People meetingWe know traffic accidents happen, from fender-benders to highway crashes. According to the Census Bureau, over 10 million accidents occur on U.S. streets each year. Being prepared is the key, so recovering from an accident doesn't devastate to your finances. We are aware of the concerns of drivers every day, answering questions like “How much car insurance do I need?” and “How do I choose my auto insurance deductible?”

When looking for insurance quotes, it's pertinent to look at coverage that makes sense for your family and your budget. A good independent agent should help you get fast quotes that are tailored to your lifestyle and needs. They can also give you answers to your questions about how much insurance is best for you, how to get discounts and how to keep your costs low.

Along with knowledge of the law requirements in your state, a good local agent understands the factors that add value to your car insurance policy. Local independent agencies partner with multiple carriers to find the best personal auto insurance coverage for you at affordable rates. Your agent will help you find car insurance tailored to your needs, not to a mathematical formula describing what the average driver should have. You get a range of choices from top insurance companies when you work with an independent agent, so you are not stuck with one insurance company and the solutions that company provides.

An independent agent will assess your needs based on factors such as the number of drivers in your family and their ages. That agent should also look at bundling multiple vehicles together, or combining your home and auto policies under one insurance company, so that you can get the best value for your dollar. Your agent should help you review several policy choices, coverage limits, deductibles and pricing and choose the best fit for you. As you consider your policy needs, it is also important to keep the coverage limits in mind. The costs of a severe crash can quickly exceed the limits. If that occurs, you will have to pay for costs out of your own pocket.

So discuss your risks and coverage options with a licensed insurance agent who can help minimize coverage gaps and prepare you for the unexpected. As an independent insurance agent, we will help you learn everything you need to know to make an informed decision about your car insurance. Contact us today!
Posted 12:59 PM

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