Commonly Asked Questions:
What is the difference between Collision and Comprehensive coverage?
Collision coverage in your auto insurance pays for repairs to your vehicle in an accident that you caused, while comprehensive coverage pays for repairs to your vehicle that is damaged due to a natural disaster, fire, theft and even animal crashes. Without these coverages you may end up paying a hefty penny out of pocket, so the risk versus the reward is worth considering.
Is auto insurance mandatory?
Yes, auto insurance is mandatory nationwide. State laws vary on the minimum amount of coverage required, but no matter what state you live in, it is always illegal to drive without car insurance. Insurance companies have precautions for these situations by offering uninsured motorist coverage, which helps pay for your injuries and car repairs if the other driver in the incident does not have insurance. Insurance companies also offer under-insured motorist coverage, which covers your injuries and repairs if the other drive at fault does not have enough liability limits (or overall coverage) to cover your bills after an incident.
Is there any way I can get an auto insurance discount?
Yes, of course! You can get discounts by being a good student, having a clean driving record, having a low credit score, and by simply asking your insurance agent. The Cross Pointe team is here to educate, advise and serve our clients. That being said, our goal is to provide you with the best service and take care of your insurance needs which involves helping to make sure you are safe and have the best coverage, while also helping to take care of your financial concerns by providing you the most cost efficient policies available.
If you have any other questions about auto insurance or any personal insurance, contact me today. At Cross Pointe, we are here to help Protect Your Tomorrow Today.