What is Comprehensive Auto Insurance?

You know that as a driver, it is mandatory to have insurance for your vehicle. The insurance you are required to have is actually there to protect other people, ensuring that you will be able to pay for any property or physical damage you may cause while driving. What you might not realize is that the state required liability insurance does not help you out with many common threats to your own vehicle. So what do you need to keep your car protected from the non-collision perils that loom over the horizon? She Will Insurance offers comprehensive coverage to help safeguard your vehicle. Let’s take a look at how comprehensive auto insurance can protect your vehicle from those looming threats.
Harry ran out of his back door, dashing through the rainstorm to his pick-up truck. As he jumped into the cab, slamming the door behind him, he noticed his passenger side window was gone, and a tree limb shared his cab with him. Unfortunately, Harry only had the minimum coverage required by state law, which was liability insurance. He had to pay for the storm’s damage out of pocket, and his local body shop received a big chunk of Harry’s next paycheck.
Non-collision threats that are covered by comprehensive auto insurance include common occurrences such as theft, animal damage, fire, fallen objects, vandalism, and natural disasters. As you can see, these risks are highly likely and make up a high percentage of auto insurance claims.
If you want to make sure your vehicle and your pocketbook are protected from the daily dangers that face you, give She Will Insurance a call today. You will find friendly, informative agents ready to assist you, customizing the perfect policy for your needs.

Auto Insurance, What Affects Your Rates

It’s easy to figure out why it costs more to insure a hot rod than it costs to insure your family’s minivan. After all, most families don’t go racing around proving how cool they are, while the baby and toddler giggle in their carseats. And most hotrods don’t drive cautiously to school every morning to drop off the third grader. You can see why the common uses for the type of vehicles we choose affect our insurance rates.
There are plenty of other factors that you may have never imagined would make a difference. Here are a few ideas that just might help you to lower your own auto insurance rates.

The Car You Buy

Now, I’m not talking about hotrods vs. minivans here. The difference can be in the cost of the vehicle, how likely it is to be stolen, how much it costs to repair, and it’s safety record. You may want to check with your agent before you make the final decision when buying a car.

Multiple Types of Insurance

Often you can save money on your auto insurance if you buy two or more types of coverage from the same company. Ask your agent about multi-policy discounts.

Good Credit Scores

Did you know that research proves that drivers with good credit scores tend to have fewer claims? Often insurers use credit scores to price auto insurance policies. Paying your bills on time and keeping your credit balances as low as possible can make a difference on your rates!

Good Grades

If you face a new driver in the near future, remind them that their grades make a difference on how much their auto insurance will cost. High school and college students with high GPAs tend to pay about 10% less for insurance than people who do not have an A and B average.
Give She Will Insurance Agency a call today to find ways that you can lower your auto insurance rates.