insurance

Now Is The Time To Think About Your Personal Insurance

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Personal Insurance Planning

Finding the right liability insurance is not always an easy task. Don’t believe the TV ads; it does take longer than ten minutes to get insurance.  But finding the right insurance for you does not have to be overly difficult. Let us do all the heavy lifting.

There are a number of items you may want to consider when reviewing your auto insurance needs.

  1. Let Us Shop for the Lowest Price Available

You get what you pay for, and we compare not only price, but policy features as well.  Not all auto insurance companies offer enhanced benefits like superior claims handling, customer service guarantees, and roadside rental car delivery. We assess all of the benefits included in each policy to determine the true value that you will receive.

  1. Choose Adequate Liability Coverage

Liability insurance helps protect you and your assets if you cause an injury to others or damage the property of others with your vehicle. If you choose lower liability limits, an accident that causes serious injury can result in medical bills and lost wages that could far exceed your minimum coverage and leave you financially exposed. Make sure you’re fully protected.

  1. Don’t Miss Out On Potential Discounts

You could get discounts for low-mileage driving, having multiple policies through the same insurance carrier, using anti-theft devices, taking defensive driving courses, and more. Be sure to ask which discounts are available.

  1. Update Your Policy To Reflect Any Major Life Changes

Keep your policy current. For example, forgetting to add a new teen driver to your policy can cost you dearly in the case of an accident. You may need to alter your policy if you purchase a new home, car or other property, change your marital status, start a business, move, or retire.

  1. Always consider increasing your deductibles on older autos

Increasing auto deductibles can save hundreds over time. Older vehicles will have low valuation, and in the event of a total loss you may not receive much settlement.