| 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.
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| Q: |
What is Collision Coverage? |
| A: |
Collision protects your vehicle from damage caused by collision with another vehicle or object. |
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| 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. |
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| Q: |
What is Comprehensive? |
| A: |
Comprehensive protects your vehicle from non-collision damage such as theft, fire, glass breakage, hail or striking an animal such as a deer. |
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| Q: |
How can I reduce my premiums? |
| A: |
Independent Trusted Choice Agents can provide competitive rate comparisons from many companies while insuring that you are getting the same or improved coverage. You may also want to consider raising your deductible which could result in substantial savings. (The deductible is the amount you must be able to pay in the event of a claim.) Additionally, there are other credits for which you may qualify such as an Account Credit when you insure your home with the same company, a Nonsmoker Credit, a Good Student Credit, etc. |
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