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PERSONAL INSURANCE:
AUTO INSURANCE F.A.Q.
Do I really need auto insurance?
Who is covered under my auto policy?
What coverage options are available?
What factors may affect my auto insurance rates?
How can I reduce my rates?
What factors change my rates?
If I’m in an accident, can I get a rental car?
How do I know what kind of coverage I need?
Do
I really need auto insurance?
Auto insurance is designed to protect you financially.
If you are responsible for injuries, you may be held liable for the injured
person’s vehicle repairs, medical expenses, therapy and loss of
wages. Some insurance policies even protect you if the responsible person
has inadequate or no insurance.
All states require you to be financially responsible when driving a car.
Depending on your state, you may be legally required to have auto insurance.
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Who is covered under my auto policy?
It depends on your policy. Often, your spouse, children or others with
permission to drive your vehicle are covered. Be sure to ask your J.L.
Hubbard agent what your policy covers.
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What coverage options are available?
Most states require that you carry a minimum amount of liability coverage.
Liability insurance pays for damages if you become legally liable due
to resulting body or property damage. Beyond the requirements, you have
many choices, ranging from different types of coverage, the amount of
coverage and deductibles. To get a more comprehensive look at the types
that are right for you, contact J.L. Hubbard today.
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What factors may affect my auto insurance
rates?
• Your driving record
• Where you keep and drive your car
• The make, model and year of your vehicle
• Your age and /or gender
• Youthful operators
• How you use your vehicle. Are you a traveling salesperson or someone
who drives just once in a while?
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How can I reduce my rates?
• Choose a less expensive vehicle.
• Increase your deductible.
• Drive safely.
• Meet the requirements for one of the many discounts: multiple
auto, multiple line, good student, etc.
• Let your J.L. Hubbard agent discover the best prices and discounts
for you.
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What factors can change my rates?
Your insurance cost can increase or decrease depending on changing family
dynamics and your level of risks. Your rates can change because of differences
in:
• Marital status
• Number of people in your family
• Change in use of vehicle
• Driving records
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If I'm in an accident, can I get a
rental car?
Yes, if it is included in your policy. To learn more about the different
types of policies, just ask!
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How do I know what kind of coverage
I need?
We help you determine your level of coverage by considering:
• The value of your vehicle
• The value of assets you must protect
• The amount of money you can afford to pay out of pocket
• Your level of risk
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Didn't find what you needed? Don't worry. Simply ask
us and we'll give you an answer in no time!
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