Things to Avoid When Buying Any Auto Insurance

Mastering the combination of affordability and an insurance that will guarantee comprehensive coverage for your automobile takes time. Secondly, you also need vast knowledge that can only be gained though research and experience. Situated in Mishawaka, IN, Kevin Dennis Insurance Agency will help you bridge that costly knowledge gap. To know these rookie mistakes to avoid and get a good policy, read on.

The Common Mistakes
Know what risks you want to be insured. By the time you set foot at Mishawaka, IN, Kevin Dennis Insurance Agency, you should know what suits your needs. The insurance you seek should cover the risks you want catered for. Some auto policies service loss of a car because of natural calamities while others cater for theft or vandalism. Know the policy’s scope.

Secondly, making judgements guided by assumptions and falsehood on the extent to which your auto insurance will service an injury or loss can be detrimental. There are policies that will comprehensively cater for your injuries, passengers and third party while others do not. Be inquisitive and do not simply fall for the misleading grammar in their brochures.

Laxity and failure to do prior research. Doing research on the available offers across agencies is essential to having the most fulfilling deal. For, starters, the obsession with cheap monthly deductibles instead of the standard bi-annual ones impair many from getting the right protection. There are agencies that are affordable based on their rates. However, this can be costly in case of an emergency because most of these policies fail to fully indemnify you in case of a loss.

Lying on your application, to once again get cheap deductibles, and failing to maximize your discount potential are common errors. In your application, be honest lest you risk losing your policy if you insurer finds out you lied. Secondly, you can ask your agency on the discounting offered to get the best out of your auto policy.

 

The Danger of DUIs: How Alcohol Related Driving Offenses Can Severely Impact Your Car Insurance

Being convicted of a DUI or other alcohol related offense can not only bring criminals issues, but it can also cause significant problems with your car insurance. At Kevin Dennis Insurance Agency in Mishawaka, IN, they know how these offenses can cause higher rates and even problems with obtaining coverage. If you are convicted of an alcohol-related offense:

Your Insurance Company Will Consider You a High-Risk Driver

If you are found guilty in a drunk driving related accident, your are regarded as a high-risk driver for five to ten years. If you have your license suspended due to your conviction, you will be required to produce an SR-22 form proving that you have been insured as a high-risk driver to obtain reinstatement. Once labeled a risk, your insurance may be impacted in multiple ways including:

  • Higher Premiums –  Your premiums are primarily determined by your driving risk which is assessed by your previous driving record.  A drunk driving charge will result in a significant increase in premiums as the company will feel you are more likely to be involved in an at-fault accident.
  • Fewer Choices – High-risk drivers may find they have fewer options when it comes to choosing an insurance company. Depending on the rest of your driving record, companies may refuse to insure you.

Your Insurance Could Drop You

While paying higher premiums can make owning a car cost prohibitive it is better than the alternative. If you are convicted of drunk driving, your insurance company may choose to no longer insure you. The state of Indiana requires minimum liability coverages to allow you to retain a license in the state, so being dropped from your insurance company can result in being unable to drive legally in the state. Once you have been dropped by insurance, it may make finding a new one difficult as well.

If you have been charged with an alcohol-related offense or want more information on what it means to be a high-risk driver, contact the knowledgeable agents at Kevin Dennis Insurance Agency in Mishawaka, IN today.

What to Know About Auto Insurance Limits in Mishawaka

State limits exist in practically every state for auto insurance. What this means for you is that there is a cap on how much insurance will pay for damages. Regardless of the type of insurance, you have though, it’s your responsibility by law to pay for the damages from an accident. When it comes to Indiana, Kevin Dennis Insurance Agency wants you to have the facts in hand before you decide to get the bare minimum. 

Bodily Injury and Property Damage in Mishawaka, IN

If you’ve injured people in an accident, the limits for Indiana are $25,000 for each person, with a $50,000 cap for the entire accident if multiple people were injured. If there was property damage involved, the limits are $10,000. While this may seem like a lot of money, the bills that add up after accidents can quickly end up exceeding these limits. When people are injured especially, they may have lingering problems that mean a lifetime of treatment. For example, if the person you hit develops chronic back pain, you may be paying more than you bargained for which may eventually land you in major debt.

A Better Way 

Instead of leaving your financial future to chance, talk to the expert staff at Kevin Dennis Insurance Agency. Instead of scaring you, it’s our job to put your coverage into perspective. Should you choose to leave your policy as is, you should at least understand the risks of your decisions. Too many people call their insurance agency assuming that their policy will help, and that’s the wrong time to find out about it. If you live in Mishawaka, IN, give us a call to find out more about what you can do to be a more responsible driver. 

 

Road Rage: Don’t Let the Rage Take Over

When it comes to traveling, there are several tips you will need to follow to help ensure you keep yourself and any passengers as safe as possible. It’s also imperative that you follow these tips to keep other people safe who are traveling the same routes as you. In a split second, though, you know how easy it is to become enraged with a bit of road rage. And when this happens, it can be difficult to make rational choices. Still yet, here are a few tips you can follow to keep your rage at a minimum.

Know when to say you’re sorry

Hey, there is absolutely nothing wrong with making mistakes, as long as you learn from them. And even more important is that you own up to your mistakes. When traveling, you will need to own up to your mistakes that you make while driving. Whether it be accidentally pulling out in front of someone or running a STOP sign, knowing when to say you’re sorry and owning up to your mistakes is key to keeping rage at a minimum, both for yourself and other drivers.

Listen to music that you like

Do your passenger like music that you don’t? If so, this is fine, but make sure to let the person know you want to listen to music you enjoy while driving. By listening to music that you have a preference for, this will help minimize any anger or rage, which can go a long way in diffusing a situation that could otherwise turn out violent or lead to an accident.

Contact Kevin Dennis Insurance Agency Inc. today to learn more about avoiding road rage and staying safe on the road.