AUTO & HOME INSURANCE

car accidents

Affordable Car Insurance

Never drive uninsured. It’s against the law. Now that we have that most important point out of the way. Lets cover some details about individual or personal automotive insurance. There are several options to choose from when it comes to personal and commercial auto insurance, you must make certain you have the correct type or there is a chance a claim will be denied. We cover commercial auto insurance in the commercial insurance services section of the website.

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Liability Coverage

If you’re responsible for an accident, your liability coverage will cover the costs of any injuries or property damage caused in the collision. Most states require you to carry a minimum amount of coverage, so check with your insurance agent to understand your basic requirements.

Collision Coverage

Covers the cost to repair or replace your car if it’s damaged or destroyed in a wreck.

Comprehensive Coverage

This level of insurance covers your losses that aren’t caused by a wreck such as theft, vandalism, flood, fire, and hail.

Common Misconceptions Of Auto Insurance

We get a lot of questions about what affects insurance rates. Many are valid, but we also hear a lot of misconceptions particularly about auto insurance.

Here are 4 common misconceptions we hear a lot.

  1. Expensive cars cost more to insure – It has more to do with the history of that model of vehicle around factors like maintenance cost and loss history. Always good to check with an insurance agent when considering a new vehicle purchase to avoid unexpected surprises.
  2. Getting speeding tickets and other traffic violations increase your premiums – depending on the violation and your prior history, your experience may result in no change to premiums. Several states allow you to take classes to improve the status of your driving record. This could also lower your premiums. Remember, these situation can vary depending on your individual situation.
  3. Bright colors, like red, cost more to insurance – the color of your car has no impact on your insurance premiums. The make and model are the main factors. So go indulge in the color of your choice without worrying about paying more on your insurance because of it!
  4. You’ll be fine if you carry the state minimum liability insurance – in many cases the minimum coverage won’t cover the cost of an accident. And usually ends up with you paying out of pocket for damages to yourself and vehicle. While you may be legally covered, this doesn’t save you from the situations of the real world! Make sure you’re properly insured against all damages!
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