High Point, North Carolina
1004 N Main St Ste 101
High Point, NC 27262
(336) 884-5636

4 FAQ About Car Insurance December 9, 2019

High Point, Guilford
4 FAQ About Car Insurance , High Point, North Carolina

Buying car insurance can be a confusing process. There are many coverage options to consider, and while it’s essential to end up with adequate protection, you also want to ensure you’re getting the best rate available. Below are the answers to a few questions that drivers commonly ask when shopping for a policy.

What to Know About Car Insurance

What is full coverage?

Typically, full coverage is the term used to describe a policy that includes liability, collision, and comprehensive coverage. Liability insurance is designed to cover any injuries and property damage another person sustains because of an accident you caused. Collision insurance will help pay for repairs to your own vehicle should you hit another car or object regardless of who was at fault. Comprehensive coverage will reimburse you for any non-collision related losses you incur. This includes events such as fire, hail, theft, vandalism, falling objects, and animal impact.  

How much coverage do I need?

Your auto insurance needs will depend on a variety of factors specific to your individual situation. The majority of states have minimum requirements for liability coverage, but in most cases, this doesn’t provide enough protection. To determine how much you should buy, it’s important to consider your driving habits, the value of your vehicle and other assets, if your area is prone to natural disasters or criminal activity, and your budget.

How can I lower my premium?

car insuranceMany insurers offer opportunities to reduce coverage costs. Though these vary from company to company, oftentimes, you can lower your premium by bundling home and auto insurance policies with the same provider, installing anti-theft devices, increasing your deductible, taking a driver’s safety course, and improving your credit score. Your agent will explain which discounts you qualify for.

Are other drivers covered in my vehicle?

Generally, your coverage will apply to anyone listed on your policy. If other drivers in your household will be using your vehicle frequently, it’s best to add them. It may also provide protection for people who occasionally drive your car as long as they have your permission. Before lending out your vehicle, check with your agent to make sure you won’t be liable for someone else’s accident. 



If you’re looking for reliable car insurance to protect you from life’s uncertainties, turn to Dewey Beckner at Allstate Insurance Companies in High Point, NC. Offering more than 20 years of industry experience, he understands the unique needs of each client and is dedicated to providing customized coverage solutions. With his professional guidance, you can feel secure about your financial future. Call (336) 884-5636 to set up an appointment or visit him online to request a quote.  

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