traffic citation
How much should I choose for my deductible?
Does the kind of car I drive influence my Auto insurance rates?
What is “full coverage?”
- Glass Breakage
Collision includes hitting another object or over-turns.
In order make your policy a true “full coverage” policy, all products available must be purchased. For more information please visit one of our locations.
Am I covered if I drive someone else’s vehicle?
Generally, the insurance policy of the vehicle’s owner covers you if you drive someone else’s car with permission. In the event of an accident, your own personal auto coverage may kick in, depending on your individual coverages. However, the vehicle owner’s insurance will always provide the first, if any, line of coverage.
However there are other types of auto insurance policies available that will only cover the listed driver on the policy. Therefore it is very important to ask your agent if the policy you are purchasing is a “Named Driver” policy.
Are other drivers covered if they drive my vehicle?
Am I covered if I rent a car?
Will my policy be cancelled if I have an accident?