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Demystifying Auto Insurance

Auto insurance can be difficult to understand. Here are some answers to frequently asked questions.

What Does Auto Insurance Cover?

Auto insurance typically covers liability (bodily injury and property damage), collision, comprehensive, and uninsured/underinsured motorist coverage. Liability insurance is mandatory in most states and covers damages you cause to others. Collision coverage protects your vehicle in accidents, while comprehensive coverage covers non-collision incidents like theft or natural disasters.

How Can I Lower Auto Insurance Premiums?

Several strategies can help lower auto insurance premiums, including maintaining a clean driving record, bundling policies, raising deductibles, and taking advantage of discounts. Installing safety features in your vehicle, completing defensive driving courses, and maintaining good credit can also contribute to lower premiums.

What Factors Affect Auto Insurance Premiums?

Auto insurance premiums are influenced by factors such as driving history, age, gender, vehicle type, coverage limits, and the deductible amount. Additionally, the location where you live, your credit score, and annual mileage can impact premium costs.

What Is a Deductible, and How Does It Work?

A deductible is the amount you must pay out of pocket before your insurance coverage kicks in. For example, if you have a $500 deductible and incur $1,000 in damages, you pay the first $500, and the insurance covers the remaining $500. Choosing a higher deductible can lower your premium but increases your out-of-pocket expenses in the event of a claim.
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At Kannel Insurance, we’re ready to help you with your insurance needs! Call us today at (419) 370-2177