Auto Insurance
Q: What deductible and coverage type is right for me?
A: Auto insurance companies offer many different coverage limits, types, and deductible choices. A licensed agent can help you decide what works best for you. It’s important to have insurance that meets your state requirements at the bare minimum.
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Q: How do I know if I’m paying too much for auto insurance?
A: There are many factors and variables that insurance companies use when deciding your insurance rate. Some insurance companies may increase your premium because of a certain traffic citation in the past, and others may not. Also, with insurance rates changing, you may very well be paying too much for auto insurance. If you haven’t shopped around recently to make sure you being offered the most competitive rates, there’s a chance you can find cheaper coverage.
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Q: What is the difference between collision and comprehensive insurance?
A: Collision and comprehensive insurance are two different types of coverage that are often confused with each other. Collision insurance covers you just in the case of a collision, and comprehensive insurance protects you from almost everything besides a collision. Comprehensive insurance can provide coverage against theft, vandalism, hail or other weather damage, and other disasters.
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Q: What’s an SR-22?
A: An SR-22 is form required for high risk drivers to carry. Drivers may be considered high risk and asked to carry an SR-22 if they’ve had multiple moving violations, convicted of a DUI, convicted of reckless driving, or if they are constant traffic offenders. Those with an SR-22 can expect to pay more for auto insurance. The only way to remove an SR-22 from your record is by imporving your driving habits and avoiding traffic citations.
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Q: What can cause my premium to increase?
A: If you’ve recently had an accident or received any tickets, it is likely that your premium will increase, depending on the severity of the situation of course. For example, a speeding ticket won’t increase your premium as much as a DUI would. If you think you may be paying too much for insurance, check with other companies online, as rates can change.
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Q: Am I required to have auto insurance by law?
A: Almost every state requires some form auto insurance, but the minimum requirements vary quite a bit depending on where you live. Driving without coverage can result in severe penalties and cost you thousands if you get into an accident.
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Q: How can I lower my auto insurance premium?
A: Since there are many different coverage limits and types, you may be able to lower your auto insurance by making some changes to your current policy. Be careful though, reducing you coverage or increasing your deductible may lower your premium, but make sure it’s the right decision for you. You can also easily shop around online and see if you can keep your coverage the same but lower your payments.
Click here to receive quotes with no obligation from a licensed agent and start saving money on auto insurance today
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