It is vital to have auto insurance on your vehicles to protect you if you are involved in an accident. You never know when bad weather conditions will cause you to slide off the road, when an inexperienced driver may scratch your car, or when your car may be broken into and incur considerable damage. While we all hope these situations will never happen to us, but we believe it is best to be on the side of caution and purchase the appropriate protection for your vehicle, and your wallet.
Since you may rarely need to take advantage of the benefits of your policy, it is essential to shop around to find the best price that also meets state and personal requirements. Each state requires vehicles to have certain types of insurance coverage, with minimum dollar amounts to ensure that all drivers have the basics covered. You may choose to have additional coverages or purchase a policy with higher limits, but that is where we come in. We make sure that you understand every aspect of your policy, and understand the variety of options available to you. We want to protect your family just as much as you want them protected.
To get started searching for a new, and better, auto insurance policy, contact our team today. Our knowledgeable agents at Keslar Insurance Agency are always ready to answer your questions and assist you in finding the perfect policy that meets your needs.
Auto Insurance – Frequently Asked Questions
- What does auto insurance cover?
Auto insurance typically includes liability coverage (for injuries and property damage you cause to others), as well as coverages like collision, comprehensive, medical payments, and uninsured motorist protection. - What’s the difference between collision and comprehensive coverage?
Collision pays for damage to your vehicle from an accident with another car or object. Comprehensive covers non-collision damage, like theft, vandalism, fire, hail, or hitting an animal. - Do I need full coverage if my car is paid off?
“Full coverage” usually means liability, collision, and comprehensive coverage. Each state has different auto requirements. For instance, currently, NH does not require auto insurance, but your lien holder may. While there could be possible adjustments to your policy as your car ages, keeping some of these protections can help you avoid large out-of-pocket expenses if your vehicle is damaged or stolen. - What is uninsured/underinsured motorist coverage?
This protects you if you’re hit by a driver with no insurance or not enough insurance to cover your damages. It may also apply to hit-and-run accidents. - How much auto liability coverage should I carry?
Most states have minimum limits, but those are often not enough to fully protect you. Many experts recommend at least 100/300/100 ($100,000 per person/$300,000 per accident for bodily injury, and $100,000 for property damage), or more, depending on your assets. - What is gap insurance, and do I need it?
Gap insurance pays the difference between what you owe on your loan and what your car is worth if it’s totaled. It’s essential if you owe more than your vehicle’s current value. - Does my auto insurance cover rental cars?
Often, yes—if you carry full coverage on your personal vehicle, it may extend to a rental car. However, there may be important exclusions, so it’s best to check with your agent before declining the rental company’s insurance. - Can other people drive my car and be covered?
Yes, in most cases. Auto insurance generally follows the car, not the driver. Anyone with your permission to drive your vehicle is likely covered, but limits and exclusions may apply. - How are auto insurance premiums determined?
Rates are based on a significant number of factors like your driving history, vehicle type, location, mileage, credit score (in some states), and chosen coverage limits and deductibles. - How can I lower my auto insurance premium?
Bundle policies (like auto + home), maintain a clean driving record, raise your deductible, take a defensive driving course, or enroll in usage-based programs that reward safe driving—and talking to us about all your options with your carrier, as well as other carriers!
