Blue background with stencil of sedan style car in bottom left. Text, "Switching car insurance? Easier than you think."

Need to Switch Up Your Car Insurance?

It may feel like once you have an insurance policy, you’re set. But your circumstances can always change – do you know your coverage limits? Are you fully covered in case of an accident? How do you know if you’re getting the best auto insurance coverage for your money?

These are all good questions, which is why you should review your policy a least once a year with your insurance agent. When it comes to protecting yourself, your family, and your personal property, nothing should be left to chance.

Maybe you feel you don’t have time to stress about auto insurance rates. But consider this: a simple quote check only takes a few minutes, and it can save you thousands in the long run.

Imagine the peace of mind knowing for sure that you’re fully covered in case the unthinkable happens.

What is the difference between good and bad insurance?

Additional Resources

  • Coverage Limits

    Good insurance provides all the coverage needed to protect you in case of an accident or major catastrophe. Bad insurance is usually the minimal amount required by law but often is not enough to cover the basics.

  • Family Protection

    If you’re in an accident and don’t have the right coverage, then you face major financial loss. If your liability limits are too low, or if you didn’t have enough property damage coverage, then you could end up paying off the expenses for years.

    Don’t risk losing your savings by failing to take a few minutes to check your auto coverage.

  • Vehicle Coverage

    Your vehicle is an investment, no matter its age or current value. If you don’t have collision & comprehensive coverage and your car is totaled in an accident, you may not be able to replace it out-of-pocket or pay off a car loan.

What’s the biggest pain of switching insurance?

Most people think switching insurance takes too much time. It’s far easier to just stick with what you currently have. As creatures of habit, we tend to stick with what is most comfortable and familiar.

Maybe you’ve been with the same agent for years and don’t want to rock the boat by switching. Maybe your entire family has the same carrier. Some people choose to stay with their current carrier even if they know it’s not offering the best coverage or rates because it’s easier.

But none of this will matter if you’re in a major accident and discover you’re underinsured.

Educating yourself on proper coverages and rates won’t cost you anything but a few minutes of your time. Plus, it could end up saving you thousands in the case of an accident.

Understanding your policy

  • Collision and Comprehensive Coverage

    Collision and comprehensive coverages both pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan, you may be required to purchase both.

    • Collision coverage insures you against damage to your vehicle caused during an accident.
    • Comprehensive coverage insures you against anything other than collision damage, like physical damage by events like fire, theft, flood, and vandalism.

    Collision and comprehensive coverage usually include a deductible, which can range from $100 to $1,000. If your car is damaged, the insurance company pays only for the damage exceeding the deductible you selected. The higher the deductible, the lower the premium.

  • Liability

    Liability coverage pays for injuries you cause to other people and damage you cause to other people’s property when you are at fault in an automobile accident.

  • Medical Payments

    This coverage pays medical expenses for you and your passengers if you’re injured in an automobile accident, regardless of fault. If you and your passengers have health insurance, you may not need this coverage. Just keep in mind, depending on the limits, this may not cover all your expenses.

  • Personal Injury Protection

    This coverage, also known as No-Fault coverage, pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an automobile accident and are unable to work. Some states require this coverage, so check your state’s laws.

  • Uninsured/Underinsured Motorist

    This coverage pays if you are injured by a person who is completely uninsured or doesn’t have enough liability insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.

  • Optional Coverage

    Optional coverage can include extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required, but they’re great to have in an emergency.

Why is having the right insurance is important?

Protecting yourself and the ones you love is the most important thing you can do. So if life happens and if you experience a major event, you need to make sure you’re fully covered. If your coverage is not enough to cover an accident, then you’re responsible for the rest.

In fact, the other party can legally go after your assets or even your wages until the claim is fully paid. By having the right coverage, you’re taking steps to secure your assets and future wages.

Take the time today to ensure the people and property you love are protected!

Working with a local, independent insurance agency has many perks compared to figuring out your insurance policy by yourself. Not only do independent insurance agencies represent the top insurance carriers, but we act as your financial adviser.

Not sure how to start? Use this checklist to prepare all the information you need to talk with your insurance agent.

Download

Thinking of switching? (It’s simpler than you think!)

  1. Speak to your agent about your current rates and your coverage needs.
  2. Understand your current coverage and options.
  3. Get a price quote and compare policies.
  4. Transfer your car insurance policy to a new company or re-up with your current insurer.
  5. Gather your new policy documents.
Switching insurance: A 5-step process. One, speak with an agent. Two, understand your coverage. Three, get a quote and compare. Four, transfer policy. Five, gather your new policy documents.
Call Us Send an Email Book Meeting

What About Pricing?

Yes, it’s true that higher auto insurance limits often cost more than lower limits. But have you considered the cost of not having the right coverage in place?

We’ve all heard the expression “time is money,” and when it comes to your car insurance, spending a few minutes to do some research can save you a whole lot of money down the road.

Most people say they’re too busy, or they’ll never be in an accident. Or they insist they trust their agent – surely, they would tell them if something wasn’t right. But you can’t afford to gamble when it comes to protecting your family and hard-earned assets.

So take a few minutes to contact us today. We’ll review your insurance policy with you and help you make informed decisions about what coverage is best for you and your family – so you can have the peace of mind you deserve.

We have compiled some of the additional insurance discounts offered by various insurance companies. Could you be saving money with these discounts?

Read more
Tablet with stylized form on screen (no text). Right half of image has text, "Lower your premiums, steps to take to lower your auto insurance premiums

When it comes to insurance, we all want to save money. We get it, insurance can be expensive! You want good coverage, but at an affordable cost.

Read more

Mistakes happen. Navigating SR-22’s and broadform insurance is a stressful time. When you work with us you will get a caring insurance professional who can help you through this process.

Click for help

Get in touch