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:

When you loan your car to a friend or an associate, he or she will be covered under your automobile insurance policy.

Q:

What is collision physical damage coverage?

A:

Collision is the loss you incur when your automobile collides with another vehicle or object like a telephone pole.

Q:

What is comprehensive physical damage coverage?

A:

Comprehensive provides coverage for direct physical damage losses you could incur to your car from something like a hailstorm.

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.