Dansard-Little Agency

Auto FAQ's

Q:

When purchasing automobile insurance what should I consider?

A:

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 that will protect you from a catastrophic accident.
  • Select the optional coverages you want such as rental reimbursement and towing.
  • Don't base your decision solely on price. Other factors like service and claim response are extremely important in selecting the right insurance.

Q:

If I need to rent a car while traveling, do I need to purchase the insurance from the rental car company?

A:

If you have comprehensive and collision coverage on at least one of your vehicles, your policy will cover damages to the rental car, subject to any applicable deductibles.
However, the rental car company can seek damages from you for the time the car is out of service (loss of use) and the depreciation or "diminished value" of the vehicle as a result of the accident. There are also administrative fees they can assess.

Q:

What is collision physical damage coverage?

A:

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

Q:

What is comprehensive physical damage coverage?

A:

Comprehensive provides coverage for direct physical damage losses you could incur to your car from perils such as fire, theft, glass breakage and vandalism .

Q:

How can I lower my automobile insurance rates?

A:

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 like us works with many companies and can provide you comparative rates and insure that your are getting the proper 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 significantly. 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 carrier, being claim free, and paying premiums in full. We also provide many group and association discounts based on occupation and membership of various associations.            


 

DLittle Update

 15621 S. Telegraph Rd
Monroe, MI 48161
phone: (734) 241-1133 
Fax: (734) 241-9275

Monday through Friday
8:30am-5:00pm
 
CLICK FOR A QUOTE

 


Are you renting a car? Click here!







Facebook

Dansard-Little Insurance Facebook Page

Insurance News

Thu, 17 Aug 2017 11:08:03 +0000
The four largest European reinsurers – Munich Re, Swiss Re, Hannover Re a...
Thu, 17 Aug 2017 10:37:54 +0000
Not one, but three potential storms threaten to usher in the busiest phase ...
Thu, 17 Aug 2017 05:00:41 +0000
As climate change pushes U.S. cities to build protections against stronger ...