Auto policies can be confusing when you are looking at it. We at Ken’s Insurance Like to help you
understand. The first thing is that the Auto Policy won’t be giving you necessarily the blue book value,
but instead the actual value of the vehicle. Therefore after 5 years old you can start scaling back the
policy to lower limits in some areas because you want. Full coverage as some call it is for while you have
a note on the vehicle and for a little while afterwards. Your liability limits do not need to be state
minimums. The need to be at least 50/100/50. This mean $50,000 per person, $100,000 per accident
and $50,000 for property damage. This will keep you from being sued if you are in an accident with the
more common higher price vehicle or cause more property damage. This does raise the price higher.
Also, it is recommended to have medical payments. The higher this limit the better which caps out at
$5000. The full coverage is done with deductibles which gives coverage for fixing your car whereas the
other fixes the other persons stuff. You also cannot have rental reimbursement without full coverage.
Also, if you do not have uninsured motorist at the same level as your liabilities your insurance agent is
not on your side.
With Auto insurance we cover regular autos, not those that were designed for regular road use, this excludes chargers, and mustangs which are known to be racing style of cars. Also, we can insure antique cars if they are restored to factory standards. Self-modified cars we cannot insure. Also, a new thing has started to be advertised and that is getting auto insurance for 29.00 a month no matter your driving record or credit. The problem with these is that they are offering you very limited coverages, only the state minimum which does not provide adequate coverage and then you can be sued for not having adequate coverage.
Also bundling is great and an awesome way to save money especially where if you group it with like a homeowner’s policy, umbrella and life and roadside assistance you can save up to 25% overall. We can offer this great protection, and auto for your family’s auto, and provide the best protection all around for you and your family. We do have to cover all Licensed drivers on the policies to be compliant but if they are not then they cannot drive the vehicle, or it will not be covered when they are driving.