3 Types of Auto Insurance

 

Standard Auto Insurance Policy

A standard auto policy provides liability insurance in the event of an accident. This covers people or property harmed in an accident, as well as any legal fees you may incur. It does not cover the damage to your vehicle.

Comprehensive and collision are additional coverages that can be added to your policy. They cover damage to your vehicle and damage from causes other than a collision, such as from a storm or vandalism. Generally, if you have a clean driving record and haven’t filed too many insurance claims in the past, you can qualify for standard auto insurance coverage.

 

High-Risk Car Insurance Policy

Have you had several accidents? Do you have speeding tickets or other moving violations? If so, you may be considered to be in the high-risk insurance category. Regardless of your history, we can help you determine the type of policy you need, and find the most affordable rates available.

There are lots of reasons an insurance company would consider a driver to be high risk. And there are also insurance companies that won’t insure high-risk drivers at all. Here are a few groups who may fall under this category:

  • Teenage drivers
  • First-time drivers
  • Drivers 65 and older
  • Drivers with lapsed coverage
  • Drivers with no credit or poor credit
  • Drivers with moving violations
  • Drivers with DUI or DWI convictions
  • Drivers with other serious violations

You can’t help how old you are or if you’ve gone a season without a car, but there are some risk factors you can work on to lower your premium for high-risk car insurance.

  • Be a safe driver. This is a smart plan for you, other drivers on the road, and your wallet. Slow down, stop texting, don’t drink and drive.
  • Pay your bills on time. Bad credit can actually increase your annual car insurance premiums.
  • Take a defensive driving course. This is for all our first-time drivers, teenage drivers, or drivers getting back on the road after their last policy lapsed.
  • Wait it out. Dings on your driving record don’t go away overnight. You may have to wait several years to more than a decade for some violations to drop off your record.

In the long run, you have more control over your insurance premium than you think. If you need a high-risk auto insurance policy, we have one that will suit your needs and save you as much money as possible.

 

Classic Car Auto Policy

Insurance on your classic or antique car is a necessity. Whether you drive your car in parades or show it at car shows, our classic car policy provides insurance for your car based on its appraised value. We offer classic car insurance policies for this purpose. We can also help you determine if you meet the eligibility requirements for this type of coverage

A classic car insurance policy provides many of the same coverages as a regular auto insurance policy. A classic car policy can provide liability coverages, uninsured and underinsured motorist coverage, and medical coverages like personal injury protection or medical payments coverage. You can also purchase towing and roadside assistance reimbursement.

The primary difference in a classic car insurance policy is the coverage it provides for your vehicle under collision and comprehensive coverages. These coverages will be based on the agreed value of your vehicle. This amount is an agreement between you, the owner, and the insurer on the value of the vehicle the policy is written for. This amount usually considers industry guidelines and is generally reviewed upon policy renewal.

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