Personal Insurance

Four Golden Rules to Buying Auto Insurance

auto insurance

Simplify the auto insurance selection process and ensure you have adequate coverage with these tips:

1.  Consider higher limits of coverage than the state-required limits.  If you choose the minimum coverage required by your state, you may not be fully covered in an accident.  For example, if your auto insurance property damage coverage is $15,000 and you cause $25,000 worth of damage, you’ll have to pay the remaining $10,000 out of your own wallet.

2.  Tell it like it is. Be completely up-front and honest about your driving history. If you fail to disclose past accidents, speeding tickets, or other moving violations, the insurance company will not be able to give you an accurate quote.  As soon as the insurance company checks your driving record, they will adjust the price to reflect your violations.

3.  Pay attention to the total package.  Consider price, coverage, convenience, and customer service.  Decide what’s most important to you, and communicate this with your auto insurance agent so they can help you choose the company that is right for you.

4.  Don’t double up on coverage.  Before you settle on a policy, consider any other auto coverage you may have so you don’t duplicate coverage.  For example, if you are a member of AAA, your membership probably covers towing costs if you break-down.  Therefore, there’s no need for a policy that includes roadside assistance coverage.

As your insurance agent, we are here to guide you in selecting your auto insurance coverage.  Please call us today and we will help ensure you have the right coverage for your needs.


Do You Have Uninsured Motorist Protection?

A recent study by the Insurance Research Council* revealed that by 2010 one in six drivers across the United States may be driving uninsured. This means responsible, insured drivers may end up paying for injuries caused by uninsured drivers.

How can you protect yourself? Uninsured motorist coverage is designed to provide you protection if you are involved in an accident where an uninsured motorist is at fault.

Give us a call to find out how to add this coverage to your policy.



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