Why Auto Insurance Policies Are Based on More Than Your Driving Record

It may seem maddening to have to deal with a never-ending list of questions when you first sign up for your auto insurance. However, rest assured that all your information is not going to waste. Learn more about why your policy is based on more than your driving record, and what you can do if you want to more control over your driving destiny. Keep these tips from Taake Insurance Agency in mind before you start calling around for quotes. 

Responsibility Matters 

Your credit score, your grades in school, your history with the armed forces: none of these things have anything to do with how well you drive. But some insurance companies see these things as a sign of your overall commitment to your responsibility. A person who pays their bills on time may very well be a dangerous driver, but chances are they take the right precautions to save themselves trouble on the road. 

Location Matters 

Where you live is a major factor when it comes to determining a person’s auto insurance rates. If you live in Columbia, IL, you already know that certain streets simply pose more danger than others. Whether it’s crime, congestion, or poorly displayed signage, some areas simply file more insurance claims than others. If you happen to live or work in one of these areas, this could affect your overall rate. 

Taake Insurance Agency is happy to serve the people of Columbia, IL when they’re in need of a reasonable policy. Give us a call today if you’re looking to discuss your policy with someone you can trust. We’re happy to answer your questions, so you can be confident in the level of coverage you choose. 

What Makes an Auto Policy Great?

Most people need a car to get around Columbia, IL. That means you also have to have car insurance. Choosing the right policy is as frustrating as it is intimidating, but it doesn’t have to be. There are a few things that change the value of a policy that is often overlooked by shoppers. A couple of tips from Taake Insurance Agency can help you better evaluate your options and get the best deal.

Customization

The simple fact is that you don’t need a policy that is identical to your neighbor’s. Everyone has different priorities. You might need to be able to accommodate teenagers who are learning to drive. Perhaps you engage in ridesharing from time to time for a little cash. There are so many factors that can impact how your policy should be customized that you want a policy and company that can adjust with you. Even in the digital age, not all companies and policies will be created equal in this.

Cost vs Coverage

We all want the lowest premiums we can get, but they don’t always come with the best coverage. The entire reason to have insurance is to make sure you aren’t on the hook if things go wrong. Too often, people only look at the premiums and not the true extent of the coverage. Does your policy pay on the value of your vehicle or on the cost of replacement? Sometimes, paying a little more each month is worth it if it can guarantee that you won’t be car-less after an accident.

If you’re still not sure which policy is the best, help is always available. You can speak with your Taake Insurance Agency representative serving Columbia, IL, and they will help you navigate. When you customize the right plan, you’ll find that car insurance doesn’t have to be so stressful.