Auto Insurance FAQs
Frequently Asked Questions
When purchasing automobile insurance what should I consider?
Purchase the amount of liability coverage which makes sense for you.
Select the optional coverages you want.4
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.
What is Broad Form Collision?
Broad Form Collision pays for the damages, less deductible amount, for collision damage to the insured vehicle regardless of fault. The deductible will be waived if the driver of your car is not substantially at fault in the accident.
What is collision physical damage coverage?
Collision is the loss you incur when your automobile collides with another vehicle or object like a telephone pole.
What is comprehensive physical damage coverage?
Physical damage coverage for the insured’s own vehicle for damage resulting from perils such as fire, theft, hail, or contact with a bird or animal. Comprehensive coverage excludes collision. Also called Other Than Collision Coverage.
How can I lower my automobile insurance rates?
There are several things you can do to lower the cost of your automobile insurance.
One way is to look for competitive pricing. An independent agent works with many companies and can provide you comparative rates and insure that your are getting the same coverage.