Auto Insurance Recommendations TLDR;
- [STATE] state has minimum auto insurance requirements regarding bodily injury liability coverage and property damage liability coverage. This usually isn’t enough insurance for proper protection. However, it’s also important to avoid being over-insured.
- If you are in an accident, always report it right away and take lots of photos!
- When shopping for an auto insurance policy, be sure your vehicle’s features are fully documented so that you can be properly compensated in case of a total vehicle loss.
- Always comparison shop for insurance. (At [INSURANCE_AGENCY] we do that for you!)
- PLEASE understand the important differences between an Independent Insurance Agency and a Captive Insurance Agency. The difference could have a massive impact on your insurance costs and your insurance claims experience!
- Be sure to discuss ALL the potential discounts available to you based on your specific situation. For example, the more you share about the number of vehicles you own, if you own/rent a house, etc. can help you save significantly through bundling.
- If you own a business, there are special considerations you need help with even if your employees are driving their own vehicles while performing work-related tasks. You definitely need an adequate risk analysis to help you understand what kind of insurance you require.
State law in [STATE] mandates that you purchase a certain minimum amount of auto insurance. This isn’t only for your protection when driving. It’s also to help protect other drivers on the road. This leads some individuals to make potentially poor choices with their coverage. At [INSURANCE_AGENCY] we’re here to help you learn what you need to know about car insurance… check out these ideas…
While [STATE] state has minimum liability insurance and property damage requirements, the minimums are often not enough to adequately protect you in the case of a multi-vehicle car accident. There’s also the issue of uninsured motorist / underinsured motorist insurance. Conversely, people often end up being over-insured by buying too much auto insurance. Having comprehensive coverage is important however being over-insured only benefits the insurance company. We prefer your protection to be “just right” for your needs. It’s also better for your bottom line. If you are working with another insurance agency and want us to review your policy, we’re happy to do it at zero cost to you and to present you with potential money-saving options.
So what happens if you are involved in an accident? It’s really important that you report it to your insurance carrier right away. If you work with us here at [INSURANCE_AGENCY], please tell us too. We’re your local auto insurance lifeline in [CITY] and the surrounding counties. We’re here to help you to make sure your claim process goes well. One tip: take plenty of photos of your vehicle from all angles possible. Take photos of other cars involved in the accident and be sure to photograph the overall “scene”. All of this documentary evidence is important for your protection and to ensure you are correctly compensated for the damages resulting from your accident.
Another point to consider is making sure you have supplied your agent with the most accurate information about your vehicle. The best way to do this is to provide your independent insurance agent with a copy of your VIN number. This “Vehicle Identification Number” documents the year, make, and model of your car as well as it’s important features and options. However, you should review those carefully and be sure your agent is aware of other features not mentioned. For example, you may have paid to have a high-end audio system. You’ll want to be sure details like that are taken into consideration. These might actually increase the cost of your insurance policy but it also makes certain that if your vehicle is totaled, you get the maximum dollars available to help you replace your ride.
As you shop for insurance in the [ZIPCODE] zip code and surrounding areas, it’s a good idea to comparison shop. One thing people love about working with us at [INSURANCE_AGENCY] is that we actually work with many high-quality carriers and do the comparison shopping for you. This saves you time and helps you make a good decision on the insurance you purchase. Remember that insurance is about more than just how much it costs. It’s also about the support you’ll receive if and when you have a claim. We know the carriers we work with and can guide you on the ones that have the best potential claim outcomes based on your specific needs and budget. That way we can help you both afford the right insurance while at the same time giving you the peace of mind knowing that you are properly protected.
Another benefit of working with us as an Independent Insurance Agency is that we really are here to serve you. We work for you. That’s different than “captive” agents who work directly for the specific insurance company they represent. Because we work for you, we are 100% focused on what you need. That includes helping you properly compare various insurance policies in an “apples-to-apples” sort of way. This again helps you to find the best insurance in [CITY] and all of [STATE] possible.
If you are a new driver, talk with us about potential insurance coverage savings by taking drivers training courses. The cost of such lessons are definitely offset by potential savings you’ll receive by taking them. Again this varies a bit by carrier so it’s best to talk directly with us to see what’s available.
Speaking of discounts, we will always seek to help you save money at [INSURANCE_AGENCY] while also maximizing your protection. There are often discounts for being a good driver, non-smoker, insuring multiple cars with the same carrier, etc. Even your age can have an impact on pricing. One of the best ways to save is to “bundle” your homeowners insurance and auto insurance together. This can achieve significant savings for both kinds of policies. (We may even be able to help you if you are a renter.)
Finally, if you own a business in and around [CITY} and in [STATE] in general and need to insure vehicles (or drivers) for the business… rest assured that we have your back. Much of what we’ve already discussed in this article applies to you as well. And there are important nuances about business risk management when it comes to employees using their own cars for work purposes that you must consider. Again, we’re here to help with FREE advice so definitely reach out to us to learn more.
At [INSURANCE_AGENCY], we love helping folks in [STATE] with their auto insurance needs. We want you to have the best car insurance for your requirements. Please reach out for a FREE review of your current car insurance policy. We’ll be happy to chat with you. Give us a call at [PHONE].
