You’ve got to have it—now what?
Because auto insurance is mandatory – and because it is advertised by talking lizards, comedians and actors — it may seem like it is merely a commodity. If so, what difference does it make where you buy it?
There is a Difference
The dangers of simply shopping for the lowest price are very real. While most insurance products are similar in price and overall function, insurance providers are very different when it comes to structuring a policy that actually covers you. This is where a local agent, carefully looking out for your needs is essential.
(For example: making sure you have maximum medical coverage in case you hurt someone else; or making sure you’re not overpaying for duplicate medical coverage you already have; or whether you want access to a rental car while your car is in the shop.)
Because we know you, and know your needs, we can help you find the right policy to give you the needed protection at the best for the best value. We carefully choose the companies we work with to make certain they offer excellent coverage and outstanding customer service at a fair price.
Think About Insurance Before You Need It
Unfortunately, many people don’t think about their auto insurance before they have an accident. And, particularly if the policy was bought through a price-comparison series of calls, you may find that the coverage was not adequate. This is why a local agent like Graham can make such a big difference. We have the knowledge and experience to read the policy, compare it to others with the same levels of protection and make a recommendation that gives you the coverage you need at the best possible price.
We make sure you are getting the best possible coverage at the most reasonable cost. That means you won’t have to pay out of pocket for repairs or expenses, but it also means making sure your assets and income are protected in case you’re at fault and there’s a lawsuit.
That means, we’ll show you all of your protection options, recommend the right limits and make sure you receive every discount you’re entitled to (such as cars with daytime running lights; better yet, bundling other types of insurance with the same carrier).
What Auto Insurance Covers—and What’s Optional
Insurance protects you and your assets in case of loss, injury, or damage — whether caused by you, or by someone else. Auto insurance usually consists of the following protections:
In case you are found at fault, insurance helps protect you from damages awarded in legal actions.
In the event of your car is damaged by a collision, insurance helps defray the cost of repairs or replacement.
If your car is damaged by anything other than collision. But additional protection may include:
- MEDICAL PAYMENTS if you have to pay on an injury for yourself or a passenger
- EMERGENCY ROAD SERVICE if you are ever stranded in your vehicle
- UNINSURED MOTORIST PROTECTION—because even though the law says auto insurance is mandatory, that doesn’t mean that everyone will have it.