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.
Am I covered if I drive someone else's vehicle?
Generally speaking, the insurance goes with the car. For example, if you have an accident while driving someone else's car, the owner's insurance would apply toward damages first. Your insurance would generally apply in the event the owner of the vehicle had no auto insurance or did not have enough auto insurance to pay the damages.
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?
Many things can affect your rates such as:
· Your driving record
· Where your 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
If I'm in an accident, can I get a rental car?
Yes, if it is included in your policy. To verify if you have rental coverage please contact us.