You?ve worked hard to buy a nice car. You understand the importance of protecting your investment. So you purchased an auto insurance policy. But do you really know what you bought? What exactly does your policy cover? And are you getting the most bang for your buck?
While all auto insurance policies are different, basic policies consist of the same core coverages, including:
- Collision Coverage: This covers damage to your car resulting from a collision.
- Comprehensive Coverage: This covers you for loss due to theft or damage caused by something other than an accident.
- Bodily Injury Liability Coverage: This covers you in the event that you are found at fault in an accident that resulted in another person being injured.
- Personal Injury Protection (PIP) Coverage: This covers you and your passengers in the event of an accident resulting in injuries, covering medical payments, lost wages, funeral costs, and the cost of replacing services normally performed by someone injured in an auto accident
- Property Damage Liability Coverage: This covers any damage you may have caused to someone else?s property.
- Uninsured or Underinsured Motorist Coverage: This covers you if you are hit by an uninsured driver, an underinsured driver, or are the victim of a hit-and-run.
Tips for Reducing your Auto Insurance Rates
- Higher Deductibles: A higher deductible means a lower premium.
- Reducing Coverage on Older Cars: Not all coverages are required. Dropping optional coverages ? such as collision or comprehensive ? on older cars is a great way to save money.
- Bundling: Many insurance providers will offer discounts if you buy multiple insurance coverages from them, such as homeowners insurance, life insurance, auto insurance, etc.
- Driver Education Courses: Many insurance providers will offer discounts for drivers who take defensive driving classes.
- Don?t be afraid to ask Questions: Certain insurance providers have their own discounts. Don?t be afraid to ask your insurance agent for ways to reduce your premiums.
If you have any further questions about?Auto?Insurance?in Hanover, Pennsylvania, please contact the insurance experts at Barrick & Associates, Inc. to learn more. Call 1-800-548-9810 or?click here?today!
Whether you?re looking for business insurance or auto, home, life, or health insurance in Hanover, PA, our qualified and knowledgeable staff will help you find the right policy to best suit your needs. And we do much more than just help you purchase a policy. We also assist in submitting claims and customizing programs for your business. We specialize in providing customized insurance protection for Automobile Dealers, Auto Service Centers, Auto Body Shops, Contractors, Farms and Restaurants, as well as Personal insurance policies. And with all of our insurance services, Barrick and Associates offers a ?Money Back Guarantee.?
We are the leading provider of insurance in Hanover, Pennsylvania.
Check us out on?Facebook?and?Twitter?as well!
Sources
What is covered by a basic auto policy?
Tags: Barrick and Associates, bodily injury liability, Car Insurance, Car insurance Hanover, Coverage, driver education courses, high deductibles, motorist coverages, personal injury protection, property damage liability
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