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We represent numerous companies so you won’t get stuck paying higher rates with a competitor.
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Understanding Auto Insurance
Behind every member, every call, and every interaction is an individual with a unique need. We recognize this and respond with real understanding every time. We want to be your companion — in any way we can. We can help you understand the different parts of Medicare, the costs, enrollment period, and more.
What is Auto Insurance?
Medicare is a federally managed health insurance program providing coverage for people 65 and older and those with qualifying disabilities.
How much does Auto Insurance cost?
Medicare can cover a lot of health expenses! How much you pay depends on what kind of coverage you choose.
When should you enroll?
You should enroll in Medicare when you first become eligible: when you turn 65, when you retire, or due to a disability.
Auto Insurance Advantage that goes the extra mile
Working at 65
and beyond
Are you or your spouse working at 65? There are a few things you should know.
Ten ways
to walk more
each day
Walking is one of the best ways to meet your exercise goals. It doesn’t require any special equipment, and nearly everyone can do it.
Know your
heart health
Heart tests can help you and your doctor better understand your risk for heart disease. Here are three tests you should know about.
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What is car insurance?
Auto insurance is a crucial safeguard against financial setbacks in the event of an accident. This arrangement is essentially a contract between you and your chosen insurance provider. You commit to paying regular premiums, while the insurance company agrees to cover the losses specified in your policy. Auto insurance encompasses property, liability, and medical coverage, offering comprehensive protection.
- Property coverage handles the expenses associated with damage to or theft of your vehicle.
- Liability coverage takes care of your legal obligations to others, covering bodily injury or property damage.
- Medical coverage handles the costs of injury treatment, rehabilitation, and, in some cases, lost wages and funeral expenses.
An auto insurance policy typically consists of six distinct types of coverage. Many states mandate the purchase of some, but not all, of these coverage types. Additionally, if you’re financing your vehicle, your lender may impose specific requirements. Auto insurance policies typically span either six months or a year. Your insurance provider will typically notify you via mail when it’s time to renew your policy and make your premium payment.
Why do you need auto insurance?
Indeed, at its core, auto insurance is primarily about safeguarding your financial well-being.
Vehicle Repair or Replacement: In the unfortunate event of an accident or theft, repairing or replacing your vehicle can be a substantial financial burden. Auto insurance helps cover these costs, reducing the impact on your wallet.
Medical Expenses: Accidents can lead to costly medical bills, not just for you but also for any passengers involved. Having insurance ensures that you have financial support to handle these expenses.
Liability Protection: If you or your vehicle causes damage or injury to others, you could be held legally responsible. Without insurance, you might face lawsuits that could potentially exceed your assets. Auto insurance provides liability coverage, offering financial protection in such situations.
Legal Requirements: In many states, having at least a minimum level of auto insurance coverage is mandatory by law. Failure to comply with these requirements can result in fines, license suspension, or other legal consequences.
Questions to ask your agent
Your independent insurance agent plays a crucial role in helping you find auto insurance tailored to your specific needs. Here are some important considerations to keep in mind as you prepare for a discussion with your agent:
Financial Preparedness: Determine how much you can comfortably afford to pay in the event of an accident. To potentially lower your premiums, you might opt for a higher deductible, which means you’ll be responsible for more of the repair costs out of pocket. Balancing your budget with your desired level of coverage is key.
Insurance Company Reputation: Investigate the insurance company’s reputation for service and their ability to process and pay claims promptly. Reviews and ratings from other policyholders can provide valuable insights.
Discount Opportunities: Inquire about available discounts. Many insurers offer discounts for good drivers, bundling multiple policies (e.g., auto and home insurance), and students with good grades. Identifying and taking advantage of these discounts can help reduce your premiums.
Claims Process: Understand the procedure for filing and settling a claim. Ask your agent about who to contact in the event of an accident or damage, and what to expect after you file a claim. A clear understanding of the claims process can make it smoother and less stressful during a difficult time.
You may also call 8643962681 to speak to an agent. Requesting a quote is not a guarantee of coverage. All coverages are subject to the terms, conditions, and exclusions of the actual policy issues. Not all policies or coverages are available in every state.
“The staff is welcoming and attentive, making you feel like more than just a number.”
Local Agent. National Support.
Correll Insurance Group offers the best of both worlds—you get to use a local, independent agent who lives in your town and knows you personally, but this agent is backed by a strong, national firm that has served the Southeast for nearly 90 years. So you don’t have to choose between having a personal relationship with your agent and knowing they have access to world renowned markets. You’ll get both with Correll.
