As auto owners, our may can change throughout the year. A periodic review of your policies helps reassess your needs and probably quicker than you think. In a single visit or conversation, your agent will make sure you are comfortable with your current limits, that you are knowledgeable about your coverage and that limits are meeting your needs.
Below are some ideas on things you might discuss:
Above are great conversation starters with your agent. Changes in your household situation help our team better determine how to protect your needs, today.
Next, you'll find some coverage options you might consider. Depending on your carrier and account history, all or some of these options may be available to best protect your family.
You may have options here. Your policy may already include free chip repair. Most carriers offer options for reduced comprehensive deductibles and some may include full auto glass insurance coverage.
Good driver? Low Mileage? Telematics are the best way for you to earn safe-driving rewards. These carrier specific, smart phone apps monitor mileage and driving habits to offer personalized driving feedback and potential savings.
If your new car gets totaled in an accident, your carrier may have options to help replace it with a brand new vehicle instead of paying depreciated value. Or some options also provide coverage for loan or lease gap protection.
What happens when one hailstorm affects both our home and our vehicles? Some carriers offer a one loss deductible just for these events to help minimize your out of pocket cost for covered losses.
These benefit options may help prevent insurance rates from increasing as a result of a minor violation or a driver's first at-fault accident. Some carriers offer these options in your auto insurance package or as added benefits for good drivers.
In the unfortunate event your car does break down, a professional will come to wherever you are to help fix the problem or tow your vehicle to a repair shop. Some carrier benefits include premier benefits like trip interruption coverage.
The amount of liability coverage you carry should be high enough to protect your assets in the event of an accident. If you injure someone with your car, you could be sued for a lot of money. While our minimum recommendation is at least $100,000 per person and $300,000 per accident, that may not be enough coverage. The greater the value of your assets, the more you could stand to lose which is why it is recommended to buy liability insurance appropriate to your asset value.
Quality coverage makes a difference. At Equity Insurance Group, we can help care for things that matter to you.