Most of us spend a great deal of time in our vehicle; whether it’s taking the kids to a basketball camp at Drake University, running to HyVee, or driving down I235 during rush hour to work in downtown Des Moines. Our passengers need to be safe and protected if something happens.
What we do to help you get the right auto insurance?
- Discuss what the right type of coverage for your situation
- We then shop all our carriers for the best rates
- We provide you with the top three options and discuss the best fit
Auto Insurance Definitions
- Liability Insurance: Protects against claims for bodily injury or property damage caused by a vehicle accident in which you or your covered family members are considered responsible.
- Comprehensive Coverage: Pays to repair damage to your vehicle, such as: glass breakage, fire, theft, natural disasters, vandalism, falling objects, and other losses.
- Collision Coverage: Protects you from losses resulting from damage to your vehicle due to a collision with another object.
- Full Coverage: A combination of liability insurance, as well as comprehensive and collision coverage. This insurance is subject to a deductible.
- Uninsured Motorist: Provides bodily injury coverage for accidents caused by a hit-and-run driver or uninsured motorist; which occur when you or your family members are driving a covered vehicle, or while you are a pedestrian.
- Under Insured Motorist: Pays for damages you are legally entitled to recover from another party, when that person's insurance is not adequate enough to cover your loss.
Less Common Types of Auto Insurance Coverages
- Rental Reimbursement
- Towing and Labor
- Auto Loan/Lease Coverage (Gap Insurance)
- SR-22 Insurance
Auto Insurance F.A.Q.
Do I have to have auto insurance?
In every state but New Hampshire and Wisconsin, if you own or drive a vehicle, you must have Liability insurance coverage. If you lease a car or have a car loan, you’ll probably need Comprehensive and Collision coverage as required by your loan agreement. Your independent agent can tell you exactly what your state requires.
Why buy auto insurance from a local independent agent?
As your local independent agent and a respected member of your community I understand your insurance needs and comprehend the risks associated with owning an automobile. As an Independent Agent I have the ability to find you the best rate by pricing rates with multiple insurance companies. A Captive Agent such as State Farm or Allstate are limited to one company. As your independent agent in your neighborhood I have resources that can help you understand your insurance and manage your insurance needs as your life evolves.
What should I consider when shopping for insurance?
A few things to think about:
› Rates: Does one company offer a lower rate for the same coverage?
› Payment Options: Are they flexible? Does the company offer discounts for a particular payment method?
› Service: Does the company offer 24/7 bilingual customer and claims reporting service?
› Claims: Do they have responsive claims service that can save you time and stress if there’s an accident?
› Financial Strength: Is the company stable, with a proven track record?
What is a deductible?
The amount of money you agree to pay out-of-pocket from an accident before the insurance company pays. For example, if you have comprehensive coverage with a $250 deductible and your new car is stolen, the insurance company pays for the value of your car minus the $250 deductible. Going with a higher deductible lowers your premium, but increases what you owe out-of-pocket.
What could affect my rate?
Some examples of what can impact your rate are: your driving and violation history; your age, gender and marital status; the age and type of your car; where you live; how much coverage you buy; and your credit and prior insurance history.
How can I lower my insurance rate?
Here are some simple ways:
› Clean driving: Avoid accidents and traffic violations.
› Increase your deductible: The higher the deductible, the lower the premium.
› Check your discounts: Make sure you’re getting everything you qualify for.
› Pay your bills on time: Good credit history may help keep your insurance rate low.