If you’ve listened to the TV or radio today, chances are you’ve already heard someone trying to convince you that car insurance is about one thing – finding a great price. Sure, getting the best car insurance rates is a bonus, but a select few know that the most important part of your coverage has nothing to do with the cost of insurance and everything to do with protecting themselves and the ones they love against the unexpected. Continue reading to learn the real factors you should be looking for when shopping for car insurance.
What Purpose Does Insurance Serve?
Do you know what tomorrow holds? Of course not. That sense of not knowing what might happen is why we have insurance. Accidents happen in a split second and they are sometimes unpreventable. If you were to find yourself or a family member responsible for an accident, your liability for that accident could be enough to wipe out years of savings and future income as well.
The purpose of insurance is to protect your assets, and to make yourself whole again, but it begins with having the proper coverages and limits.
Asset Protection and More
When you move beyond thinking about car insurance as a monthly bill and more of a financial tool used to preserve your wealth, you start to see how shopping for insurance based on rates alone is like choosing a doctor based on his low prices instead of his qualifications. Having had the best car insurance rates means nothing if you find out you were underinsured or had the wrong coverage all along.
Knowing what coverage you need can be tricky and is something that should not be taken lightly. There are a number of exposures that are not covered by standard policies without proper endorsement or a separate policy altogether. In addition to having coverage, you also need high enough limits. The type of coverage you need, along with the proper limits is something that we can help determine.
When you work with an independent agent at Imes Insurance Associates, you get the one-on-one attention and support of a person who is genuinely interested in meeting your needs and exceeding your expectations. We will ask you questions about possibilities you may not have considered, such as:
- Who would cover your medical bills, rehabilitation, and future earnings if you were injured by an uninsured driver.
- Whether your auto insurance property damage liability is enough to pay for a multi-vehicle pile-up
- Whether your bodily injury liability is enough to cover a multi-million-dollar wrongful death suit
- Who would pay for your towing and rental car expenses while your car is repaired after an accident
- Whether your vehicle would be repaired with quality OEM parts or after-market, ‘generic’ parts
Don’t Wait Until It’s Too Late to Get a Real Car Insurance Evaluation
At Imes Insurance Associates, we do not take car insurance lightly. We are a full-service, independent insurance agency with an allegiance to our clients – not an insurance company. For decades, we have been helping drivers in the Phoenix Valley evaluate their personal and commercial auto coverage needs.
We are far more concerned with actually meeting your coverage needs than shaving a few bucks off your premiums. A dollar saved today means nothing if it costs you thousands of dollars tomorrow. Instead of baiting you with low-ball rates, we will sit down with you to discuss how an accident might affect you and the types of coverage you can purchase to offset your risks.
To request a car insurance needs assessment, contact our office today. We look forward to serving you soon.