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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)
How to get discounts and/or reduce your auto insurance bill
At Insurance Network Inc, our agents are always trying to help our clients get more value and better deals on their auto insurance and frankly, any insurance policies they write through us.
Some key methods to reducing your insurance bills are –
Bundle insurance policies.
Good driver discounts
Improve your credit score.
Get a car that has a higher safety rating
Don’t make insurance claims unless you absolutely have to.
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 Pelham, AL and surrounding areas, get in touch with us.
Auto Insurance is a necessary product, in that it protects you from excessive costs and hassle if your car is in an accident, and is an important and a vital factor involved in keeping your car running on the road. It is meant to protect you against catastrophic losses, such as a major accident or the theft of your car.
Auto Insurance or Car Insurance will cover you against several types of accidents. Coverage types include but are not limited to liability, damage to the auto, medical payments, and uninsured motorists coverage.
At Insurance Network we want you to know we cover the following as well:
Motorcycle Insurance
Antique Car Insurance
Recreational Vehicles Insurance
If you do not see a product listed above which you might need, we urge you to contact our office.
Our professional agents are well versed in Alabama regulations regarding Auto Insurance, we are here to help guide you through the arduous task of selecting the coverage that best fits your needs.
IS YOUR VEHICLE ADEQUATELY INSURED?
The Family Protection Endorsement is a recommended coverage to be purchased along with your Liability coverage.
LIABILITY:
Provides coverage for you or other insured persons if someone else is killed or injured or their property is damaged in an Automobile incident. It will pay for legitimate claims against you or other insured persons up to the limit of your coverage, and the cost of settling claims.
ACCIDENT BENEFITS:
Provides benefits that you and other insured persons are entitled to receive if injured or killed in automobile accident. Payments cover income benefits (with some exceptions), medical expenses (supplemental), rehabilitation and care expenses, compensation for other expenses, funeral death benefits (up to defined limits).
FAMILY PROTECTION ENDORSEMENT:
This endorsement is optional but highly recommended. This endorsement will cover you and your immediate family if you are involved in an Automobile related accident in which the other party is at fault and they are uninsured or underinsured. Your policy will respond up to your Liability limit for bodily injuries.
You may also purchase additional insurance for Loss or Damage to your automobile:
LOSS OR DAMAGE:
Provides a selection of optional coverage's for your own automobile. Payments cover direct and accidental loss of, damage to, a described Automobile and its equipment. There is usually a deductible amount indicated for each coverage and this amount is either paid by you toward the cost of repairs or is deducted from the loss settlement. There are four types of coverage's:
SPECIFIED PERILS:
Covers the described automobile against loss or damage caused by certain specific perils. They are fire; theft or attempted theft; lightning, windstorm, hail or rising water; earthquake; explosion; riot or civil disturbance; falling or forced landing aircraft or parts of aircraft; or the stranding, sinking, burning, derailment or collision of any kind of transport in, or upon which, the described automobile is being transported.
COMPREHENSIVE:
Covers a described automobile against loss or damage other than those covered by Collision or Upset, including perils listed under Specified Perils, falling or flying objects, missiles and vandalism.
COLLISION OR UPSET:
Covers damage when a described automobile is involved in a collision with another object or tips over.
ALL PERILS:
Combines the Collision or Upset and Comprehensive coverage's.
MISC. ENDORSEMENTS:
There is also an endorsement available which offers you a replacement vehicle while your vehicle is in the shop for repairs due to an accident. There are a number of other endorsements that are available such as Limited Glass coverage. Your policy can now be customized for yourself by your agent.
Your policy may not contain all of the above coverage's. It is suggested that you review your policy and confirm that you and your vehicle are adequately insured.
Please visit our Website for more information on Auto Insurance