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What you should know about car insurance


  • YOUR CREDIT SCORE MATTERS* A good credit score can reduce your bill with many insurance providers. Always ask about good credit discounts. This may change with new legislation.
  • TAKE THE LOWER DEDUCTIBLE INSTEAD OF A HIGHER DEDUCTIBLE A higher deductible will save you cash in the short term, but in most cases the savings are limited. The downside of a higher deductible is a one-time higher out of pocket cost.
  • MORE LIABILITY INSURANCE Alarmingly there are many people who are insured but have the minimum allowable liability coverage. Any accident with serious injuries can easily cost you more than your basic coverage; increasing your liability coverage will decrease this risk.
  • ASK FOR DISCOUNTS Simply asking for discounts can save you a significant amount of cash.
  • STOLEN PERSONAL ITEMS Stolen personal items are not covered under most insurance policies.
  • YOUR CAR IS WORTH MORE TO YOU THAN THE INSURANCE COMPANY Adding Gap Insurance to your policy will cover the difference between what your insurance company says the car is worth and what you owe on the vehicle.
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THE NATION'S RISKY DRIVERS

PEOPLE PAY THE PRICE FOR GOING UNINSURED

The number of uninsured drivers is on the rise. When the economy turns and unemployment rises, so does the number of uninsured drivers. Recent studies show more than 16% of the nation's drivers are uninsured at any given time. As the economy continues to struggle, the number of uninsured or under-insured drivers will continue to rise.

WHAT THIS MEANS FOR YOU:

INSURANCE COSTS MORE FOR YOU

When less people pay for insurance, those following the rules pay more.

BEING UNDER-INSURED CAN HURT EVERYONE INVOLVED

Your liability coverage can run out quickly in cases where individuals are injured.

GET MORE TO PROTECT YOURSELF

Consider increasing your policy's coverage. Nearly 1 in 6 drivers don't have insurance. Increasing your coverage is always a safe bet.


BIGGEST MISCONCEPTIONS ABOUT CAR INSURANCE

YOUR CAR'S COLOR MATTERS

False. The color of your car has no impact on insurance costs.

MECHANICAL PROBLEMS ARE COVERED UNDER COMPREHENSIVE INSURANCE

False. Mechanical problems would be covered under your car's warranty (which acts as a sort of insurance policy).

A CAR THAT CAN'T BE DRIVEN AWAY FROM AN ACCIDENT IS 'TOTALED'

False. Your car insurance company will help you determine whether your car is, in fact, considered 'totaled'.

THIEVES ARE MORE LIKELY TO STEAL NEW CARS

False. Thieves steal a variety of makes, models, and years. In fact, many popular older models are at higher risk than new cars.

'FULL COVERAGE' POLICIES COVER TOWING AND RENTAL COSTS

False. Both of these coverages will come at an additional cost.


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Clearlink Insurance

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ClearLink Insurance Agency, LLC offers insurance products in the following states: (AL - 662369), (AR - 416243), (AK - 10116668), (AZ - 10394470, (CA - 0i22561), (CO - 419732), (CT - 2424421), (DC - 3041371), (DE - 1326873), (FL - L088857), (GA - 172259), (HI - 423474), (IA - 1002207278), (ID - 439793), (IL - 100640719), (IN - 869503), (KS - 461715304), (KY - DOI-805173), (LA - 582580), (MA - 1930638), (MD - 2112735), (ME - AGN213175), (MI - 100259), (MN - 40325516), (MO - 8287507), (MS - 15021382), (MT - AP770689), (NC -1000341544), (ND - 2000115021), (NE - 100196040), (NH - 2268499), (NJ - 1515723), (NM - 100012274), (NV - 947846), (NV - 876621), (OH - 985962), (OK - 100151491), (OR - 100213920), (PA - 666488), (SC - 193263), (SD - 10016345), (TN - 2238715), (TX - 1821698), (UT - 436588), (VA - 133866), (VT - 873256), (WA - 828648), (WI - 2609707), (WV - 100149165), (WY - 238959).