Danielson Insurance

There are several different factors that will help determine the type of business car insurance policy you need. These include the types of assets you currently hold, the number of cars in your fleet, and the number of employees who will potentially be driving them.

If you will be financing a car, whether new or used, check with the lender to find out what its insurance requirements are. Failing to maintain the proper level of coverage could result in forfeiture of the loan and loss of the vehicle.

If an uninsured or underinsured motorist crashes into you, your wallet may take a hit as well because you're going to have to cover the cost of your repairs. However, things would be entirely different if you have uninsured motorist protection because the provider will step up and take care of your repair bills.

We can explain the factors that make umbrella coverage a good idea. The general idea behind umbrella coverage is to protect your personal assets by having sufficient insurance for any car accident situation.

Are you in the market for a new car and want to keep your insurance rates as low as possible? Check with the Insurance Institute for their annual rankings of safest cars for any given year and buy one on that list.

Do you ever worry that the high cost of the parts for your vehicle could cause a problem for the other party if you’re in an accident. If you have any concern that car repairs would exceed state liability requirements, it’s wise to purchase underinsured auto coverage.

Not sure about the reputation of a car insurance agency or provider? Check with the State Department of Insurance. You’ll get complete information about complaints or other problems or issues it may have.

Auto insurance companies may offer a discount depending on the payment plan an insurance buyer chooses (for example, paying all at once at the beginning of the year instead of in installments).

A good credit score can reduce your premium. However, if your credit score is low because of a divorce or job loss, you can ask to be exempted.

Car insurance can include extra coverage for needs like roadside assistance, rental reimbursement, and towing. Does your policy include any of these extras?

Do all drivers living in one household need to be covered by an insurance policy? Yes. While insurance policies typically cover drivers who have permission to drive the vehicle, any drivers living in the home need to be named on insurance policies if they will be driving your vehicle.

Instead of offering you a policy that covers all eventualities (damage, injury, theft, etc.) auto insurance providers let you choose what works best for you. For instance, you may choose to get collision protection while opting out of comprehensive coverage.

The mileage you put on your car in a year has an impact on your insurance premium. If you are no longer the road warrior you used to be, the reduction in annual mileage could help you lower your rates.

If you are a car owner with a lot of assets, then your auto insurance plan should take that into consideration. Your auto liability insurance coverage should protect your assets, especially if your car is new.

What is personal injury protection? This is the part in the auto insurance policy that will cover the expenses for injuries incurred by you and others involved in the accident. Sometimes, it can also cover other related expenses such the wages lost during your downtime.

State liability limits may not be enough to cover you if you are involved in an accident that was your fault and you are sued. Consider increasing the amount so that creditors do not go after your assets to satisfy a claim.

When is additional medical and/or personal-injury protection recommended for additional insurance coverage? For drivers who have limited health insurance policies that will not be able to cover medical costs associated with severe vehicular accidents.

Bundling your auto policy with another insurance option, like your home or renters’ insurance, can help save you money while protecting your assets.

Are you concerned that your existing car insurance may not provide the coverage you need now that your life situation has changed? Life events like getting married or having a baby are the perfect times to review your auto insurance coverage with your agent.

Do you ever worry that your personal auto insurance may not cover you if you get into an accident while you’re using the vehicle for work purposes? Let’s talk about whether your work usage is enough to justify purchasing a commercial auto policy.

If you lend your car to someone and he or she is in an accident while driving it, your insurance policy will cover it, just the same as if you were the driver.

As much as you try to avoid risk, there are times when you're going to have to park your vehicle somewhere sketchy. However, there should be no need to worry because if you have the proper insurance coverage, anything that happens to your vehicle will be shouldered by your provider.

Low-risk vehicles are those which your insurance company has deemed to be so based on safety and theft data, as well as the cost of the vehicle. Low-profile vehicles are those determined to be less likely stolen. If your car fits one or both of these categories, then your insurance rates will be lower.

If you use your pickup truck seasonally to plow snow, you should have a commercial policy that covers that particular aspect of vehicle use. It can be structured to cover damage to your truck as well as any that it may cause.

Automobile insurance that covers bodily liability protects parties in the event of an accident that results in injury. It covers all parties in an accident so that no one suffers devastating financial loss for medical treatment.

If you’re considering buying a new car, it’s smart to check with us first to see how much it will cost to insure. Knowing the total increase to your expenses that a new car will cost can help you ensure that you don’t accidently buy more car than you can afford.