June 26, 2022

Auto FAQ's

Q: When purchasing automobile insurance what should I consider?
A: There are several things you should consider when purchasing automobile insurance that your independent agent will help you with. Here are a few:
  • Purchase the amount of liability coverage which makes sense for you.
  • Select the optional coverages you want.
  • Decide which company to purchase insurance from.
  • Don't base your decision solely on price. Other factors like service and claim response are extremely important in selecting the right insurance.

Q: Does my insurance policy cover a friend if I loan him/her my car
A: Some personal auto insurance policies reduce coverage when an unlisted driver operates the vehicle.  Refer to your policy or ask your independent agent for clarification.

Q: What is collision physical damage coverage?
A: Collision provides coverage for the loss you incur to your automobile when it collides with another vehicle or object like a telephone pole.

Q: What is comprehensive physical damage coverage?
A: Comprehensive provides coverage for damage sustained by your car for occurrences such as theft, vandalism or broken glass.

Q: How can I lower my automobile insurance rates?
A: There are several things you can do to lower the cost of your automobile insurance.
  • One way is to look for competitive pricing. An independent agent works with many companies and can provide you comparative rates and insure that your are getting the same coverage.
  • Another way to lower the cost is to change your deductible. By raising your deductible you may lower the cost of your automobile insurance almost 10% You must be able to pay the deductible amount in case of a claim. You can also look for discounts that you may be entitled to. Some examples of discounts that may be available are: multiple cars under the same policy, carrying a homeowners policy with the same insurance company, different groups or associations.   Also, higher deductibles prevent the reporting of smaller losses.  Insurance companies review your loss history when determining rates.
  • Obey the driving laws and drive with caution.  People who have no tickets or accidents on their driving records are eligible for lower rates than someone who does.