Cheap Car Insurance Isn’t Always the Best Option

Cheap Car Insurance Isn’t Always the Best Option

A lot of times when people are looking at auto insurance quotes they tend to gravitate to the ones that are the least expensive, so they save money, but choosing cheap car insurance isn’t always the best idea. This is because a more affordable policy may not include everything you need. Trueway Insurance in Lake Worth has a team of insurance professionals that can help you understand why getting the cheapest insurance shouldn’t be your number one concern.

 

The Truth About Cheap Car Insurance

When you’re shopping around and evaluating different auto insurance quotes, you may be inclined to go with the lowest rate, but most of the time your local insurance agents sell car insurance for a regional or even a national company, which means their rates are all going to be pretty much the same. This also means that going with the lowest quote that you get electronically without speaking to a representative may not actually be the lowest price you could get. 

 

What truly makes a difference in pricing comes from an individual agent’s knowledge and experience. Having a real conversation with an actual person can make a world of difference. They are able to get to know your situation a little better and have information about possible discounts that aren’t public knowledge, which means when you’re getting a quote online, these discounts aren’t applied to the price you are shown. In addition, speaking with a person face to face opens up the possibility of having recommendations made to you about the type of coverage you should be getting. Another added bonus of working and speaking with a local agent is that they are a part of your community and they understand your wants and needs. It’s not just about the cheapest insurance; it’s about finding the right rates based on your driving history as well as your budget. Dealing with a company that only offers a toll-free number means your experience isn’t going to be personalized even if they are offering the lowest price. Also, the chance that you will speak to the same person every time you call is extremely unlikely. This means that every time you call to ask a question, you’ll have to provide all of your information over and over again. When you’re picking an insurance agent, it is critical for you to ask yourself a few questions. The first, is who will you count on if you have a question, experience an accident, or need to file a claim? Sure, you can call an 800 number, but speaking with a different person every time you call doesn’t make things easy. Also, when you’re dealing with a stressful situation, it will make a significant difference to speak with someone you know and trust. Will the larger agencies provide the service you want and need? Sure, they may be able to offer the lowest quote, but that doesn’t mean that the coverage they provide is going to be tailored to your individual needs.  

 

Contact Us For Auto Insurance Quotes

Trueway is a leading auto insurance provider in the Lake Worth area. We are here to help our customers understand how to find cheap car insurance as well as the measures they can take to ensure their cars are protected. If you’re tired of shopping around for home insurance quotes, call or visit us today for more information.

Can Comprehensive Car Insurance Help When You Borrow Someone Else’s Car?

Can Comprehensive Car Insurance Help When You Borrow Someone Else’s Car?

Let’s say you are out of a car for the week because yours is in the shop. However, you still need to make it work. What do you do? Luckily, your close friend is gracious enough to lend you their vehicle. You now have a car to borrow the whole week. However, one thing is left to ponder. Are you covered by car insurance? Here at Trueway Insurance, our team is experts on comprehensive car insurance. We specialize in affordable insurance for Palm Springs. 

 

It Follows The Car

If you are driving your friend’s vehicle, and your friend has valid insurance for that vehicle, then you should be covered. That’s because car insurance typically follows the car – not the driver.

 

In other words, when you lend your car to a friend, you’re not just lending your vehicle to that friend; you’re also lending your car insurance. Your car insurance policy extends to cover your friend. If your friend gets into an accident while driving your vehicle, then your car insurance would be the primary liability. Your car insurance would cover the costs of the accident.

 

Will Your Comprehensive Car Insurance Cover Another Car?

There are certain situations where your own car insurance policy will come into effect when driving a friend’s vehicle.

 

Let’s say you and your friend both have car insurance. You drive your friend’s car and get into an accident. Your friend’s car insurance policy is the primary coverage, which means it covers all expenses first up to the limits of the policy.

 

If the costs of the accident exceed the limits of your friend’s insurance policy, however, then your own car insurance policy could come into play. In this situation, your friend’s car insurance would be entirely used up first, and then your own car insurance would cover any remaining expenses, up to the limits of your policy.

 

Who is Covered In Your Car?

Your car insurance should follow the car whenever somebody else is driving your vehicle, assuming the other person has permission to drive your vehicle.

 

Your car insurance will only extend to non-excluded drivers. If an excluded driver drives your vehicle with your permission, then your car insurance may be voided.

 

Generally, you have to manually exclude certain drivers from your policy in order for them to no longer be covered by car insurance. You might exclude your spouse after she gets a DUI, for example, because it would raise insurance premiums. If your spouse is excluded from your insurance policy, then your spouse will not be covered when driving your vehicle.

 

Call Us For Affordable Insurance 

We want you to have comprehensive car insurance! Trueway Insurance is an insurance company located in Lake Worth. We offer the best affordable insurance in Palm Springs. This includes those looking for cheap home insurance. We are here to provide quality for our customers because we believe in the power that insurance can have in any person’s life. If you are interested in learning more about what we can do for you or you have further questions regarding notaries and how they play a part in the insurance process, contact us. We hope you find the information you need here but if not please give us a call at (561) 318-5540. Take advantage of one of the best commercial auto insurance today!

 

Cheap Car Insurance: Will Your Rates Go Down?

Cheap Car Insurance: Will Your Rates Go Down?

If you pay 150 for car insurance, do you expect to pay that 150 for the rest of your life? Does that number ever go down? Here at Trueway Insurance, we have all the information you need when it comes to cheap car insurance. When it comes to commercial auto insurance, we are the ones to trust. 

 

How Does It Go Down?

There are plenty of ways for car insurance to go down over time. Here are the most common reasons why insurance rates will go down:

  • Getting older
    • A teenage driver is in the highest risk class for making an insurance claim. Inexperienced, teenage drivers have the highest accident risk. 
  • Moving to a new home or state
    • Car insurance companies calculate insurance premiums using your ZIP code. Some neighborhoods are associated with a high number of accidents or break-ins. Moving out of a crowded, dangerous big city into the safer suburbs, for example, can cause car insurance prices to drop significantly.
  • Maintaining a safe driving record
    • If you cause an accident or make a claim, your car insurance rates will rise. If you get a speeding ticket or a DUI, then your insurance premiums should also rise.
  • Buying a home or building your insurance policies
    • Buying a home for the first time can cause car insurance premiums to drop. You might buy home insurance and car insurance from the same insurance company, allowing you to enjoy a bundling discount. 
  • Getting married
    • If you and your spouse combine your car insurance policies into one policy, then you will likely pay less overall for car insurance.
  • Switching to a new car insurance company
    • America’s car insurance industry is very competitive. Wherever you’re located in the country, you should have plenty of car insurance providers from which to choose. Switching to a new car insurance company can cause rates to drop over time substantially.

 

We Offer Cheap Car Insurance 

Looking for one of the most reliable and affordable insurance companies near me? Look no further. As an independent insurance agency, TrueWay Insurance takes pride in offering superior customer service. Let us assist you in finding the coverage for your car insurance, home insurance, and business insurance needs. We sell insurance anywhere in the state of Florida, including Miami, Broward, Palm Beach, and Lucie County. 

 

Call Us For Commercial Auto Insurance 

We want you to have cheap car insurance! Trueway Insurance is an insurance company located in Lake Worth. We offer the best affordable insurance in Florida. This includes those looking for cheap home insurance. We are here to provide quality for our customers because we believe in the power that insurance can have in any person’s life. If you are interested in learning more about what we can do for you or you have further questions regarding notaries and how they play a part in the insurance process, contact us. We hope you find the information you need here but if not please give us a call at (561) 318-5540. Take advantage of one of the best commercial auto insurance today!

 

Cheap Auto Insurance – Does Being a Homeowner Help?

Cheap Auto Insurance – Does Being a Homeowner Help?

Are you looking for a way to get cheap auto insurance? What if we told you that your rate will be cheaper if you are a homeowner? While this is true for many situations, it is not the case for everyone. Here at Trueway Insurance, our professionals are here to break it down and help you understand. We offer the best home insurance quotes and are conveniently located in Palm Springs. 

 

So What Is Cheaper?

One of the best ways to save money on insurance is to bundle policies together. The same companies that sell car insurance often sell home insurance. By bundling your auto and home insurance policies with the same company, you can save money on both policies.

 

There are also other reasons why car insurance tends to be cheaper if you’re a homeowner. Car insurance companies check your credit score before giving you a policy. Someone who owns a home may have a stronger credit score – and better overall finances – than someone who does not own a home. This is particularly true for homeowners who have paid off their mortgage.

 

Cheap Auto Insurance: The Pros of Bundling

  • Save 5% to 25% on insurance premiums on each policy after bundling
  • You don’t have to deal with multiple insurance companies, multiple billing systems, and multiple accounts; you can manage all your major insurance policies from a single dashboard
  • If you have a history of car accidents or costly claims, then bundling your car insurance with your home insurance can make it less likely your insurance company will drop you
  • Bundling savings can be even higher for those with multiple vehicles, multiple homes, or a spouse.

 

Ultimately, homeowners can typically save a lot of money by bundling car insurance with home insurance. Savings aren’t guaranteed, and it’s easy to get complacent with a bundled policy. For many homeowners, however, bundling is an effective way to save money.

 

We Have The Best Options!

Are you looking for one of the most reliable and affordable insurance companies near me? Look no further. As an independent insurance agency, TrueWay Insurance takes pride in offering superior customer service. Let us assist you in finding the coverage for your car insurance, home insurance, and business insurance needs. We sell insurance anywhere in the state of Florida, including Miami, Broward, Palm Beach, and Lucie County. 

 

Call Us For Home Insurance Quotes

We want you to have cheap auto insurance! Trueway Insurance is an insurance company located in Palm Springs. We offer the best affordable insurance in Florida. This includes those looking for cheap home insurance. We are here to provide quality for our customers because we believe in the power that insurance can have in any person’s life. If you are interested in learning more about what we can do for you or you have further questions regarding notaries and how they play a part in the insurance process, contact us. We hope you find the information you need here but if not please give us a call at (561) 318-5540. Take advantage of one of the best home insurance quotes today! 

Car Insurance Rates: Does Crime Rate Play a Role?

Car Insurance Rates: Does Crime Rate Play a Role?

When it comes to car insurance rates, you must be wondering what can affect the price you pay. Our experts are here to clear the air. Your car insurance rate can be affected by a number of factors. The experts at Trueway Insurance want to make sure you know exactly how you can be affected. When it comes to auto insurance quotes, we are the ones to turn to. Lake Worth counts on us to protect them and their vehicles. 

 

Enter Your Zip Code

Many people are surprised to discover that crime rate can significantly impact auto insurance premiums. When you sign up for insurance, the first thing you usually have to do it enter your zip code. When you enter your zip code, the areas crime rate can raise or lower auto insurance premiums. Depending on your ZIP code, this difference can be significant. Today, we’re explaining everything you need to know about how the crime rate can impact auto insurance premiums.

 

Car Insurance Rates Get Affected

Insurance companies use hundreds of different factors to calculate your risk as a policyholder. Based on these hundreds of factors, insurance companies will attempt to answer a simple question: what are the chances that you will make an insurance claim in the future?

 

Insurance companies use your driving record to answer this question. Someone who has three DUIs and four at-fault accidents in the past seven years, for example, is a riskier driver to insure than someone with one speeding ticket.

 

Insurance companies will also use your demographic data. An 18-year old male, for example, is a riskier driver to insure than a 45-year old female, all things being equal.

 

In addition to using demographic data and driving history, however, insurance companies consider various features of your location – including crime rate.

 

There’s a reason you input your address and ZIP code into a car insurance quote request form. Your address and ZIP code plays a crucial role in insurance premiums. Certain addresses and ZIP codes are associated with higher insurance premiums.

 

We Can Help!

Are you looking for one of the most reliable and affordable insurance companies near me? Look no further. As an independent insurance agency, TrueWay Insurance takes pride in offering superior customer service. Let us assist you in finding the coverage for your car insurance, home insurance, and business insurance needs. We sell insurance anywhere in the state of Florida, including Miami, Broward, Palm Beach, and Lucie County. 

 

Call Us For Auto Insurance Quotes

We want you to have the best car insurance rates! Trueway Insurance is an insurance company located in Lake Worth. We offer the best affordable insurance in Florida. This includes those looking for cheap home insurance. We are here to provide quality for our customers because we believe in the power that insurance can have in any person’s life. If you are interested in learning more about what we can do for you or you have further questions regarding notaries and how they play a part in the insurance process, contact us. We hope you find the information you need here but if not please give us a call at (561) 318-5540. Take advantage of one of the best auto insurance quotes today