Auto Insurance

carrails_420x315Here are some common questions people ask when they shop for car insurance:

What type of auto insurance can I choose from?

There are two types of auto insurance: Liability coverage pays for damage to other vehicles or injuries to other people that you cause. Physical Damage coverage pays for damage to your vehicle. These two coverages are the foundation of your policy.

How much coverage should I buy?

Each state defines the minimum amount of coverage required, but after that, the amount of coverage you buy is up to you. You choose based on your comfort level, budget and lifestyle. Some people want as much coverage as possible for all of life’s “what ifs.” Others are satisfied with bare-minimum coverage. If you have a newer vehicle, you may want more coverage to protect your investment. If you can afford higher deductibles (the amount you’ll pay out of pocket in the event of an accident), you can raise them and pay less premium.

How is my rate determined?

Rates are based on a combination of pieces of information about you, your driving record and your car. It’s important for you to provide accurate information to your local agent or to the insurance company you’re buying from. It helps them determine the best options and rates for you.

Can I get a lower rate?

Many insurance companies offer discounts that can help lower your rate. For example, Progressive offers discounts for good student drivers, paying your premium electronically and having more than one policy.

Drive with confidence on the road ahead. Call us today to discuss competitive pricing and flexible coverage options.

Did You Know?

That drivers usually spend five seconds looking at their phone, which is enough time to cover more than the length of a football field going normal highway speeds.