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How to pay for your auto insurance policy?
The policy normally is valid for 6 months, and renews every six months, although some policies are annual. You can change auto insurance at any time and get a pro-rated refund if due.
Most carriers will give you multiple payment options –
Monthly auto debit from your bank account.
Pay by mail/check (includes a service fee)
Quarterly or bi-monthly payments.
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 Long Beach, CA and surrounding areas, get in touch with us.
What affects the price of auto insurance?
Insured Driver and Additional drivers profile
Age
Driving history
Credit profile
Insured Automobile
Type and age of vehicle
Cost of vehicle
Safety options on the vehicle (type of brakes, body construction, crash test data etc)
Estimated miles expected to be driven
Other
Deductible Amount – the lower out of pocket deductible, the higher the insurance premium.
Amount of coverage limits – higher the coverage limits, the higher the premium.
Additional and supporting insurance policies – examples of policies that support an auto policy
Personal Umbrella
Health Insurance
Accident Insurance
Our auto insurance experts are helping individuals and families in the Long Beach, CA and surrounding areas, on a daily basis. Give us a call.
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Auto Insurance coverages explained
Bodily-injury liability insurance is mandatory in all states. The exceptions or workarounds are -
New Hampshire (personal responsibility requirement by owner/driver)
Virginia (uninsured motorist fee)
Mississippi (motorists can post bonds)
So, at the very minimum all drivers must have bodily-injury liability insurance or some form of protection for damages to the drivers of the vehicles involved, their passengers and even pedestrians.
Our auto insurance experts have helped many folks in the Chester, SC and surrounding areas. Get in touch, we can help you too.
What affects the price of auto insurance?
Insured Driver and Additional drivers profile
Age
Driving history
Credit profile
Insured Automobile
Type and age of vehicle
Cost of vehicle
Safety options on the vehicle (type of brakes, body construction, crash test data etc)
Estimated miles expected to be driven
Other
Deductible Amount – the lower out of pocket deductible, the higher the insurance premium.
Amount of coverage limits – higher the coverage limits, the higher the premium.
Additional and supporting insurance policies – examples of policies that support an auto policy
Personal Umbrella
Health Insurance
Accident Insurance
Our auto insurance experts are helping individuals and families in the Chester, SC and surrounding areas, on a daily basis. Give us a call.
Why use a local insurance agent for your insurance?
We have found that every client is unique and requires a certain level of customization, education and forward planning to set up the client for the best-case situation as it relates to risk management. And insurance policies are essentially that – risk management.
A local insurance agent knows the particular laws, rules and regulations that pertain to that geographic location. Most agencies know very little about far away regions even in the same state – local environments vary. For our part we are far more knowledgeable about insuring clients and insurance policy regulations in a 100 mile radius of the Chester, SC area than let’s say 200 miles away.
You can meet our local insurance agents face to face if needed, and work through any particular problems you need help with.
An insurance agent/broker can help you with the correct paperwork, explain the coverages that suit you best and help with the claim process.