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Top Insurance FAQs
Do all companies offer the same coverage?
Yes and No. While you'll find the same types of coverage from one company to another, there can be big differences in services and pricing. Shopping around and getting several quotes can help you find the coverage, and company, that's best for you.
How much coverage do I really need?
This is different for everyone. After the minimum required by your state and bank, the amount of coverage needed is based on:
1. Your Car
2. Your Driving Habits
3. Your Net Worth
What's the difference between collision and comprehensive coverage?
Collision covers your vehicle when it's damaged on impact with an object such as another vehicle, tree, building or other item.
Comprehensive protects your car against many other things that could go wrong like vandalism, theft, fire or broken glass.
Can I change my coverage after I choose it?
Yes. Most insurance carriers are flexible and allow you to change your coverage as needed.
I just bought a motorcycle; can I roll that into my auto insurance?
It depends. Some companies offer both and have discounts if you insure all your vehicles with them. Others don't offer motorcycle insurance. Simply contact the company directly to find out.
What's better: a high deductible or a low deductible?
This answer really depends on what's better for you. If you're budget can handle paying potentially high unexpected repair costs out of pocket, then consider a high deductible plan. If you're concerned about unexpected expenses, a lower deductible plan might be right for you.
Remember: lower deductible plans generally have higher premiums while higher deductible plans have lover premiums.
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