Frequently Asked Questions

Frequently Asked Questions

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 and your family.
  • Select the optional coverages you want (Collision, Rental reimbursement, Roadside assistance, etc.).
  • Choose an insurance company with a good reputation & high consumer ratings.
  • Don’t base your decision solely on price. Other factors like service and claim response are extremely important in selecting the right insurance provider.
Q: Does my insurance policy cover a friend if I loan him/her my car?
A: 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.
Q: What is Collision 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/Other Than Collision(OTC) coverage?
A: Comprehensive provides coverage for direct physical damage losses you could incur to your car from something like a hailstorm.
Q: How can I lower my automobile insurance rates?
A: There are several things you can do to lower the cost of your automobile insurance.
One way is to contact an independent agent. An independent agent works with many companies and can provide you with comparative rates and insure that your are getting great coverage at a great 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 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 may 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 (Ex: Credit Union, Alumni Association, Chamber of Commerce,etc.)

Question not answered? Then give us a call at 734-455-5088, or go to the contact us page.