Searching for automobile insurance can be a headache, especially with all of the companies out there offering insurance. You need to know your deductibles, which coverage you need, what covers what, etc. And, on top of that, you want to find the best price.
Collision – Collision insurance covers your vehicle if you have an accident such as hitting a tree, guardrail, curb, another vehicle, etc.
Comprehensive – Comprehensive coverage covers your vehicle if something else, such as a rock, theft, or animal damages your vehicle.
Property damage – When you have an accident, this covers property of others that you damage. This is what pays the other party for whatever personal property of theirs that you damaged.
Bodily Injury Liability – This covers your financial interest if you injure another human in an accident. This will pay for their medical bills and other expenses. Medical care is very expensive and it’s a very big risk to not carry enough liability coverage. Willard Insurance can help you determine how much you may need.
Un/Under insured liability – This will pay you in the event that you’re injured by someone else that was unidentified or didn’t have enough insurance on their policy. It’s very important to have this because you have NO control over how much insurance people around you have.
Drivers under 25 and over 65 typically have higher rates due to statistics. Those two age demographics have the most risk for financial loss due to an accident.
Insurance companies have used your credit score for many years to determine the insurance rate. The higher your credit score, the lower your rate could be.
The engine size, safety features, type of car, etc., all factor into the rate that you receive from your insurance company.
Your driving history plays a major factor in your insurance rate. If you have a bad driving history, multiple accidents or multiple violations, chances are your insurance premium will be higher.
Insurance companies underwrite at a household level.
Choosing higher deductibles for collision and comprehensive coverage is an easy and cost-effective way to lower your auto insurance. In many cases, the premium savings realized by switching to a higher deductible may be enough to offset the cost difference of an increased deductible in just a few years.
By insuring your auto & home with us, you could receive a discount on your auto premium as well as your homeowners insurance premium.
If you insure two or more vehicles with certain insurance companies, and they are owned and used by the individual and/or relatives living in the same household, you could receive a discount.
New policyholders who are claims and violation-free may be eligible for an additional discount.
By paying your premium in full by your effective date, you could receive a discount with certain companies.
Long-term, claims-free drivers receive additional discounts.
©2024 Willard Insurance Agency | Privacy Policy | Website developed by SKY6 MEDIA
