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  • Auto Insurance in Barboursville & Huntington WV from Maynard Insurance Agency

    Maynard Insurance Agency, Inc. offers auto insurance policies in Huntington, WV to protect your vehicle & your passengers.

    Automobile Insurance Policies Protect Your Ride, and Passengers

    Compared to most other forms of insurance, many customers are very aware of the kind of coverage they carry on their automobile. It is also possible that they would want to save as much money on their auto coverage, so customers often ‘shop around’ for the best quote. Maynard Insurance Agency is ready to review your coverage, and can obtain new coverage if you are just getting started.

    What You Need (to Know and Have) and Why

    When shopping for a car insurance quote, being able to answer these questions will help in determining risk, and can get you a fairly accurate quote:

    • How many miles do you drive each day?
      The more you drive, the greater your chance of getting into an accident. If you are at a high risk for accidents, you pose a higher risk to the insurance company, and have to pay higher premiums.
    • Do you own your car outright?
      If you lease a car or have a lien against it, you may be required to hold both comprehensive and collision insurance in addition to the state-required liability coverage.Also, you may be a good candidate for gap insurance, which will cover the difference between how much you owe and the car’s current value in the event that it gets totaled.
    • Do you use the car for business?
      If you use your car for business it may require commercial insurance. You may be redirected to get a commercial car insurance quote.
    • Is your vehicle equipped with safety and anti-theft devices?
      Certain safety and anti-theft add-ons can reduce the premium for your insurance. These reduce your risk of both theft and injury. When going through the quote process, be prepared to provide specifics about these features in each of your vehicles to help you get a lower rate.
    • How many cars are you insuring?
      If you are multiple-car household, be sure to let the company know how many vehicles you are insuring. It helps give you an accurate estimate, plus you may qualify for a discount on rates. There may also be a maximum number of vehicles per policy.
    • How many licensed drivers are in your household?
      Everyone you live with theoretically has access to your car, so your insurance company considers the other drivers a rating factor.
    • Do you wish to exclude any drivers?
      Someone in your household who has a bad driving record may be excluded from your policy, which can help save money. However, if there is any chance the driver will use your vehicle, exclusion is not recommended. Some states prohibit drivers from making exclusions.
    • Does your vehicle carry a salvage title?
      Many insurance companies will not cover vehicles with salvage titles until full repairs are complete.

    Questions on Your Driving and Insurance History

    Be prepared to answer these questions that help identify you, your driving, and insurance history:

    • How many violations and tickets are on your record?
      The premium rate is based on the amount of risk the insurance company has by insuring you. Your driving record indicates the level of risk you pose, by showing them your accident and violation history. Most companies focus on violations that may have happened in the last three to five years.
    • Who is your current insurance company?
      Your current carrier may affect your rate. Some insurance companies only provide policies to drivers with clean records and good credit. If your current insurance company is considered a high-risk company, you may be quoted a higher premium because you would be considered a high-risk driver. Conversely, if your current provider insures primarily low-risk drivers, you may get a better rate. Coverage gaps are another indicator of risk. If you are uninsured, this may affect your premium.
    • When does your current policy expire?
      Shopping for a quote a few days before your policy’s expiration date may be viewed by insurance companies as an indicator of responsibility. Checking a week or so early might make you eligible for a discount.
    • What is your birth date?
      Young drivers and those with only a few years of experience are at higher risk for accidents and so pay higher premiums.
    • What is your gender?
      Gender also factors into the risk equation. Women have fewer accidents on the whole and generally pay less than their male counterparts.
    • Are you married?
      Married drivers tend to get lower rates because the insurance companies view married drivers as more responsible and less likely to get into accidents. You may also qualify for a discount if you’re in a registered domestic partnership.
    • What is your Social Security number?
      Your SSN is used to pull your driving record in order to determine your risk. Depending on your state, your credit may also be pulled. Do note that when an insurance company views your credit history, it is considered a “soft hit” or inquiry, and does not affect your score.
    • Do you own a home?
      Homeowners are considered more responsible by car insurance companies and often get lower rates as a result. You may also be eligible for a discount if you bundle your homeowner’s insurance and your car insurance. Homeowners may also want to consider higher liability limits to protect their assets.
    • What do you do for a living?
      Certain professions are associated with lower accident rates, and vice versa. For this reason, your job can actually affect your quote.

    On average, many car owners may look for at least three different quotes. The difference in amounts can be as much as several hundred dollars, which this significant savings is why it can pay to shop around. Some insurance companies weigh factors differently. This is why it is good to work with an agent who can explain and help you select the best options.

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