With so many different insurance companies out there, it can be difficult and overwhelming to decide which one is right for you. It doesn’t have to be complicated, though. We’ll help you compare car insurance policies.
An independent agent like Keystone Insurance has already done the hard work establishing relationships with the most sought after companies such as Bear River Mutual Insurance which means that we can do all the work FOR you.
We’ll make finding the right insurance company and coverage smooth and simple. There are a couple of important things for you to consider when we’re comparing and quoting your insurance.
The first decision that you’ll want to make is what level of liability protection you’d like to have. Liability is the basic starting point when you purchase any car insurance and it determines how much the insurance company will pay on your behalf for damages other property, as well as bodily injury to other people.
If you (or someone driving your car) are involved in an accident, this is the maximum dollar amount that the insurance company will have to pay before they’re off the hook, and you’re on your own.
For this reason it’s important to look at your current financial position and ask yourself, “If I buy a policy with $15,000 property damage liability limit, but I run into a car that costs $30,000…am I prepared to pay the difference after my insurance has paid their share of only $15,000?”
We can help you look at the pricing difference for several coverage options, making your decision easy to weigh so that you can have the peace of mind knowing that you’re covered adequately.
Another important decision will be whether to carry Comprehensive and Collision insurance coverage on your vehicle. While Liability pays out to others, this coverage will actually pay to repair your vehicle.
Comprehensive and Collision insurance is almost always sold together, but let’s take a quick look at each one of these insurance options:
Collision is pretty straightforward…it will pay to repair your vehicle in the event of an impact that causes damage to your car. This could be an at-fault accident, or a not at-fault accident, especially if the person that hit you is uninsured or UNDERinsured.
If their insurance has run out of coverage, you can now lean on your own coverage to pay for your car even though it’s not your fault. It’s a nice option and is usually required if you have a loan on your car.
Comprehensive insurance coverage will pay for the damage to your car for the items that we normally think of as “not our fault” such as fire, theft, vandalism, flood & water damage, and hitting animals that dart in front of us. In Utah this most commonly happens with deer, but it can be any animal.
The last major decision is what deductible you’d like to have for the Comprehensive and Collision insurance coverage. This is what your out of pocket expense will be before the insurance coverage kicks in.
If you’d like a higher deductible it means that the insurance company won’t be paying for minor things, so they give you a price break. On the other hand, you don’t want the deductible higher than what you’re comfortably willing to fork out if you need to file a claim, so it’s good to look at the cost difference and see what appeals to you most.
As the influence of the internet grows, it’s easy to get wrapped up in the “Wham-Bam” approach of car insurance. You’ll never know anything different as long as you never have to file a claim, but you’ll thank yourself one day if you will allow an independent insurance agent get to know you and your needs. You’ll get the coverage that you really want to have if you ever need to file a claim.
Another huge bonus is that we can usually do all of this for less than the “Wham-Bam” companies because our market reach is so broad.
If you’ll take just a few minutes to fill out our brief contact form today, we can start comparing several options with car insurance companies like Bear River Mutual, Travelers, Hartford, Auto-Owners, Mutual of Enumclaw, Safeco, Progressive, and many more.
We look forward to helping you find the perfect fit!