Finding the right insurance for your needs can be difficult, especially considering most policies can be tailored and customized to the individual. Auto insurance is no different, and if you’re shopping around for new auto insurance, you may have a few questions. At Aion Insurance, we want all of our clients to feel as comfortable as possible, and we are more than happy to answer your questions. Continue reading below to find the answers to four of our most asked questions about auto insurance, and if you are interested in learning about our policies, reach out to our team in Colorado Springs today!
Does the Type of Car I Drive Matter?
The type of car you drive can affect your auto insurance rates in a few ways. The first way is through the price of the vehicle. If you have a more expensive car, it will likely cost more to insure because it would be more expensive to replace if it were totaled in an accident. Another way the type of car you drive can affect your rates is through the safety features of the vehicle. If your car has certain safety features, like airbags or vehicle detection, you may be eligible for a discount on your auto insurance rates.
What Happens if I Am Hit by an Uninsured Motorist?
Accidents happen, and if you are hit by an uninsured motorist, you may still be able to file a claim with your auto insurance company. Uninsured motorist coverage is an optional type of auto insurance that can provide you with protection if you are in an accident caused by someone who does not have auto insurance. If you have this type of coverage, your auto insurance company will pay for damages up to the limit stated in your policy.
How Much Liability Insurance Is Enough?
The amount of liability insurance you need depends on a few factors, including the value of your assets and the amount of coverage required by your state. If you have a lot of assets, you may want to consider getting a higher limit of liability insurance to protect yourself in the event that you are sued for damages after an accident. Most states have a minimum amount of auto insurance liability coverage that drivers must have, but you may want to consider getting more than the minimum to protect yourself financially.
How Does My Driving Record Affect My Coverage?
Your driving record is one of the factors auto insurance companies use to determine your rates. If you have a clean driving record, you will likely pay less for auto insurance than someone with multiple accidents or speeding tickets. Your driving record is not the only factor that auto insurance companies use to determine your rates, but it is one of the most important. If you want to know what other factors go into creating your rate, don’t hesitate to reach out to Aion Insurance!
If you have any questions about auto insurance or you would like a quote on how much your rates would be if you worked with us, reach out to our team at Aion Insurance today! We look forward to working with you.