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Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. How Can I Lower My Auto Insurance Premium?
  2. What is the difference between Collision and Comprehensive coverage for my auto?
  3. Do I have to buy the auto rental coverage when I rent a car?
How Can I Lower My Auto Insurance Premium?
The good thing about auto insurance is there are several things you can do to lower your premium. Some things that may lower your insurance premium include:

 
   Keep your mileage down.
    Take a defensive driving course.
    Insure your home and auto through the same place for a multi- policy discount.
    Increase your deductibles.
    Be a good driver - accidents and moving violations increase premiums.
    Be a good student - honor roll students may be rewarded with a discount.
    Maintain a good credit score.
    Review your coverage periodically.
    Consider dropping comprehensive coverage on older vehicles.
    New drivers that have taken a driver training course may receive a discount.

According to Money Expert Dave Ramsey, the NUMBER ONE money-saving tip for insurance is
"Purchase your coverage through an independent insurance agent, which is an agent who represents several insurance companies instead of working for just one carrier". That is US -- Contact us for more suggestions on saving on your policy!

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What is the difference between Collision and Comprehensive coverage for my auto?

Collision Insurance: Collision insurance laws may vary by state, but generally, this insurance covers a loss to the insured's vehicle caused by its impact with another vehicle or object.

Comprehensive Coverage: Comprehensive insurance laws also may vary by state, but generally, this insurance protects against any loss or damage to an automobile except those caused by collision or by upset; for example, glass replacement, towing and labor coverage, or coverage against fire or theft.



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Do I have to buy the auto rental coverage when I rent a car?

Your basic personal auto policy can extend coverage to a personal type and use rental car, but there are many gaps that can cause concern. First, the extended coverage only matches the coverages you have purchased and only for the highest valued auto you have insured. Second, it has to be a personal auto, not a commercial auto or a U-Haul truck. These types of autos cannot be insured on your personal auto and thus coverage cannot be extended. Third, there may be clauses in the contract that would require additional payment by you in the event of an accident. For peace of mind while traveling we recommend you purchase these coverages at the rental agency when renting a car.



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