You hear words like deductible, comprehensive, at-fault, premiums, exclusions, liability and others, and it can give you the impression automobile insurance is extremely complicated. Make no mistake insurance has its nuances. It is one of the reasons buying it from a qualified insurance agent is so nonofficial. At is very core however, it is pretty simple.
When you drive, you take risks. You risk injury to yourself and others. You also can put property in jeopardy, like your car, the vehicles of others and property like utility poles, fences and even buildings.
These risks could cost you into the tens, or even hundreds of thousands of dollars. In some instances, automobile accident injury claims have reached into the millions of dollars. Car insurance helps spread the risks over a group of drivers that a company insures.
Most don’t have these financial resources. That’s where automobile insurance plays such an important role.
Auto insurance companies pool the premiums or payments from their clients to pay covered claims from that same group. Depending on the coverage each customer decides to choose, payments may be paid to cover medical costs, repairs to vehicles and other associated costs that may occur in an incident.
So while we may complain occasionally about the cost of car insurance, the protection it provides is well worth the expense. In fact, it is so important, every state in the country (except New Hampshire) mandates that drivers maintain at least some minimum levels of coverage.
Your independent insurance agent can help explain specific terms, limits, and coverages of your automobile insurance policy. As an independent agent, he can obtain price quotes from multiple companies to find the coverage and pricing you can feel comfortable with. They will even seek out potential discounts you may qualify for. Contact one of our agents to get started today. Automobile insurance may seem complicated, but it is far too important to ignore. Let us help make it simple for you.
Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder
Search for a local agent with our agent finder map.
Read more about KayLynn's background.
What Do You Choose to Read About?
From a Family Trip Downtown to Picking up Your Smartphone
Get More From Your Smartphone with These Life Enhancing Ideas
If You Haven’t Been Keeping Up, Electric Cars Are Coming Into Their Own
There are More Off-Campus Living Choices Than Ever
You May Listen Almost Every Day and Still Not Know These
It Seems to Have Happened So Fast, Didn’t It?
Not Including Your IQ, These Numbers Could Impact Your Life Most
You Can Still Get a Porsche Even if You Are Committed to an SUV
Try These Confidence-Building DIY Projects