Auto Insurance
Today, a motor vehicle accident occurs every second. Auto accidents cause an injury every 14 seconds. And every 13 minutes a car accident results in a fatality. More than 31 million accidents occur annually at a cost of more than $100 billion. Theft and vandalism are other major perils—a vehicle is stolen every 20 seconds.
With more than 150 million drivers and registered vehicles on the road, auto insurance is the most widely purchased of all property-casualty insurance, yet few drivers are familiar with the details of their particular policy.
To properly protect yourself, it is imperative that you maintain the proper level of coverage for your particular situation. If you have any doubts about the appropriate level of automobile coverage that’s right for you, we will be happy to help pinpoint the coverages best suited to your needs.
Required Automotive Coverage
- Bodily Injury to Others
- Personal Injury Protection
- Bodily Injury Caused by Uninsured Auto
- Damage to Someone Else’s Property
Optional Coverage
- Optional Bodily Injury to Others
- Medical Payments
- Collision
- Comprehensive
- Substitute Transportation
- Towing and Labor
- Bodily Injury Caused by an Underinsured Auto
At Finn & Stone, we want to make it easier for you to understand your insurance needs and the many options available to you. Learn more about auto insurance, including the different types of policies, how carriers determine rates, what is covered and more in this very helpful resource: The Consumer’s Guide to Auto Insurance.
How to reduce your automobile insurance rates
There are several things you can do to lower the cost of your automobile insurance. One way is to look for competitive pricing. We work with many companies and can provide you comparative ratesand insure that your are getting the same coverage.
Another way to lower the cost is to change your deductible. By raising your deductible you may lower the cost of your automobile insurance almost 10% You must be able to pay the deductible amount in case of a claim. You can also look for discounts that you may be entitled to. Some examples of discounts that may be available are: multiple cars under the same policy, carrying a homeowners policy with the same insurance company, different groups or associations.