It can be argued that the most important part of your car insurance is the part you need most right now. If you haven’t filed a claim in a while and consider yourself a good driver, it’s easy to start seeing your policy as more of a bill you pay each month and less of an asset.
If you are in the middle of filing a claim, however, the most important part of your policy suddenly becomes the coverage you need to pay for your losses and liability. So which is it? Should you shop for a policy based on coverage or finding the best car insurance rates?
Continue reading to find out what you should really be searching for, and why an independent insurance agent is a person you need in your corner to help find the best car insurance rates.
Great Car Insurance Rates
It’s easy to be enticed by low rates. After all, who wouldn’t want to save a little cash every month? This type of thinking is further encouraged when insurers center their advertising on saving you money – not taking care of you after an accident. That’s not to say that getting a good deal on insurance is not important; it is. However, be careful that you are not sacrificing the quality of your coverage in the name of inexpensive rates.
Great Car Insurance Coverage
Do you know what would happen if you were responsible for a serious car accident?
- You would need someone to tow your vehicle and the other vehicle involved in the collision.
- You, your passengers, and any victims in the other vehicle might need medical attention, which could include emergency transportation, surgery, a hospital stay, and even rehabilitation
- All of the vehicles involved would need to be repaired or replaced
- You would need temporary transportation while your car was being fixed or replaced
- You might find yourself in court, responsible for the victim’s personal injuries, lost wages, and pain and suffering.
The total cost for a somewhat routine traffic accident could easily reach thousands of dollars or much more – all at your expense without the right car insurance coverage. In times like these, the best car insurance rates are long forgotten in the light of a major loss and financial responsibility.
The Winner?
If you had to choose between great coverage and affordable pricing, always go with coverage first. However, we here at Pentagon Insurance believe you can have the best of both worlds. We are a different kind of insurance agency – one that works for our customers instead of a big company. As a full-service agency, we take time to listen to our customers and pay attention to the types of risks they face on a daily basis.
We recognize that the insurance needs of a self-employed individual working from home may be different from those of a person who commutes hundreds of miles per week. We can identify drivers with significant assets that may be at risk in a lawsuit and find ways to increase the limits on their liability protection. Then, we go to work finding quotes from multiple Minnesota insurers, allowing you to find the best car insurance rates on the coverage you really need without sacrificing the protection you want for yourself and your family.
When you work with an independent agent, you are working with someone who continues to support you for years to come. At Pentagon Insurance, our clients mean the world to us. If you are searching for car insurance in the Twin Cities area, contact us to find out how local independent agents like us can deliver more coverage and better service for less.
Thom Grubbs is an insurance agent and partner at Pentagon Insurance Agency in Elk River, MN. Outside of work, Thom likes to bowl, fish, spend time with his family, and volunteer at his church. Get in touch with Thom and let him make life a little easier by talking over your situation.
