Auto Insurance to fit your budget and needs
Low Cost Auto Insurance
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Let Us Take the Hassle Out of Searching for Low Car Insurance Rates
Don’t spend your time looking for a great deal on auto insurance. Our agency can take the pressure off of you. It just takes one call to to see how much we can help save you on your auto insurance today! Our agency is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different insurance carriers. In this way, clients have access to offers from multiple carriers all in one place. |
Do You Car Pool?
Liability Insurance Exclusion Drivers involved in car pools and other group arrangements may wonder if the situation is covered under their auto policy. This concern is valid as many auto policies have restrictions. Typically, liability coverage under personal automobile policies does not apply to "…liability arising out of the ownership or operation of a vehicle while it is being used as a public or livery conveyance." (A public conveyance is a vehicle used indiscriminately in transporting the public without being limited to certain persons or occasions. A livery vehicle is one that is offered for rental). There is slight variation in language among policies issued by various insurers, but the intent is the same: to exclude the use of a personal auto for transporting people or property for income. However, this exclusion does not affect coverage for car pool, driver group, and share-the-ride arrangements. Feel free to call our office today. Most transactions such as quotes, binding and payments can be handled from the comfort of your home. |
How do I know that I’m getting a great deal on insurance?
Our agency uses the most state-of-the-art software to make sure you get all the discounts you deserve while comparing with all the many companies we have available for you. Our agency is unique because it does not simply stick to one kind of insurance provider but brings the clients the best deals from many different insurance carriers. In this way, clients have access to offers from multiple carriers all in one place. Is it better to keep my auto insurance with the same company as my homeowners policy? Some companies offer discounts when you have automobile and homeowner's with them. The company may cover house, auto, boat, etc., under one policy. However, there may be situations where you can save money by spreading your coverage among several companies. It is your choice. Our agency will shop carefully for all of your insurance needs. Other than my driving record and type of car, what other factors do insurance companies use to determine my premiums? Do all insurance companies look at the same things? Most insurance companies look at driving records, type of car, use of vehicle, location of vehicle, and age of driver. What happens if I am in an accident with someone who doesn't have coverage, and the other driver is at fault? To protect yourself in the event you have an accident with one of these illegal motorists, you can purchase uninsured motorists coverage. You will be paid for damages just as if the other driver was covered. |
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Advertisements for cheap car insurance seem to be everywhere. Is this good enough for you?
It is a misconception that all auto insurance policies are the same. For some people, the least expensive policy is good enough. However, it is best to customize the policy to meet the specific needs of your vehicle and your lifestyle. How do you know what is too cheap and what is just right for you then? What Your Policy Needs to Do for You When choosing car insurance, there are a few key things to look for to determine if it is the right one for your needs. Put price aside for a moment. Only after you consider coverage, then you can compare providers to determine which offers the best price for that amount of protection. Here are a few things to consider. Do You Have a Loan or Are You Leasing the Car? Those who have a lease or loan on their vehicle may have a requirement from the title holder to carry full coverage. This generally includes:
Does the Vehicle Have Value? If you do not have a loan or lease, consider the value of the car. If the car was not possible to repair in an accident, could you easily replace it? If it would cause financial hardship for you to lose the car like this, it may be worth considering collision insurance and comprehensive coverage. Collision insurance covers damage to your car if you hit something. Comprehensive covers the vehicle from losses such as fire and theft. How Much Liability Insurance Do You Need? One of the ways some companies offer very low-cost auto insurance is by providing you with just the state minimum requirement. However, this is a big risk. A simple accident can cause significantly more damage than this basic policy can cover. In an accident, the lowest car insurance may not cover all of the losses you need it to. This means you may have to pay out of pocket for it. Is cheap car insurance a good thing? It can be if you do not have a lot of value in the vehicle. However, a customized auto insurance policy is best. Work with one of our agents to obtain one. |