Specifically, auto insurance protects you from financial loss if you have an accident. When you purchase a policy from an insurance company, you agree to pay the premium, or cost of the coverage. In turn, the insurance company agrees to pay your losses as agreed to in your policy. The protection you receive today protects you from financial hardship in the future. We are the best as a Nashville Auto Insurance Agency
Without Insurance:
Let’s say you purchased a car and some time later, you had an accident that was your fault. The damages cost $10,000 for your car and $10,000 for the other vehicle. Without insurance, you have to pay the entire $20,000. An unexpected expense of $20,000 is life-changing, and nearly impossible to recover from.
With Insurance:
In this case, after you bought your car, you purchased an auto insurance policy that covers damage to your vehicle and any vehicle you hit. The policy costs you $50 per month and you’ve made every payment. Let’s assume that the same accident happens and you have a $20,000 expense for the repairs to both vehicles. Because your auto insurance policy covers the damage, the insurance company pays that $20,000 expense (less your deductible). You have a car that needs to be repaired, but that’s a lot better than having a $20,000 unexpected expense!
Why Do I Need Auto Insurance?
If you’re involved in a car accident and you do not have auto insurance, your out-of-pocket expense could be over $10,000. It’s sudden, unexpected and most of all, not financially planned for. Your car is in the shop, you may have a ticket for driving without auto insurance, and your license could be revoked. You’re trying to find the money to pay for the repairs and to get your license reinstated. By having auto insurance, you don’t have to worry about this. Your claim will be covered up to your limits and you’ll have help finding repair shops, your license won’t be in jeopardy for driving without insurance and, depending on your coverage, you may have a rental car, allowing you to still make trips to the store, drop the kids off at school, and go about life normally.
Is Minimum Liability Enough?
It all depends on what your needs are. Typically, people who purchase liability insurance are driving older vehicles or no longer paying off their vehicle. Our minimum liability customers are often seeking coverage on a car that, in the event of an accident, would be more costly to repair than to replace. Minimum Liability coverage is also often purchased when someone’s only concern is coverage for other individuals, vehicles or property injured or damaged by an accident that they cause. Generally speaking, if you’re not concerned about repairing your vehicle, Minimum Liability is what you want and the most cost-effective way to keep you driving legally.
AmeriAgency’s licensed insurance agents are determined to get you the best policies at the lowest rates possible. Our customer service representatives are always standing by, whether you need help getting car insurance for the first time, changing coverage or assistance following a car accident.
If you have had your license revoked or suspended, you may need SR22 Insurance. At AmeriAgency, our agents specialize in low cost SR22 Insurance. We will issue your SR22 electronically to the Secretary of State’s office. When you need SR22 insurance filed quickly to retain or reinstate your driver’s license, we’ll help you get back on the road as fast as possible. We make it easy to get a low cost SR22 quote and electronic filing!
No other insurance agency rewards drivers like us. We offer safe drivers discounts, full coverage discounts, anti-theft discounts, multi car discounts, and previous insurance discounts. Call us today to find out how bundling your insurance policies can save you big money!
We make it easy to pay your insurance! Make a payment online or transfer payments over the phone! You can also “set it and forget it” by setting up automated monthly payments. However you like to pay, AmeriAgency has a way to make it simple and convenient.
For more information, call us at 1-888-851-5572. If you would like to receive a fast and free quote, visit us on our webpage!
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