What factors can affect 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.

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.

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

Collision is defined as 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 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.