New to insurance? Not sure what you need? Here are some basics to get you started.
Do I really need auto
insurance?
Auto insurance is designed to protect you financially. If you are
responsible for injuries, you may be held liable for the injured
person's vehicle repairs, medical expenses, therapy and loss of wages.
All states require you to be financially responsible when driving a car.
Depending on the state, you may be legally required to have auto
insurance.
Who is covered under my auto policy?
It depends on your policy. Often, your spouse, children or others with
permission to drive your vehicle are covered. Be sure to check with us
for your particular policy.
What coverage options are
available?
Most states require that you carry a minimum amount of liability
coverage. Liability insurance pays for damages if you become legally
liable due to resulting body or property damage. Beyond that, you have
many choices, ranging from different types of coverage, the amount of
coverage and deductibles.
What factors may affect my auto
insurance rates?
• Your driving record
• Where you're vehicle is garaged
• The make, model and year of your vehicle
• Your age and /or gender
• Youthful operators
• How you use your vehicle / daily miles to work etc.
How can I reduce my rates?
• Increase your deductible.
• Drive safely.
• Meet the requirements for one of the many discounts: multiple auto,
multiple line, good student, etc.
What factors can change my rates?
Your insurance cost can increase or decrease depending on your personal
situation and the level of risk. Your rates can change because of
changes in:
• Marital status
• Number of people in your family
• Change in use of vehicle
• Driving records
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If I'm in an accident, will my insurance
pay for a rental car?
Yes, but only if it is included in your policy. To verify if you have
rental coverage please contact us. It is easy to add at
any time.
