What’s the difference between collision and comprehensive coverage on Auto Insurance?

Collision Insurance Coverage: Losses you incur when your car collides into another car or object. For example, if you hit a car in a parking lot, the damages to your car will be paid under your collision coverage. Comprehensive Insurance Coverage:  provides coverage for mostly other direct physical damage losses you could incur, including theft. For example, damage to your car from a hailstorm will be covered under your comprehensive coverage.

What can change the cost of my car insurance?

A number of factors can affect the cost of your car insurance – some of which you can control and some that are beyond your control. Some of these factors include: the type of car and value of the vehicle you drive, how many miles you drive annually (business, pleasure or commuting), your driving record (very important), prior claims history and where the car is garaged.  There are discounts available for those who own multiple vehicles and insure them on the same policy, package your auto and home insurance for a discount and more. Ask your Greene Insurance Group agent for additional information.

What questions should I expect to answer when applying for Car Insurance?

When you apply for Car Insurance, you will be asked a number of questions. For example, Greene Insurance Group might ask your name, age, marital status, residence address, driver information, vehicle information, and review your present car insurance policy coverage. You will also be asked a series of other questions such as if you have had prior claims or losses, about the drivers in the household and their driving history, vehicle information etc. Greene Insurance Group offers a variety of programs for different customers. Adults with good driving records will generally pay less for car insurance, than young drivers with traffic tickets. In order to determine which program you qualify for, Greene Insurance Group will need basic information about you. In addition to your age, gender and driving experience, information about the car you drive, and your driving record, is also needed to determine a fair price. For example, a large luxury car costs more to repair or replace than a compact car. Also, someone in Scottsdale who commutes 30 miles each way is more likely to be in an accident, than someone who commutes via bus and only drives on weekends.

I have an older car, do I really need to purchase car insurance?

Most states have insurance laws that require drivers to have at least some car liability insurance. These laws were enacted to ensure that victims of car accidents receive compensation, when their losses are caused by the actions of a negligent individual. Often times the cost of repairing the damages to an older car is greater than its value. In these cases, your insurer will usually just “total” the car and give you a check for the car’s market value less than the deductible. Many people with older cars decide not to purchase any physical damage coverage.

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