Non Government Entity
Up to 20% potential savings
Up to 15% potential savings
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The right coverage depends on your assets, risk tolerance, and state requirements. At minimum, you need your state's required liability coverage. However, we typically recommend higher liability limits to protect your assets, along with collision and comprehensive coverage if your vehicle is newer or of significant value.
Many factors influence your rates, including your driving history, age, location, vehicle type, credit score (in most states), annual mileage, coverage levels, and deductibles. Our advisors can explain how these factors affect your specific rates and find ways to save.
You can potentially lower your premiums by bundling policies, increasing deductibles, maintaining a clean driving record, taking advantage of discounts, improving your credit score, and choosing a vehicle with lower insurance costs. Our advisors can review your specific situation to find savings opportunities.
Collision coverage pays for damage to your vehicle from accidents with other vehicles or objects, regardless of fault. Comprehensive coverage pays for damage from non-collision events like theft, vandalism, weather, falling objects, and animal collisions.
After an accident, you should exchange information with other drivers, document the scene, file a police report if necessary, and contact your insurance company promptly. Your insurer will assign a claims adjuster who will evaluate the damage and determine coverage. Our advisors can help you understand the claims process for specific carriers.