What is the Difference Between Full Coverage and Liability Auto Insurance?

There are two types of auto insurance. You should know the difference as a consumer and you should understand why it is important to have auto insurance. Auto insurance can protect you or your property, namely your vehicle, and help pay for hospital bills and other liabilities due to driving. Coverage depends on your policy, but an agent can help you to determine the best policy to go with. You can contact an agent at General Insurance Agency in Clovis, NM to secure either liability or full coverage automobile insurance. 

What is Liability Insurance?

Liability auto insurance is the basic minimum type of auto insurance that you can get. It will cover medical and property damages from a car accident in which you are at fault. You are responsible to pay for any damages that your liability auto insurance coverage does not cover. Liability coverage is usually required to have by law. Your own vehicle is not covered by your liability policy. It only covers the damage to others. That is why it is called liability: because it only covers your liability to others. There are different levels of coverage. Talk with a Clovis, NM agent at General Insurance Agency to learn more. 

What is Full Coverage Insurance?
Full coverage auto insurance is coverage that provides both liability coverage as well as other coverage for your own vehicle. That includes collision and comprehensive coverage. The insurance costs more but it will cover the damage to your own vehicle as long as the deductible is paid. Comprehensive coverage means that other damages like those due to weather, vandalism or grand theft auto. Towing fees, car rental fees, and higher medical coverage can also be selected with a full coverage policy. 

Do All Auto Insurance Policies Include Glass Coverage?

When you are in the market to purchase a new auto insurance policy or make changes to yours, you may find yourself wondering about glass coverage. You may wonder if all policies include glass coverage or if they all cover your auto glass in the event of an accident or if a rock comes flying through your windshield. At General Insurance Agency, serving the Clovis, NM area, we want to provide you with the information you need to make a decision about auto insurance. Here is what you need to know about auto insurance and glass coverage. 

Do All Auto Insurance Policies Cover Glass?

All auto insurance policies will cover auto glass that is damaged in an event that is covered by your car insurance. For example, if you have collision coverage, your auto glass is covered if your glass breaks in a car accident. If you have comprehensive coverage, your auto glass is covered if a vandal breaks the auto glass. 

What Is the Difference Between a Regular Policy and Separate Auto Glass Coverage?

Some insurance has separate auto glass coverage policies. These policies typically have much lower deductibles than your regular auto insurance policy. They may also cover against smaller imperfections in the glass, such as cracks or chips. 

When you are ready to purchase new auto insurance in the Clovis, NM insurance, be sure to get a price quote from General Insurance Agency. We are committed to helping you find the best auto insurance for your needs at a price that fits within your budget. Call us today to get started on your quote. 

How to Lower Your Auto Insurance Rates

Everyone wants to pay less for their auto insurance in Clovis, NM, that’s just a fact of life. But understanding how an insurance company thinks is always going to be a better way to lower your rates than it is to choose the most cut-throat rates. See how you can organically lower your rates without having to use a fly-by-night insurance company who may or may not be around when you really need them.

Better Driving 

This is really the best possible way that a driver can lower their rates, but it goes beyond just staying away from drugs and alcohol before getting behind the wheel. General Insurance Agency knows that a clean driving record means slowing down and paying more attention to the road. When you call an insurance company, they’re also looking at your habits as much as they’re looking at your driving record. Statistically speaking, you’re more likely to get into trouble if you’re constantly driving late at night in high-crime areas than you are on Sunday mornings when everyone’s on their way to church. So you may see higher rates depending on how much you drive and where. (Lying about these habits may result in a denial of a claim.)

Additional Factors 

Having good credit or buying your car in cash may be able to lower your insurance rates tremendously, as can taking more precautions when it comes to theft. So if you have an expensive alarm system or advanced tracking gear, then you may enjoy lower rates. To learn more about how to get better insurance rates, give General Insurance Agency a call. We’re here to help the residents of Clovis, NM gets rates they can live with, so they can continue to enjoy the freedom that a car can bring. 

Buying a New Car? What Kind of Insurance Do You Need?

Considering the cost of new cars today, it only makes sense to get adequate insurance coverage to protect your new investment. You may not be able to prevent an accident from happening, but you can be prepared for any eventuality. The right car insurance coverage from General Insurance Agency in Clovis, NM will ensure your new vehicle has the protection it needs. As the proud owner of a brand new vehicle, here are a few coverage options you should consider: 

New Vehicle Replacement Coverage

Even if you’re a careful driver, there’s no guarantee you will never have an accident. A major accident could result in totaling your new vehicle. New vehicle replacement coverage helps cover the cost of replacing your totaled vehicle with a similar make and model, despite depreciation costs. Depending on the cost of the vehicle you just bought, this coverage could save you time and money in getting a replacement vehicle for the one you lost. New vehicle replacement coverage goes beyond what collision and comprehensive coverage have to offer in protecting you from financial loss.

GAP Coverage

New vehicles depreciate quickly, starting immediately from the time they’re driven off the lot. If you’ve taken out a loan to purchase a new vehicle, you may want to consider GAP insurance coverage to protect your assets in the event of an accident that results in the total loss of your new car.

GAP insurance will cover the difference between your vehicle’s cash value (after depreciation) and the amount of your loan. This gives you the cash you need to pay off your car loan so you’re not left with a huge debt to cover out of pocket.   

Learn more about new car insurance options and costs by contacting General Insurance Agency, Clovis, NM. 

 

Is Your Insurance Company Responsible If You Don’t Respond to Your Auto Recall Notice?

Ultimately you are responsible for your vehicle. Your car insurance is there as an extension and answer to your financial responsibility.

Don’t Tuck That Recall Notice In the Junk Pile

Whether your car insurance rates are affected by the introduction of an auto recall notice depends on a lot of factors. In general, your insurance is not adversely affected if you get the notice and you address the concern expeditiously.

If you ignore the notice and you get into an accident which involves the recalled item, your car’s safety rating just took a plummet, and it is a good chance your insurance rates will go up.

If you get into an accident before the recall, but the accident is due to a manufacturer defect that was on the brink of recall, your insurance company will work with the manufacturer to resolve the liability. Your car’s manufacturer is at fault when there is a recall issue. It is not the fault of your insurance company or you for that matter.

Recalls may affect the value of your car and the viability of recall. Inform your insurer of your adherence to recall notices.   

The manufacturer is responsible for producing a quality vehicle without defect. As a driver your sole responsibility is to respond to the notice and do your best to ensure your safety, the safety of your passengers and the safety of other drivers on the road.    

Call General Insurance Agency today at 575-763-8816 to learn more about your responsibility as a driver and how to best protect your liability. Serving the St Clovis, NM area and the surrounding areas, we can respond diligently to your insurance needs and render an appropriate and comprehensive auto insurance product. 

How Does the Type of Car Affect Insurance Premiums

The car insurance that you have on your vehicle is both a necessity and a legal requirement that many people must carry. As such, your policy should be tailored to your specific car and your specific insurance needs. If you are living in the Clovis, NM area, the General Insurance Agency can help you create a custom policy that is going to work for your needs.

The type of car that you own and are insuring makes a huge difference in the overall price and amount of coverage that you need. One great example are older cars, these older cars, while they are not worth as much, they have fewer safety features making it necessary to take out more insurance on them.

Likewise, newer cars that are worth more might cost less to cover than you would think because of the safety features that have been added by manufacturers to help keep driver and occupants safe. You should always talk with your agent or with your insurance agency about any specifics of your vehicle that might change the coverage that you need to be both safe and legal.

Cars that are new and that have loans out on them are going to cost more to insure than a car that has been paid off. Also, those cars that are a specialty, expensive, or exotic brand cars are also going to need more insurance than other cars. Generally, your agent will work with you to determine the specifics of your car to find out just how much coverage you need so that you can be sure you are safe each and every time you set out to go to work or just take a drive.

If you are living in or around the Clovis, NM area, the agents with General Insurance Agency can help you find the perfect policy.