Sorhage & James Insurance

Travelers has provided us with a new interactive tool to help you understand how much auto insurance you need and why. Click here to try it out  -  Absolutely no personal information is gathered.

When buying a car, there’s more to consider than the make and model. Price, size, gas mileage—even the way it feels behind the wheel—affect your decision.

You also should weigh your options when buying auto insurance. With many brands and features and price ranges out there, it pays to do your homework.

Here are some common questions…

• What type of auto insurance can I choose from? There are two types of auto insurance: Liability coverage pays for damage to other vehicles or injuries to other people that you cause. Physical Damage coverage pays for damage to your vehicle. These two coverages are the foundation of your policy.
• How much coverage should I buy? Each state defines the minimum amount of coverage required, but after that, the amount of coverage you buy is up to you. You choose based on your comfort level, budget and lifestyle. Some people want as much coverage as possible for all of life’s “what ifs.” Others are satisfied with bare-minimum coverage. If you have a newer vehicle, you may want more coverage to protect your investment. If you can afford higher deductibles (the amount you’ll pay out of pocket in the event of an accident), you can raise them and pay less premium.
• How is my rate determined? Rates are based on a combination of pieces of information about you, your driving record and your car. It’s important for you to provide accurate information to your local agent or to the insurance company you’re buying from. It helps them determine the best options and rates for you.
• Can I get a lower rate? Many insurance companies offer discounts that can help lower your rate. For example, Progressive offers discounts for good student drivers, paying your premium electronically and having more than one policy.Some companies offer rewards for renewing your policies with them. At Progressive, the longer you stay a customer, the more benefits you gain, such as lower deductibles and accident forgiveness. Ask your local agent about available discounts and programs.

Knowing the correct amount to insure your home for is critical  if you want to be fully covered in the event of a total loss. That is why we take special care to ask the right questions to make sure your home is properly insured.