How Deductibles Affect Auto Insurance Premiums
Learn how your auto insurance deductible affects your premiums and coverage. Discover how choosing the right deductible can help balance your monthly costs with the amount you’d pay if a claim occurs.
Auto Insurance is a contract between an individual (the policyholder) and an insurance company. It provides financial protection and coverage in case of accidents, damage, theft, or other events related to the insured vehicle. The primary purpose of auto insurance is to help the policyholder mitigate the financial consequences that can arise from unexpected situations involving their vehicle.
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Don’t Drink and Drive
Driving while under the influence is not only dangerous for the impaired driver; passengers, other motorists and pedestrians are put at serious risk, too. That’s why it’s important to avoid getting behind the wheel after drinking too much. One drink can change your night — one decision can change a life. Choose wisely. Don’t drink and drive. Read more about guidance on preventing drinking and driving.
Terrific Thanksgiving and Holiday Travel Tips
Holiday travel is one of the busiest times of the year, and a little preparation can make all the difference. From planning your route and preparing your vehicle to staying alert, flying smart, and protecting your home, these simple tips can help you enjoy a safer, smoother trip this Thanksgiving and holiday season.
On the Road Alone: Essential Safety Tips for Long Solo Drives
Heading out on a long drive alone can be empowering, but it also calls for a little extra preparation. From planning safe rest stops to staying aware of your surroundings, these essential tips will help you feel confident and secure on every mile of your solo journey.
Road Safety and Wildlife: What Drivers Need to Know
Every year, countless accidents occur because drivers aren’t prepared for unexpected encounters with animals on the road. Whether it’s a deer darting across a rural highway or a stray dog wandering into city traffic, these moments can be dangerous for both humans and animals. Staying alert and understanding how to respond in these situations can make a critical difference in preventing harm and keeping roads safer for everyone.
The Benefits of Raising Your Limits
An overwhelming majority of states require individuals to carry insurance in order to operate a vehicle. While meeting these minimum limits may be enough to get you on the road, they may be inadequate if you are involved in a serious accident. For better protection, you may want to consider raising your limits to secure proper protection.
Safe Driving Saves Money on Your Automobile Insurance
For better or worse, your automobile insurance premium is a direct result of your driving record. While you can’t always prevent every accident or control what happens on the road, safe driving is one of the most powerful tools you have to protect both yourself and your finances. Keep reading to learn how maintain a safe driving record can lower your premium, and—as a result—protect your wallet.
Buying a Car? Don’t Forget the Insurance Quote First!
Shopping for a new car can be exciting, but it’s crucial to check in with your agent before finalizing your purchase. Not all vehicles are created equal when it comes to insurance costs. Two cars might look similar on the outside, but one could cost you hundreds more per year to insure.
Risks of Lowering Auto Coverage
Many drivers look to reduce their auto insurance premiums by lowering coverage or dropping parts of their policy altogether. While it’s true that cutting back can save a few dollars in the short term, the long-term consequences of being underinsured can be financially devastating—especially in the aftermath of a serious accident. Learn about ways you can save without exposing yourself to major financial risk.
The Good Student Discount
Teens and young adults often face hefty auto insurance premiums because, statistically, new drivers are more likely to get into car accidents. However, most carriers offer a way to help offset some of this financial burden—a good student discount. Learn more about how to qualify.
