You need to make the right choices and go through all the key steps when you buy insurance coverage for your vehicle in Central Ohio. Our team of insurance experts at Insuran LLC can help you to find the coverage that you’re seeking.
Here are four things not to do when you buy auto insurance:
Putting inaccurate information on your application for auto insurance
Honesty is always the best policy when you purchase insurance from an auto insurance company.
You can count on your insurance company checking your driving record before they sell you an insurance policy. That’s why you shouldn’t try to hide any infractions on your driving record.
Failing to use the Internet when you’re doing auto insurance research
You can find policy quotes and info about auto insurance on the Internet.
There is plenty of information about auto insurance on the Internet, so you should definitely take advantage of online resources like comparison sites when you’re looking for an auto insurance policy.
Being uninformed about auto insurance types and options
Auto insurance coverage is a broader insurance category that is made up of various insurance types. These include liability, collision, and comprehensive coverage. There are a few other types of coverage in the auto insurance category as well.
Know what your insurance options are so that you’re confident that your policy includes the insurance you want and need.
Being unaware of deductible amount options
You get to choose from various deductible amount options when you buy auto insurance.
Buying a policy with a low deductible makes it less expensive to file a claim, but more expensive to pay your premium every month.
Contact Us Today
You can rely on us at Insuran LLC to help you get the auto insurance you need in Central Ohio. We’ll be happy to provide you with a policy quote!
If you’re looking for auto insurance, it’s important to know what is and isn’t covered in your policy. There are several exclusions that are common among auto insurance policies, and it’s important to be aware of them before you sign up.
Here are some of the most common exclusions in auto insurance policies
Auto insurance policies typically exclude coverage for mechanical breakdowns. This means that if your car breaks down and needs repairs, you’ll have to pay for them out of your own pocket. To avoid being caught off guard by this exclusion, it’s a good idea to create a savings fund that you can dip into in case of an emergency.
Wear and Tear
Another common exclusion in auto insurance policies is wear and tear. This refers to the gradual deterioration of your vehicle over time. Since this is something that happens to all cars eventually, most insurers will not cover it. If you want coverage for wear and tear, you may need to purchase a separate policy or rider.
Most auto insurance policies will exclude coverage for any modifications you make to your car. This includes things like aftermarket parts, custom paint jobs, and upgraded stereo systems. If you have modified your car in any way, be sure to check with your insurer to see if you are still covered.
Auto insurance policies will also exclude coverage for any racing activities. This includes both legal and illegal races. If you’re caught racing, your insurer may choose to cancel your policy altogether. You need to consult a professional insurance provider such as Insuran LLC in Central Ohio to see what can be done if you like to race.
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As you can see, there are quite a few exclusions in auto insurance policies. Some of them are more common than others, but all of them are important to be aware of. Insuran LLC in Central Ohio is here to help you make sure that you have the coverage you need and that you understand your policy. Give us a call today! We would be more than happy to answer any of your questions.
Not every vehicle requires the same auto insurance. You have choices when you choose your auto insurance. The state mandates one type of auto insurance and your lender or lessor may require two others. At Insuran LLC in Central Ohio, we personalize your auto insurance for you and your vehicle. We make sure you have the coverage you need from one of the carriers that we have available.
Types of auto insurance coverage
Liability is the auto insurance that is required by the state of Ohio. The amount that is mandated by the state is 25/50/25. This protects other drivers from you. If you are responsible for the accident, you will have to pay for bodily injury and property damage. The basic is not enough for anyone who has more than a very basic amount of assets. The recommendation is 100/300/100.
If you cause an accident, your vehicle may also be damaged. As a matter of fact, it may be a total loss. If you have a car loan, you need this coverage; and even if you don’t have a car loan, if your vehicle is relatively new, it is worthwhile to carry this insurance if you count on your vehicle.
Comprehensive is also required if you have a car loan. It is non-collision damage, usually referred to as damage that is beyond your control. After all, you can’t control the weather. Hail can damage your paint, and heavy winds can send three branches crashing into your vehicle. If your car is stolen or vandalized, this is the insurance that covers it. It also includes glass coverage if you get a stone on your windshield.
Contact Insuran LLC in Central Ohio to get the personalized service that only an independent insurance agent can give.