Auto Insurance in Salem, NH

Is it easy to switch auto insurance carriers or insurance agents?

In short, yes. But, there is a procedure to follow for best results. If your previous carrier is reputable you will get a pro-rated refund fairly quickly. An insurance agent can help you with this process. You want to make sure you have coverage in place with the new carrier before you cancel your policy with the old carrier. This is important as you do not want to be uninsured for even a few hours.
When switching agents but keeping the same carrier, a Broker-of-record (BOR) letter may need to be completed by your new agent (signed by you)
When switching carriers but keeping the same agent – this could be quite simple if the agent has a partnership with the new carrier. If not, your agent can advise you of the procedure, which may involve switching to another agent (which may require some additional paperwork)

What auto insurance coverages follow the driver and what coverages follow the vehicle?

You will need to double check with your agent and/or insurance carrier who will help you understand your policy and its exclusions, but, in general –

Liability insurance follows the driver to any eligible vehicle driven by the insured.
Comprehensive and Collision insurance however are related to the vehicle and follow the covered vehicle. But, many conditions apply, the most common of which is that the ‘loaned’ vehicle must have been driven with explicit permission from the person loaning (the primary insured) the vehicle.
Exceptions apply, get in touch and we will help you understand your policy exceptions and coverages.

To learn more from our experts in the Salem, NH and surrounding areas, get in touch with us.

What about additional drivers and additional vehicles?

Some policies (especially comprehensive auto insurance policies) have protection for family members (household members) that drive your vehicles. But, this is not common.
Adding additional vehicles is quite simple and will definitely affect your overall premium.
Adding additional drivers, while also a simple task, could dramatically affect your policy based on the history of the additional driver.
Contact us today and we will help you get this going.

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