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How happy are you with your auto insurance?

A lot of people think they can get by in life without insurance but this is not true with auto insurance. Driving without auto insurance is illegal in most of the States. Not having auto insurance is bad; not having a good auto insurance plan can be just as bad. There are six types of coverage you can receive:

  • Collision - Any damage that happens to your car via collision will be covered under this coverage, it does not matter who is at fault.
  • Bodily Injury - Any type of injury you receive via accident is covered under this coverage. This includes any medical costs.
  • Property Damage - If you damage any property while driving your car your insurance will pay for the costs.
  • Personal Injury Protection - This coverage can compensate you incase injuries you sustained in an auto accident are preventing you from working.
  • Uninsured Coverage - This covers any accident with an uninsured motorist, or if you are hit in a hit and run.
  • Comprehensive - This covers anything else that can happen to you car outside of a collision, such as theft, fire or vandalism.

Get your free auto insurance quote today - just fill out the form to the right!

Did you know that the higher you’re deductible is the lower your premium will be? The premium is the monthly payment you pay on your policy. The deductible is the amount you pay for the damages. For example, if your deductible was $500 you would pay for any damages under $500 and if the damages are more then you pay the $500 and the insurance company picks up the rest of the bill.  

How Does My Driving Record Affect My Premium?

The worse your driving record is the higher your premium will be. If you are seen as a reliable driver your premium will be lower because the insurance company assumes you are at less risk to get into an accident. If you have a bad driving record the insurance company views you as a great risk and since they assume they will have to spend more money on you they will charge you more.
 
 

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