Car insurance may seem complicated, but it doesn’t have to be. If you feel like you can’t grasp all the intricacies of the subject, High Point, NC, insurance agent Dewey Beckner of Allstate Insurance Companies provides a comprehensive run down. Below, he outlines three questions he frequently hears from customers so you can better understand your options and select the perfect policy.

3 Helpful Car Insurance FAQs

Liability vs. Collision Insurance

Everyone is not required to have collision insurance to drive because it covers damages to the car itself. Liability coverage, on the other hand, pays for legal expenses in case other drivers sue you. In the event of an accident in which you were at fault, this helps you avoid financial ruin because your insurance company will cover legal expenses up to a certain limit. The term “full coverage” usually refers to a policy that includes both collision and liability insurance.

How Are My Premiums Decided?

Monthly car insurance premiums depend on a variety of factors. Your age, location, and type of vehicle you drive are some of the greatest influences. Older drivers, for example, tend to have lower premiums since they have more driving experience and have been shown to take fewer risks while on the road. Also, a modest car will usually cost less to insure than a sportier model. Finally, cars with more safety features tend to come with lower premiums, since insurance companies see them as less of a risk to drive.

How Do I Find the Best Rate?

An excellent way to find a low car insurance rate is by bundling your policy with other types, such as homeowner’s insurance, to get a discount. You can also use an insurance agency, which will search through policies to find the best level of coverage at the lowest possible price. With an agency, they complete the tedious process of shopping to get you lower premiums.

Allstate Insurance Companies agent Dewey Beckner treats every customer as a unique individual and will work hard to find the coverage you need at a price you can afford. Call (336) 884-5636 for an insurance quote. You can also visit his Facebook page online to learn more about his dedication to outstanding service and read real customer reviews.