What You Need To Know About Auto Insurance

So you just bought the car of your dreams! Congratulations!

Before you hit the road, the first step is to protect your new purchase, and yourself, from dangers on the road. This is where auto insurance comes in.

You know that you need auto insurance but do you know how much you need? What “comprehensive coverage” means? If you are covered in a rental car?

Today, we want to answer some of your most common auto insurance questions.

1.     How much auto insurance do I need?

Most states require you to carry a minimum amount of Liability insurance and provide proof of insurance to register a vehicle or renew your license. To determine what additional coverage you may need, consider:

  • How and when you drive
  • What you drive
  • Who is in the car with you

To learn more about the coverage required in Pennsylvania, click here.

2.     How do insurance companies assess my risk?

Your risk is determined based on a number of factors that determine how likely you are to file a claim in the future. Some of these factors include driving history and location.

3.     What does “comprehensive coverage” mean?

Comprehensive coverage means that your car is protected from damage not caused by an accident. This includes damage from theft, vandalism, natural disaster, falling options, fire, hail, flood or animal damage.

 4.     If I rent a car, am I covered?

In most cases, Allstate provides coverage that extends to your rented vehicle. If you’re not sure what is covered in your policy, contact us today!

5.     Will my insurance premium increase if I file a claim?

Every policyholder’s situation is unique, so depending on your circumstances, your premium may be affected. If you are concerned, don’t hesitate to give us a call. Allstate also offers Accident Forgiveness, which may help prevent your rates from going up just because of an accident, even if it’s your fault.

Dean Honda now has an Allstate Agency onsite to provide customers with the auto coverage they need, at a price they can afford. If you are looking for auto, home, condo, renters, motorcycle, business, or life insurance, call us at 412-896-5711.

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