Tag: "Auto Carrier"
How often should I shop my auto insurance?
This is a question that usually comes up in casual insurance conversations amongst friends and family. Regularly there are those who have had their existing auto insurance with the same carrier for decades and then there are those who shop their auto insurance every year at renewal.
Those who keep their auto insurance carrier for decades usually do so for a number of different reasons. These reasons range from they have developed a personal relationship with the agent or agency to they just never have bothered to shop their auto insurance. However, this group for whatever reason more often than not are missing out on considerable savings by not more regularly entertaining auto insurance quotes.
The other group that shops their auto insurance on an annual basis often do so because they have typically found that their are possible savings and they don’t mind taking the time to do so. This group are usually consumer savvy shoppers and want to know that they are getting the best deal.
There is however another group in the middle that will typically shop their auto insurance every two to three years who are looking for savings and a good value however don’t believe it is necessary every year. This is probably the best approach as there is always the balance between time and money. So if shopping annually for auto insurance is not in your time budget then do make it a point to do it every two to three years.
With the internet so accessible and all the auto insurance carriers competing for your business why not shop today…
Will my insurance cover me if I was drunk and got into a car wreck?
Typically an insurance policy doesn’t distinguish the condition of a driver at the time of an accident. Whatever auto insurance carrier is on the auto at the time of loss would be responsible for all coverages in place at the time of loss as they would apply. Of course this may vary from carrier to carrier but is best determined by carefully reading the policy. However, once a driver has a DUI on their driving record it will significantly affect their ability to obtain auto insurance at a reasonable price if attainable at all. It is always best to know the specific policy exclusions and then to reshop auto quotes.
