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Friday, November 15, 2019

Alexander City Car Insurance Quote and a Comprehensive Directory of Local agents

Alexander City Car Insurance Quote and a Comprehensive Directory of Local agents

Local Agents
#We are not affiliated with any of the agents listed below
0.96 miles distant
Alfa Insurance
1977 Cherokee Rd, Alexander City, AL 35010
(256) 329-0544
3.30 miles distant
Bree Walton
3775 Hillabee Rd, Alexander City, AL 35010
(256) 234-0037
0.04 miles distant
D Scott Gordon
153 Alabama St, Alexander City, AL 35010
(256) 409-2299
Farmers, Foremost
1.68 miles distant
Dana Chua
839 Airport Dr Ste 105, Alexander City, AL 35010
(256) 215-3833
Foremost, MetLife Auto & Home, Nationwide
0.33 miles distant
Dark Insurance Agency
410 Hillabee St, Alexander City, AL 35010
(256) 234-5026
Auto-Owners, Chubb, Cincinnati, Consumers, Donegal, Foremost, State Auto, The Hartford, Travelers
1.33 miles distant
Daughtry Insurance Agency
1107 Cherokee Rd, Alexander City, AL 35010
(256) 234-7781
Agents: Don Vinson, Seth McCaleb, Stephanie Pemberton
0.21 miles distant
First Insurance
346 Madison St, Alexander City, AL 35010
(256) 329-0888
Auto-Owners, Infinity, Safeco, The Hartford, Travelers
unknown distance
Harold Cochran
Po Box 40, Alexander City, AL 35011
(256) 234-2700
Farmers, Foremost
unknown distance
Karen Channell
Po Box 397, Alexander City, AL 35011
(256) 234-3481
State Farm
0.05 miles distant
The Philips Agency
284 Tallapoosa St, Alexander City, AL 35010
(256) 329-8406

Alexander City Car Insurance, What Is Auto Insurance?

It is a part of our everyday life but, until it comes time to pay the bill each month, we rarely give it a thought. Car Insurance, however, is an essential part of our everyday lives. It is a complicated and potentially dangerous world to drive in--without insurance, that potential for danger is greatly intensified. For instance, if you are in an accident in your car but do not have insurance, you are up the proverbial creek without the proverbial paddle.
But what is car insurance? Well, according to Allstate Insurance (one of the leading providers of insurance in the world), car insurance is a way to “protect the people and things that are important to you.” Allstate also breaks down what insurance does for you:

 Safeguard your investment in your automobile

 Pay for medical expenses in case of an accident

 Provide financial protection from lawsuits

 Cover losses caused by uninsured or underinsured drivers

 Pay for damage due to theft, vandalism or natural disasters
When looking into what coverage to buy, consider your specific needs and research the different kinds of coverage and their meanings:

Liability Coverage: Protects you from damages to others if you are at fault.

Medical Payments Coverage: if bodily injury occurs, this can provide you with reasonable medical assistance.

Underinsured/Uninsured Motorists Coverage: protects you from damage caused by drivers who don’t have auto insurance or don’t carry enough auto insurance to pay for damages.

Personal Injury Protection: provides coverage for an insured person for certain reasonable and necessary expenses

Collision Coverage: helps pay to repair or replace your insured car. Comprehensive Coverage: helps pay for covered damages to your insured car resulting from a peril other than a collision: theft, flood, fire, or any other problem.

Once you decide on what coverage you need, you can purchase insurance; please, do not think you don’t need it--it is a foolish way of thinking. Even if you have never had an accident, that does not mean that everyone else on the road shares your clean record. You need to protect yourself and others. Research the insurance and then get some!

Tips to buy auto insurance

Buying Auto Insurance can be a difficult thing; many people don’t understand it until something happens that forces them to rediscover their policies. We believe that you deserve to know some important tips of the trade that can help you with your insurance.

1. Before you even buy car insurance, have an insurance specialty conduct a risk analysis on your automobile, property, and family. Some may think of this as an unnecessary precaution but it isn’t. Things that we cannot always foresee happen; a specialist could see them and help you avoid them.

2. When shopping for insurance, do not use an agent. Why? Because agents only represent one company; you should be able to shop around and see all there is to offer. Find an Independent Insurance Broker and let them help you.  Brokers offer policies from multiple companies and give you the chance to find the best for you.

3. Sometimes, if an accident occurs or if there is damage to your car, you may not get offered the fairest options.     This is called Depreciation. To explain: if your car were to steal, you would, of course, make a claim on it;     however, you cannot expect to receive a full value reimbursement. After all, your insurance company would argue,     you have to consider external factors: age, condition, the fact that you put over 100,000 miles on the car. They won’t pay full price for something that is far from new. And, it’s understandable; however, to keep yourself from losing too much money, keep the original bill of sale. On that bill, have all the information you can to help your company come to a fair decision.

4. One of the greatest problems with insurance is how to keep the cost down. To do this, contact your broker and discuss how your vehicle is rated at present and how the company classes are determined. Your past rate may be higher than your present and you would be paying excess money for something you didn’t need.

These are just a few suggestions to help you understand auto insurance; for more, you should contact your broker or agent and discuss what options you have available to you.

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