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The bumper cars won\u2019t move. Neither does the giant Ferris wheel. All the rides are shut down, and you regret spending money at this\u00a0lame\u00a0<\/i>amusement park.<\/p>\n
When you pay for things, you expect them to work. That\u2019s the way it goes with car insurance. But how should your car insurance payment go to work for you?<\/p>\n
We\u2019re glad you asked! We collected all the car insurance questions we could think of and answered them right here in this blog.<\/p>\n
Your pulse pounds as you twist, turn, and twirl upside down at impossible speeds. The ride should stop at some point. Otherwise, you’ll live in a constant state of dizziness.<\/p>\n
You don\u2019t want your auto coverage to have peaks and valleys. You need to know what you\u2019re getting and when you\u2019ll get it.<\/p>\n
Let\u2019s start with the basics.<\/p>\n
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Your state sets legal minimums for the\u00a0amount of car insurance you need<\/a>. This includes coverage for bodily injury and property damage, which kicks in when you\u2019re legally responsible for an accident.<\/p>\n The following stats show why you should consider protection above state minimums:<\/b><\/p>\n You pay for damages with your own money when you don\u2019t have enough coverage.\u00a0<\/p>\n \u00a0<\/p>\n Yes, but\u00a0you should talk to your insurance agent<\/a>\u00a0first.<\/p>\n A normal personal auto policy won\u2019t cover your vehicle if it\u2019s used for business purposes like:<\/b><\/p>\n You might need\u00a0commercial auto insurance<\/a>.<\/p>\n \u00a0<\/p>\n Comprehensive coverage doesn\u2019t pay for every kind of damage under the sun.<\/p>\n Instead, it offers protection against things you can\u2019t control, like:<\/b><\/p>\n \u00a0<\/p>\n An umbrella policy is designed to give you extra bodily injury and property damage coverage. \u00a0\u00a0<\/b><\/p>\n Medical bills, vehicle repairs, and legal fees add up quickly, especially when you can be sued for mental pain and suffering if you cause an accident.<\/p>\n An umbrella policy makes a lot of sense when you have a teen driver. According to the\u00a0Centers for Disease Control and Prevention (CDC)<\/a>, teenagers are more likely to get in crashes than any other age group.\u00a0<\/p>\n \u00a0<\/p>\n It\u2019s a Saturday. You just bought a new SUV at a car dealership.<\/p>\n You call your insurance agent, but the office is closed.<\/p>\n Don\u2019t panic! Most insurance companies extend coverage to newly purchased vehicles for up to four days. In this situation, you should contact your agent on Monday.<\/p>\n \u00a0<\/b><\/p>\n Students in your household are insured when they\u2019re away at college and when they come home. They\u2019re also covered for their own personal liability when they have permission to drive someone else’s vehicle.<\/p>\n \u00a0<\/b><\/p>\n You wander onto the midway, with its blinding, blinking lights and blaring music. You want to win a prize, so you step up to a basketball game.<\/p>\n You pay to play, and a buzzer sounds. The hoop lurches forward and back as you go to work.<\/p>\n Your shot travels up in a perfect arc, but the ball bounces out at every attempt.<\/p>\n The game ends, and you think, \u201cThe ball is bigger than the rim. That was a waste of money.\u201d<\/p>\n When you see your car insurance rates increase, you might have similar thoughts. You should know why the prices for your coverage go up like any other product or service.<\/p>\n Here are the justifiable reasons why car insurance rates go up:<\/b><\/p>\n <\/p>\n The number of\u00a0registered vehicles has increased\u00a0every year since 2010<\/a>. This has led to more accidents.<\/p>\n As we already mentioned,\u00a0the cost of medical services has risen by 12% since 2012.\u00a0Vehicle repair costs have reached an all-time high, too.<\/p>\n Cars come equipped with parking assist, lane departure warnings, and more.\u00a0This technology adds safety and convenience, but it comes at a price. Average maintenance and repair costs\u00a0rose nearly 9% from 2018 to 2019<\/a>.<\/p>\n \u00a0<\/p>\n Studies show\u00a0the human brain is terrible at multitasking<\/a>. You put yourself at risk when you drive and text, call, or eat.<\/p>\n Unfortunately, distracted driving led to\u00a02,628 fatal crashes in 2018<\/a>.<\/p>\n \u00a0<\/p>\n Extreme weather such as floods, hurricanes, and tornadoes could lead to higher car insurance rates for customers in affected regions.<\/p>\n The\u00a0National Centers for Environmental Information (NCEI)<\/a>\u00a0offers eye-opening numbers for disasters that happened in the U.S. in 2019:<\/b><\/p>\n Your auto rates could increase if you live in an area with a high concentration of uninsured drivers.\u00a0According to the Insurance Journal<\/a>, the percentage of uninsured motorists varies by state, with Florida having the highest uninsured rate at 26.7%.<\/p>\n \u00a0<\/b><\/p>\n Take these steps to keep your rates lower:<\/b><\/p>\n \u00a0<\/b><\/p>\n Pekin Insurance offers auto discounts for:<\/b><\/p>\n Go here<\/a>\u00a0to learn all about our auto discounts. \u00a0<\/p>\n Who likes getting stuck? No one. When the ride breaks down, you want to get off of it and move on.<\/p>\n You have the same feeling when your car quits or gets a flat tire.\u00a0Pekin Insurance offers\u00a024\/7 Roadside Rescue<\/a>\u00a0for situations like this.<\/p>\n When your car gives you tough love, Roadside Rescue offers:<\/b><\/p>\n Roadside Rescue is available to everyone who has a personal auto policy with us, and it\u2019s automatically included if you have comprehensive coverage. It\u2019ll help you keep your day moving along.<\/p>\n Figuring out your car insurance shouldn’t be a roller coaster or carnival game. Your local, licensed Pekin Insurance agent will help you get the auto coverage you deserve!<\/b><\/p>\n<\/div>\nCan I Use My Personal Car for a Business?<\/b><\/h3>\n
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What Is Comprehensive Coverage?<\/b><\/h3>\n
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What Is Umbrella Coverage?<\/h3>\n
Is My New Vehicle Covered<\/b>\u00a0if I Can\u2019t<\/b>\u00a0Contact<\/b>\u00a0My<\/b>\u00a0Agent?<\/b><\/h3>\n
Does My Policy Cover My Kids While They\u2019re Away at College and Home for the Summer?<\/b><\/h3>\n
Auto Rates Are a Fair Game
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More Cars = More Accidents = Higher Costs<\/h3>\n
Distracted Driving<\/b><\/h3>\n
Catastrophic Weather<\/b><\/h3>\n
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The Number of Uninsured Drivers in Your Area<\/b><\/h3>\n
How to Keep Your Rates Lower<\/b><\/h3>\n
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What Discounts Do You Have?<\/h3>\n
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What Happens When the Ride Breaks Down?
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