Auto Insurance

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 and your family.
• Select the optional coverages you want (collision, rental reimbursement, roadside assistance, etc.).
• Choose an insurance company with good reputation and high consumer ratings like Laginess Insurance Agency.
• Don’t base your decision solely on price. Other factors like service and claim response are extremely important in selecting the right insurance provider.

When you loan your car to a friend or an associate, he or she will be covered for liability under your auto insurance policy in excess of his/her own auto insurance limits.

If you have collision coverage on your vehicle then your insurance policy will cover the damage to your vehicle in case of an accident.

Collision is the loss you incur when your automobile collides with another vehicle or object, like a telephone pole for example.

Comprehensive provides coverage for direct physical damage losses you could incur to your car from something like a hailstorm.

The first being to contact an independent agent like Laginess. An independent agent works with many companies and can provide you with comparative rates and insure that you’re getting great coverage at an even greater price.

Another way to lower the cost is to change your deductible. By raising your deductible, you may lower the cost of your automobile insurance by up to 20%. You must be able to pay the deductible amount in case of a claim. You can also look for discounts that you may be entitled to, which could include: multi-car discount, multi-policy discounts when you purchase home, auto, and/or life insurance policies through the same insurance company, different groups or associations (i.e. credit union, alumni association, Chamber of Commerce, etc.)