Lindsay Auto Insurance
Automobile accidents are very common. In fact, millions of accidents occur on roadways each year, from minor fender benders to major highway pileups. The cost of your legal defense for an accident that is found to be your fault can send you into financial hardship quickly.
In August 2015, one driver was critically injured in a three-car pileup that had four lanes blocked on a major roadway. The same day in another area, a car hit a utility pole and cut off power to the entire area. Another car hit a different utility pole in a different location on the same day. It took emergency crews almost an hour to remove the man from his vehicle before he was transported to a local hospital with serious injuries.
All of these incidents took place in a single day. Therefore, it is vital when you get behind the wheel to be prepared with the right insurance coverage. Without proper insurance, the cost to recover following an accident could be enough to send you into bankruptcy.
Car Insurance Coverage Basics
When considering your insurance needs, it is important to understand the types of coverage that are available. There is a wide variety of coverage options available to include in your insurance policy, such as:
- Collision - covers costs to repair damage to your vehicle resulting from an accident with another vehicle or object, such as a building, fence, mailbox or tree.
- Comprehensive - covers costs to repair damages to your vehicle that are not included in collision coverage, such as fire, theft and vandalism.
- Accident benefits - provides medical coverage and other benefits, such as income replacement if you are injured in an auto accident.
- Liability - provides coverage and protection when you are responsible for causing bodily injury or property damage.
There also a number of additional coverage options that you may want to include in your automobile insurance policy, such as replacement transportation and accident forgiveness. Take the time to discuss your specific risk exposures and coverage needs with your broker to determine which coverage options are best for you. The cost of an automobile accident can add up quickly, so it is important to make certain that you are properly covered in order to avoid paying out of pocket.
Auto Insurance for Young Drivers
Finding the best automobile insurance for young drivers is not about finding the cheapest policy, but instead about finding the most complete coverage. For young drivers, the cost of car insurance can vary depending on several factors, such as:
- the type of vehicle they drive
- their previous driving record
- where they live
- the amount of desired coverage
While the cost of insurance premiums is generally higher for younger drivers with less experience, it is possible to obtain affordable coverage. It all begins with the right vehicle. When you are young, consider a vehicle with safety features like airbags, traction control, anti-lock brakes and automatic seatbelts. A car with these options will be much more affordable to insure than a sports car or other high performance automobile.
Auto Insurance for Mature Drivers
When you have been driving for longer, you are less dangerous on the road and not as high of a risk for an insurance provider to consider. Thus, your insurance rates will be lower.
From the time you reach 25 until you turn 65, the cost of your automobile insurance premium is going to decrease gradually. That is as long as you continue to maintain a satisfactory driving record.
Just like with a younger driver, your insurance premium will depend on a few factors, including:
- type of vehicle
- area of residence
- the number of miles driven
At Stewart Morrison Insurance of Lindsay, we are auto specialists and we know that there is much more to an insurance policy than price. We emphasize value based coverage with professional advice on key areas, such as optional accident benefits, to ensure you are properly protected in the event of a claim.
Our brokers are here to assist you by addressing all of your car insurance questions and concerns. We can help you determine the amount of coverage that is right for you and help you choose a manageable deductible.
Your chances of being involved in an automobile accident the very next time you get behind the wheel are great. Therefore, you cannot afford to wait one more minute without knowing that you have the right insurance coverage. The peace of mind that you are well protected will drastically reduce the level of stress that you feel when you are out on the road.
Complete the form now for a no obligation quote. Find out how we can provide you with both the right coverage and cost options to meet your insurance needs.