Automobile Insurance

Great Quality Protection for Yourself and Your Car with Our Automobile Insurance

We so many auto insurance companies and coverages to choose from it helps to know that Pella is looking out for you. In case of an accident, we can help you to protect your passengers, other drivers, pedestrians and property from financial losses.

Learn More About Automobile Insurance

What Affects My Car Insurance Rate?

Knowing what affects your auto insurance rates – and how to get the best rate you possibly can – is not as hard as it seems. The key is to understand that several factors are considered to determine insurance rates, some of which you can control and some you cannot.

What Auto Insurance Coverage Do You Really Need?

Determining the type of coverage that you need for your car insurance plays a role in the cost of your insurance premiums. Your independent insurance agent can help you determine an appropriate deductible amount for your car.

If you own a ’99 Honda, you probably don’t need $20,000 coverage on your car. No one would pay you more than your car is worth even if it was totaled in an accident. Insuring a brand new Cadillac, though, is going to cost you far more than insuring that late-model Honda.

Is Low Liability Coverage Really a Good Idea?

The cost of your liability coverage will affect your auto insurance premiums. Some people think they can save money by choosing minimum liability coverage. They may not even know what liability coverage means, but they want to do what it takes to pay less for insurance.

Liability coverage is the foundation of car insurance; it protects against bodily injury and property damage in the event of a car accident. If you have minimal liability coverage and you cause an accident in which someone else is seriously injured, your insurance may not cover all the costs of their medical needs. You may end up getting sued and losing whatever personal assets you have. With that scenario in mind, higher limits on your liability coverage may be a good idea.

High Accident and Crime Rate Areas Affect Auto Insurance Rates

If you live in a city or in the country where accident rates are high or where crime is a concern, this will affect the cost of your auto insurance. People who live in areas that are considered safe may pay less.

Your Accidents and Driver’s Record Affect Car Insurance Costs

Insurance companies take into account your driving record when determining the cost of your auto insurance premiums. High-risk drivers have to pay more for their insurance. If you have had a number of moving violations or if you have been arrested for DUI, your insurance rates will likely climb. If you have had several accidents where you were at fault, you may not even be able to get insurance from some carriers.

Do You Have a Safe Driving Record?

If you have not been involved in car crashes or had any moving violations, the insurance companies tend to favor drivers like you. They may offer you discounts including the vanishing deductible discount, which reduces your deductible by a certain amount for every year that you do not file a claim.

Safe Driver Courses Can Lower Insurance Costs

Taking a safe driver or defensive driving course online or in the classroom may lower your insurance, depending on your own individual situation. In some states, passing the save driver’s course may result in a discount in your insurance rates for three to five years.

Why Get a Multi-policy Discount?

When you’re already paying several insurance premiums to different providers, it makes sense to bundle the rates. The best reasons to switch your current insurance policies to one company are that you will save time and you will save money.

Multi-policy Discounts Can Save a Bundle on Insurance Rates

Are you looking for easy ways to save time and money? Then, you should learn more about combining the various types of insurance you have with one insurance company to take advantage of a multi-policy discount.

You may qualify for a multi-policy discount if you have one or more cars and an apartment or home. But it might be up to you to ask your independent insurance agent about the discounts available to you.

Let’s see what kind of insurance policies you can bundle, why it’s beneficial to get a multi-policy discount, and what you can expect to save by consolidating your insurance premiums under one provider.

It’s Convenient to Bundle Insurance Policies

It’s simple, if you have multiple policies with one insurance carrier, you’ll see less paperwork and fewer bills. You’ll not only save yourself time, but your insurance company saves time too, which is one reason they offer the discount in the first place. When you’ve got a multi-policy discount, you’ll conveniently be paying just one insurance provider for your insurance needs.

Are You a Single Male under 25 Years of Age?

Young men under the age of 25 are considered the riskiest of all drivers. If you fall into this category, you might want to buy a “conventional” car since car insurance companies pay attention to the type of car that young men drive. You may want to wait on the Audi Sports car until after you turn 26.

Why Get a Multi-policy Discount?

When you’re already paying several insurance premiums to different providers, it makes sense to bundle the rates. The best reasons to switch your current insurance policies to one company are that you will save time and you will save money.

Multi-policy Discounts Can Save a Bundle on Auto Insurance Rates

Are you looking for easy ways to save time and money? Then, you should learn more about combining the various types of insurance you have with one insurance company to take advantage of a multi-policy discount.

You may qualify for a multi-policy discount if you have one or more cars and an apartment or home. But it might be up to you to ask your independent insurance agent about the discounts available to you.

Let’s see what kind of insurance policies you can bundle, why it’s beneficial to get a multi-policy discount, and what you can expect to save by consolidating your insurance premiums under one provider.

Multi-policy Discounts Can Save a Bundle on Auto Insurance Rates

Are you looking for easy ways to save time and money? Then, you should learn more about combining the various types of insurance you have with one insurance company to take advantage of a multi-policy discount.

You may qualify for a multi-policy discount if you have one or more cars and an apartment or home. But it might be up to you to ask your independent insurance agent about the discounts available to you.

Let’s see what kind of insurance policies you can bundle, why it’s beneficial to get a multi-policy discount, and what you can expect to save by consolidating your insurance premiums under one provider.

It’s Convenient to Bundle Insurance Policies

It’s simple, if you have multiple policies with one insurance carrier, you’ll see less paperwork and fewer bills. You’ll not only save yourself time, but your insurance company saves time too, which is one reason they offer the discount in the first place. When you’ve got a multi-policy discount, you’ll conveniently be paying just one insurance provider for your insurance needs.

What Policies Can You Bundle with Auto Insurance?

Chances are that you have more than just auto insurance, but what other kinds of policies can you ask your insurance company about bundling to get the most out of a multi-policy discount? Here are a few examples:

  • Home: Whether you rent or own your home, the insurance you buy to protect your dwelling is very commonly bundled with auto insurance.
  • Boat: Enjoy your adventures on the high seas, rivers or lakes more than ever while knowing you’ve done all you can to save money on insurance.
  • RV: A recreational vehicle is your home away from home. Insure it and other “toys” you drive with the same insurance company and save.

How Much Money Can You Save?

The multi-policy discount you receive will depend on which policies and how many you bundle with your insurance company. Your discount will also vary from provider to provider. Usually, your multi-policy discount could save you up to 15 percent or more on your insurance rates.

Find out what will affect your own insurance premiums by calling an independent insurance agent who cares at Pella Insurance, Bouwers Agency. At Pella Insurance, we will take a look at the big picture and help you find the right car insurance for you.