AUTO INSURANCE COVERAGES
LIABILITY
This includes Bodily Injury as well as Property Damage. Compensates the Other driver in the event you are found to be at fault in an accident.
PHYSICAL DAMAGE
Collision- covers damage to you vehicle from collision with a car or other object. Comprehensive- Also known as "other-than-collision", Comprehensive covers damage resulting from things such as theft, vandalism, weather event, glass damage, and fire.
UNINSURED MOTORIST
Covers Your and your passenger's Injuries caused by a driver with minimal or no insurance.
Why does my older car cost more to insure?
Not all older cars are more expensive to insure; but if you've run into this scenario, here are some possible reasons why:
Q: My car is older but in great condition. Why is it more expensive to insure than a newer car?
A: There are a few factors that contribute to this. Older cars, even if well-maintained, might have:
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Higher Repair Costs: Parts for older vehicles can be harder to find and more expensive to replace, leading to potentially higher repair bills for the insurance company in the event of an accident.
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Lack of Safety Features: Newer cars often come loaded with advanced safety features like automatic emergency braking that can help prevent accidents. Older models might lack these features, making them statistically more likely to be involved in collisions, which translates to higher insurance premiums.
​Q: I can't find certain parts for my older car easily. Does that affect my insurance?
A: Yes, limited parts availability can be a concern. Scarce parts, especially for discontinued models, can lead to repair delays and potentially higher costs for the insurance company, impacting your premium.
Q: Are there any ways to save money on car insurance for my older car?
A: Absolutely! Here are some ways to potentially lower your premium:
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Shop around: Compare rates from different insurers to see who offers the best deal for your older car.
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Increase your deductible: Choosing a higher deductible lowers your monthly premium, but you'll be responsible for paying more out of pocket if you need to file a claim. (Make sure this aligns with your budget.)
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Maintain a clean driving record: A history of safe driving is one of the biggest factors influencing insurance costs.
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Consider usage-based insurance: Some insurers offer programs that track your driving habits and reward safe drivers with discounts. (Not all companies or drivers qualify)
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Remember: These are just some general points. Always discuss your specific situation and car with your insurance agent to find the best coverage options and potential discounts for your older vehicle.