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What does full coverage car insurance actually cover?

What does full coverage car insurance actually cover?

full coverage car insurance

Have you been thinking about investing in full coverage car insurance? If so, before starting this type of car insurance policy it’s best to know exactly type of coverage you’re actually getting with full coverage car insurance.

what is “full coverage”?

“Full coverage” isn’t a coverage in itself. It’s a phrase generally used to designate a number of coverages that provide a good amount of protection: specifically liability, comprehensive, and collision coverages.

Liability helps pay for damage you cause in an at-fault accident, while comprehensive and collision can help repair damage to your car (or replace it altogether).

It’s a robust package of protection, yes — but it might not provide all the protection you need. And that’s why “full coverage” can be misleading.

what “full coverage” doesn’t include

Car insurance companies offer a bunch of coverage types that fall outside the domain of “full coverage,” and many are worth considering.

Let’s take a quick look at a handful of coverages that tend to fall outside of “full coverage”:

  • Medical payments coverage — This coverage can help pay post-accident medical expenses for you and your passengers regardless of fault, and it can also step in if you exceed your health insurance limits.
  • Uninsured/underinsured motorist coverage (UM/UIM) — UM/UIM coverage helps pay for bills that the other driver’s policy should have taken care of, but can’t because of that driver’s low coverage limits or lack of coverage altogether.
  • Emergency road service coverage (aka roadside assistance or towing and labor) — A handy coverage to have if you’re not a whiz with a jack and a wrench or just need to get a wrecked car to the shop.
  • Customized parts and equipment coverage — If you’re the kind of driver who likes a custom sound system and chrome rims, “full coverage” won’t help you replace or repair them after an accident — but this coverage can.
  • Rental car coverage — This can reimburse your rental car expenses after a covered accident.
  • Gap coverage (aka auto loan/lease coverage) — If you’ve financed your car, gap coverage exists to help you pay off your auto loan if your car’s totaled when you still owe more than it’s worth.

“full coverage” is really more like “very good coverage”

Though full coverage provides a good amount of protection in terms of liability and the well-being of your car, it doesn’t mean that you won’t have to pay anything out of pocket after an accident.

If you opt for a “full coverage” policy, you’ll be covered up to the limits you select. If damage exceeds your liability limits, you could be legally liable for the difference (a good argument for higher limits).

Keep in mind, too, that any time your comprehensive or collision coverage kicks in, you’ll also need to pay the deductible.

you may need more than “full coverage”

If you’re in the market for a new car insurance policy and you’re looking for maximum protection, consider all of your coverage options above and beyond what “full coverage” typically includes.

The general rule of thumb: buy as much coverage as you can comfortably afford.

Get Car Insurance Here

For affordable car insurance contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to connect with us online.

 

Need car insurance? Click here for a quote or call (541) 318-8835.
Tips To Save Money on Central Oregon Car Insurance

Tips To Save Money on Central Oregon Car Insurance

Get A Car Insurance Quote – Click Here!

By Tye Farnsworth

BEND, Ore. – Are you searching for ways to save money on Central Oregon Car Insurance? If so, you’ve come to the right place!

Ask any driver and they will tell you that they want to save money on car insurance because nobody likes to spend more than they should on insuring their vehicle. Sadly, most drivers will overspend on car insurance because they don’t know that they can save money, that’s why in this article we will offer you simple tips for saving money on car insurance.

Tip #1 – Check Central Oregon Car Insurance Rates Annually

It doesn’t matter if you have Insurance Bend Oregon or Allstate Insurance, you should check Central Oregon Car Insurance rates annually because rates change every year and it doesn’t make sense to continue staying with the same insurance provider especially if you can cut hundreds of dollars per year off your car insurance bill.

Tip #2 – Choose a Top Rated Insurer

It doesn’t matter if you live in Bend, Redmond, Prineville or the surrounding area in Central Oregon; you owe it to yourself to choose a top rated insurer who will offer you the best Central Oregon Car Insurance possible for the lowest rates.

Before choosing an insurer you should review them online FIRST to make sure that their company has plenty of feedback from actual customers because “social proof” will give you confidence that you’re choosing the right car insurance company and negative online feedback can save you the hassle of choosing the wrong insurer.

Tip #3 – Pick the Right Deductible

Did you that if you choose a higher Central Oregon Car Insurance deductible you will be able to lower your car insurance premium by as much as 30%? This is a smart move to make especially if you haven’t had an accident and are a safe driver but it’s important to remember that if you choose this option you must be prepared to pay the full deductible before your car insurance kicks in.

Tip #4 – Ask For Discounts

Central Oregon Car Insurance discounts are an excellent way for you to save money on car insurance every month. You shouldn’t hesitate to ask for discounts including the safe driver, a good student, and a bundle discount because discounts are another excellent way for you to save hundreds on your car insurance premium every year.

Get Central Oregon Car Insurance

To get the most affordable Central Oregon Car Insurance contact me, Tye Farnsworth, by calling me at (541) 318-8835 or click here to connect with me online.

3 Things You Need To Know About Central Oregon Car Insurance

3 Things You Need To Know About Central Oregon Car Insurance

Are you thinking about buying Central Oregon Car Insurance? If so, you’ve come to the right place! In this article, we will provide you with 3 things you need to know about car insurance so you will be better prepared before you purchase it.

#1 – The Color of Your Vehicle Doesn’t Matter When You Buy Central Oregon Car Insurance

Although it’s one of the most common car insurance myths the reality is that the color of your vehicle doesn’t matter when you get Central Oregon Car Insurance because insurance companies always quote a policy based on things like your driving record, age, job, accident history, previous history of car insurance and marital status.

#2 – How You Use Your Car or Truck Will Affect Your Car Insurance Policy

How often do you drive? What will you use your vehicle for? These are questions you will be asked when you apply for Central Oregon Car Insurance because, how you use your vehicle will ultimately affect how much money you’re going to pay each month for your car insurance policy especially if you use your vehicle for work or side jobs like deliveries.

central oregon car insurance

#3 – Your Car Insurance May Not Cover Everything

Last of all, but most important, your car insurance may not cover everything since the type of coverage you choose will only provide you with a set amount of coverage for collision, personal property damage, medical payments or damage from uninsured motorists so if you have significant assets that you can’t afford to lose, especially if you get into a car accident, it’s best to work with an agent who specializes in Central Oregon Car Insurance so they can answer all of your questions and help you choose the best insurance policy.

Get Central Oregon Car Insurance

For affordable Central Oregon, Car Insurance contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to connect with us online.

Central Oregon Car Insurance – What Is Full Coverage Insurance?

Central Oregon Car Insurance – What Is Full Coverage Insurance?

By Tye Farnsworth

Get a car insurance quote quote online! Click here!

BEND, Ore. – Full coverage Central Oregon Car Insurance is a policy that offers drivers a “fair amount” of insurance protection including comprehensive, collision and liability coverage but what most people don’t know is that the term “full coverage” can also be misleading because depending on your current car insurance company you may not be covered fully especially if you need emergency road service, rental car coverage or gap coverage.

Should You Increase Your Central Oregon Car Insurance?

When it comes to your Central Oregon Car Insurance the best thing to do when thinking about your current car insurance coverage is to find out exactly what your type of coverage your current policy offers. You should then add on the additional coverage you need for your situation, and can comfortably afford because of you may have to pay out of pocket for expenses which came from a car accident if your policy didn’t full cover you.

Central Oregon Car Insurance

How Often Do You Drive?

If you’re retired, or only drive your vehicle on weekends, you may want to choose liability only car insurance because, this form of Central Oregon Car Insurance will protect you financially if you are found to be responsible for causing damage to another driver’s vehicle but it’s also important for you to know that liability only coverage will not cover you financially if you damage your vehicle, or yourself, during a car accident so it’s best to always pay for the amount of coverage that you will be able to comfortably pay for within your budget.

Get Central Oregon Car Insurance

For an affordable Central Oregon Car Insurance quote contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to connect with us online.

We’re located at 1900 NE Division St Ste 111, Bend, OR 97701 and look forward to the opportunity of earning your business!

Did Your Central Oregon Car Insurance Premium Just Increase? Here’s what to Do Next

Did Your Central Oregon Car Insurance Premium Just Increase? Here’s what to Do Next

Save Money On Central Oregon Car Insurance Here!

If you just received your renewal from your Central Oregon Car Insurance Company and found that your premium increased you’re not alone. Many drivers across the United States have found that their car insurance premiums have increased by as much as 15% and they aren’t happy about it.

In this article we will share with you several tips you can use to lower your premium and save money on Central Oregon Car Insurance.

Tip #1 – Search for another Car Insurance Company

Although you may have been with your Central Oregon Car Insurance Company for year’s one important thing to remember is that if you’re paying more money for the same coverage, and you didn’t get into an accident, you owe it to yourself to search for more affordable car insurance so you can save money.

Tip #2 – Downsize Your Car Insurance Policy

Have you been sticking with a full coverage Central Oregon Car Insurance policy for some time even though your vehicle is more than five years old? In this case it makes sense to downsize from full coverage to a liability only care insurance policy so you can save money on car insurance every month.

Tip #3 – Ask For Bundle Discounts

Do you have multiple insurance policies including life insurance and homeowners insurance? If so, you should ask your Central Oregon Car Insurance Company if they offer a bundle discount if you decide to combine all of your insurance policies with the same company.

Central Oregon Car Insurance

Tip #4 – Are You A Safe Driver? Don’t Be Afraid To Ask For a Discount

Last of all, but most important, another important way you can save money on Central Oregon Car Insurance is by asking for a safe driver discount if you’ve not been in an accident or had a ticket within the last few years.

Get Central Oregon Car Insurance

For an affordable Central Oregon Car Insurance quote contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to connect with us online.

 

Central Oregon Car Insurance
Get a car insurance quote. Click here!
What Should You Look For In A Central Oregon Car Insurance Agent?

What Should You Look For In A Central Oregon Car Insurance Agent?

new car 2014

Choosing a Central Oregon Car Insurance Agent is a very personal decision because, changing your car insurance policy to a different company will ultimately save you more money per year but also time as well especially if you ever have to contact your car insurance company with a question or concern.

In today’s post were going to cover the top things you should be looking for in a Central Oregon Car Insurance agent so you can ultimately choose an agent that you will feel comfortable with calling and have confidence that their company will save you time and money.

Savings

The first thing you should search for in a Car Insurance Agent in Bend Oregon or elsewhere in Central Oregon is someone who is willing to go the extra mile to insure that you will save the most money on car insurance possible.

For example: as long time Central Oregon Car Insurance Agents we can save you money on car insurance by offering to bundle your car insurance premium with your other insurance policies, offer you discounts based on grades if you are a student, miles driven, home address, occupation etc.

Customer Service

Another important aspect of choosing the right Central Oregon Car Insurance Agent is choosing someone who offers you good service, whenever you call in with a question, comment or concern.

If your Central Oregon Car Insurance Agent can’t be reached during normal business hours during the week it’s best to ask yourself if they can be trusted with your business because, every second after a car accident counts especially when it comes to professionally reporting the car accident to insure that your needs are best represented.

For all of your insurance needs contact the Farnsworth Agency today by calling us for a free car insurance consultation at (541) 318-8835 or click here to contact us online.

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