Published in Clifton Park Neighbors Magazine – Summer, 2020
By Don Ferlazzo, Agent/Agency Owner
When people call into our agency for an auto insurance quote, many are intimidated at first. They often know little about how auto insurance works, and it’s easy to get caught up in the complicated coverages packed into a policy.
So, to simplify things, we like to break down an auto policy into four parts:
1. Your Liability Protection
Your liability protection in an auto policy is extremely important because it provides coverage if you cause an accident. Whether you hurt somebody else, damage their property, or both, your policy pays for what you did, but only up to your liability limits. If those limits are too low, they won’t cover everything, and you’ll be stuck paying off expensive lawsuits for injuries and damage you cause yourself. To prevent this, we work with our clients to ensure they have the right amount of liability protection built into their policies.
2. Your Family’s Protection
Equally as important as your liability protection is your family’s protection. This provides coverage for yourself, your family and any other passengers in your car if anyone is injured. After all, injuries resulting from a car accident are rarely covered by your medical insurance, and even when they are you may have a high deductible that must be reached before your medical benefits kick in. That’s why we recommend our clients get the maximum amount of coverage available in the categories that pay for your injuries in all situations.
3. Your Car’s Protection
Your car’s protection is dependent on whether you want your car fixed by your insurance company if it’s damaged during an accident. If desired, you must include Collision and Comprehensive coverages on your car. Depending on the value of your car, these coverages can be pricey but opting for a higher deductible will keep your premium lower.
4. Your Optional Benefits
Finally, there are your optional benefits. These include optional coverages like roadside assistance, rental reimbursement (if you need a rental car while yours is in the shop after an accident), Accident Forgiveness (if you want to guarantee your rates won’t go up after an at-fault accident), and Deductible Rewards (if you like to see your collision deductible decrease each year you are accident-free). Every insurance company offers different optional benefits, but these are all very popular here at Allstate.
Obviously, we understand that price is important when it comes to auto insurance, as well. That’s why our team gets to know you and your family, ensuring that you get all eligible discounts available to you to keep your premium as low as possible while still giving you the protection you need and the benefits you want. Give us a call today at 518-978-4044 if you’d like us to show you how easy it is to get the right protection for your family at the right price with Foursurance.