There are several things you should consider when purchasing automobile insurance that your independent agent will help you with. Here are a few: Purchase the amount of liability coverage which makes sense for you. Select the optional coverages you want.4 Decide which company to purchase insurance from. Don’t base your decision solely on price. Other factors like service and claim response are extremely important in selecting the right insurance.

Broad Form Collision pays for the damages, less deductible amount, for collision damage to the insured vehicle regardless of fault. The deductible will be waived if the driver of your car is not substantially at fault in the accident.

Collision is the loss you incur when your automobile collides with another vehicle or object like a telephone pole.

Physical damage coverage for the insured’s own vehicle for damage resulting from perils such as fire, theft, hail, or contact with a bird or animal. Comprehensive coverage excludes collision. Also called Other Than Collision Coverage.

There are several things you can do to lower the cost of your automobile insurance. One way is to look for competitive pricing. An independent agent works with many companies and can provide you comparative rates and insure that your are getting the same coverage. Another way to lower the cost is to change your deductible. By raising your deductible you may lower the cost of your automobile insurance. You must be able to pay the deductible amount in case of a claim. You can also look for discounts that you may be entitled to. Some examples of discounts that may be available are: multiple cars under the same policy, carrying a homeowners policy with the same insurance company, different groups or associations.