Having auto insurance on your vehicles isn’t just a good idea, it is the law in Richmond Hills, Queens, Maspeth, Woodhaven, Arverne, Forest Hills, and the surrounding areas. While you could pick up just any auto insurance, it is best to understand just what you are paying for and what the insurance will cover. That’s where our team at Hughes Associates can help. As an independent insurance agency, we will shop the market for you to find the best coverage at affordable prices that fit your needs. Give us a call today to put us to work for you.
Knowing the Parts of Auto Insurance
Do you understand all of the different parts of your auto insurance? It is important to understand the different aspects of your auto insurance so that you understand what it will cover and what the limits are for the coverages. For example, liability insurance covers two aspects: bodily injury and property damage. Bodily injury helps to pay for costs related to another person’s injuries if you cause an accident. Property damage helps to pay for damage to another person’s property while driving.
Uninsured and underinsured motorist coverage is another aspect of your auto insurance. Surprisingly, there are people who choose to drive without insurance, or who have limited coverages that don’t cover your own expenses. In these cases, your uninsured/underinsured motorist coverages provide the gap coverage you need.
Comprehensive coverage offers protection for issues unrelated to driving, such as weather events, vandalism, or other scenarios where your vehicle is damaged. This will help to repair or replace your vehicle, minus your deductible amount. While this is usually an optional coverage if you have a loan on your vehicle or are leasing it the lender may require this coverage.
There are other coverages that can also be part of your full auto insurance policy, and it is good to speak with a qualified agent from Hughes Associates to be sure you understand them all.
Know What Goes Into Your Premiums
The amount you pay for auto insurance has a number of factors as well. Your age will make a difference in the premiums that you pay, as both younger and older drivers will pay more for the same coverage. Your driving record could also have an impact on how much you pay; a driver with a few more issues on their driving record will likely have increased premiums. What you drive will also impact what you pay, as will the number of claims that you have made on your insurance policy.
Drivers all over Richmond Hills, Queens, Maspeth, Woodhaven, Arverne, Forest Hills, and the surrounding areas need to have auto insurance, so don’t wait to call Hughes Associates. Get your auto insurance policy in force today.