Factors to Consider Before An Auto Insurance Purchase in Lawton
Factors to Consider Before An Auto Insurance Purchase in Lawton
Purchasing auto insurance can be confusing and frustrating to some people. Auto insurance coveragehas two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others and some coverage is required by most states.
The second part covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.
Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.
There are a number of factors you should consider when purchasing any product or service, and insurance is no different.
Here is a checklist of things you should consider when purchasing auto insurance.
First, purchase the amount of liability coverage which makes sense for you.
Second, you should decide which optional coverages you want. For example, do you want the optional physical damage coverages in Part D or is the market value of your car too low to warrant purchasing them.
Finally, once you have decided what you want in your automobile insurance policy, you can now decide who you would like to purchase the insurance from. For example, you may decide you like the idea of purchasing insurance from a mutual company rather than a stock company.
The McBride Agency has been helping clients get the best value for their autoinsurance needs for over 17 years. As agents for Travelers, Hartford, Safeco and Progressive to name just a few, our job is to find the right company for you. We specialize in auto, home, business, health and life insurance. Our staff has over 50 years of combined experience in the insurance industry. Our goal is to provide you with the best customer service possible.
We are Independent Agents, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. McBride Agency represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.