The New Year is a Great Time for an Auto Insurance Review

A new year can mean a fresh start, and that’s a good time to consider updating important aspects of your life, such as your auto insurance policy. If you’re in the Cullman, AL, area and looking for a review and update for peace of mind, Insurance Solutions Inc. can help. We know you might not be sure what changes you need to make or whether you need to adjust anything at all. Working with trusted agents can help you discover your options so that you can update your policy effectively.

Reviewing your insurance policy is easier with the right help and support, giving you the knowledge you need and answering your questions. Not only does that give you confidence in the vehicle insurance decisions you’re making, but it can also give you important insight into future adjustments you may need. As you buy or sell vehicles, please increase the size of your family or make other life changes; working with our agents can protect you and your vehicle for the long term.

It’s easy and convenient to work with us, giving you the help you’re looking for and the quality insurance products you deserve. Please don’t settle for less when you have us to rely on for all your vehicle coverage needs, both now and in the future.

Contact us today at Insurance Solutions Inc. if you’re in the Cullman, AL, area and need an auto insurance review. Our dedicated agents will help you get the insurance you need through a new policy or changes to your existing one. Then, you’ll know that your vehicle is adequately protected and can get back to enjoying what it has to offer and the adventures you can have with it.

Does My Auto Policy Cover Rental Vehicles?

You’re finishing the paperwork at the rental car counter, and one of the last things you’re faced with is the representative indicating how you’ll be responsible for any damage incurred while using the vehicle. You decline it anyway, but I still wonder if your policy covers accidents with rental cars.

Relax because the policies issued through Insurance Solutions Inc., serving Cullman, AL, will provide you with the coverage you need when on vacation.

Rental Car Insurance Overlaps Your Auto Policy

If you read the fine print of your rental car agreement, you’ll see that the agency offers relatively the same type of coverage. You’ll find sections for liability, a loss/collision damage waiver that eliminates your responsibility to pay for repairs, personal insurance that pays for medical attention, and personal effects coverage that pays for personal items if someone breaks into the car and steals them. You don’t need rental car insurance if your auto policy has a liability, comprehensive, collision, and medical payments/personal injury section. Your homeowners or renters policy will cover any personal items damaged or stolen from the rental vehicle.

What Situations Call for Rental Car Insurance?

You need proof of insurance to rent a car, so if you don’t have a current policy, you’ll need the rental company’s coverage. Most personal auto insurance policies won’t cover damage if you rent a vehicle for work purposes. Your auto policy covers rentals in the United States. However, if you travel to another country, it may not. Check your policy before you go abroad, and buy the rental company’s insurance if needed.

Auto Insurance to Meet Your Needs

Renting a luxury vehicle may also require extra protection. The agents at Insurance Solutions Inc., serving residents in Cullman, AL, can evaluate your policy to ensure it does. Contact us for details.

The Future of Auto Insurance: Trends and Innovations to Look Forward To

If you’re in the Cullman, AL area and looking for excellent auto insurance options, you may also be thinking about what you’ll need for the future. Insurance Solutions Inc. can help you find the right policy now and understand the trends you want to be looking for. Not only can that improve your coverage, but it can also help you have more peace of mind.

Connectivity, Policies, and Trends

Connectivity is one of the biggest auto insurance trends. Many cars are already connected through Bluetooth and internet hotspots. Now, insurance is also becoming more connected. There are apps and online options, along with in-car and phone-based trackers, that provide information to insurance companies about driving history and habits.

That can lead to policy changes and help customers find more of what they’re looking for with insurance that truly meets their needs. But the best way to ensure these are all being used to your advantage is to work with a great agent you can rely on. That way, you’re getting all the information you need to decide what kinds of connectivity you want.

Another trend involves being able to file claims through online resources, with pictures and video of any vehicle damage along with other information. By uploading documents and other details, you can quickly and easily give your insurance agent what they need to start the claims process.

Work with a trusted agent before deciding on insurance or the new trends that are becoming part of it. If you’re in the Cullman, AL area, contacting us at Insurance Solutions Inc. is the right way to get the information and help you want for all your auto insurance needs.

Comprehensive Vs. Liability Auto Insurance and How to Choose

There are some significant differences between liability only and comprehensive auto insurance coverage. Our insurance agents at Insurance Solutions Inc. in Cullman, AL have the expertise to help you decide which type of coverage is best for your situation.

Liability Coverage 

  • Covers damage to other vehicles involved in an accident with you when you are at fault. This type of coverage does not cover your vehicle. This is referred to as property damage liability coverage, which is included in all liability policies.
  • It covers injuries to other drivers, passengers, pedestrians, etc., due to an accident in which you are at fault. This type of coverage does not cover your own injuries. This is referred to as bodily injury liability coverage, which is also included in all liability policies.
  • Liability insurance coverage is mandatory in virtually all states.

Comprehensive Coverage

  • It covers damage to other vehicles in an accident in which you are at fault and covers damage to your vehicle.
  • It covers injuries to other drivers, passengers, pedestrians, etc. in the case of an accident in which you are at fault and covers your injuries.
  • Covers damage to your vehicle outside of an accident, such as hail damage, theft, fire, vandalism, etc.
  • Comprehensive coverage is legally optional in all states. However, many lenders will require it if you have financed or leased your vehicle.

Factors influencing your insurance choice include whether you own, lease, or finance your vehicle, how often and far you drive your auto, and even where it’s parked at home and work. Call us today to speak to one of our agents at Insurance Solutions Inc. in Cullman, AL to determine which auto coverage is best for you.

Safe driving tips for Alabama

Driving is an integral part of everyday life, so it’s important to practice safe driving habits here in the Cullman, AL area, and everywhere. Here are a few tips from us at Insurance Solutions Inc. to help you stay safe while on the road: 

  1. Obey traffic laws – Ensure you know all local driving rules and laws. This includes following speed limits, stopping at stop signs and properly yielding when necessary. 
  2. Avoid distractions – Distracted driving is one of the leading causes of accidents, so it’s important to put away your phone, adjust your radio before driving, and keep your eyes on the road at all times. 
  3. Be prepared for sudden stops – Always leave enough space between yourself and other cars so that you have plenty of time to slow down if someone stops suddenly in front of you. 
  4. Take regular breaks – Sometimes, even the most experienced drivers can become fatigued after long hours on the road, so take frequent breaks if needed and get plenty of rest before getting back behind the wheel. 
  5. Check the vehicle before starting – Before hitting the road each day, check your vehicle’s oil levels, tire pressure, brakes, and lights to ensure that everything is working correctly and that you can drive to your destination safely. 

By following these simple safe driving tips, you can help reduce the risk of being involved in an accident or receiving a ticket. For more information, give us at Insurance Solutions Inc. a call today. We are proud to serve the Cullman, AL area. Drive safe!

Tips to Help Prevent Rust From Developing on Your Car

Rust can be highly damaging to your vehicle. It can weaken the metal, which can leave your vehicle more vulnerable in the event of a car accident. Here at Insurance Solutions Inc., providing auto insurance to the greater Cullman, AL area, we want to help drivers minimize the chances of rust from developing on your car. Here are some tips that can help you to do just that. 

Apply a Clear Coat To Your Car

One of the best ways to decrease the chances of rust developing on your car is to coat your vehicle with a clear coat. A clear coat helps to prevent water from coming in contact with metal, which helps ensure rust does not form. 

Repair Any Scratches or Scuffs

Another way to minimize the chances of rust developing on your car is to immediately repair any scratches or scuffs on your vehicle. Scratches and scuffs may seem minor, but they are one of the top reasons rust starts forming on a car. 

Remove Rust As Soon As You Spot It

Lastly, if you notice any rust on your car, you want to remove it with rust-removing products immediately. Rust will continue to spread and weaken metal if it is left to sit for prolonged periods. 

Following the steps above can help greatly diminish the chances of rust developing on your automobile. This can be important, as rust can weaken your car, which can be devastating in an accident. Having the right auto insurance is essential if you are in an accident. The team at Insurance Solutions Inc., serving the greater Cullman, AL area, would love to help you find the right auto insurance for your needs. Reach out to us today to get started. 

Is Basic Auto Insurance Sufficient?

If you purchase car insurance in Cullman, AL, you may easily be swayed to look at the cost aspect only. This one-sided approach will only land you at basic insurance that may fall short when hit with a significant threat. So, is basic insurance an option? Insurance Solutions Inc. tells you why you shouldn’t only settle for basic car insurance.

It’s never sufficient.

The law in Alabama requires you to purchase “25/50/25” liability coverage to protect you against liability claims. When you look at these amounts, you might think they are enough, but they barely protect you when faced with a significant claim. Basic car insurance protects you from non-compliance penalties and fines and offers little protection against considerable liability claims.

If you want optimal coverage, always buy a sufficient amount of car insurance. This way, you know your assets and savings are safe when facing threats.

It doesn’t cover you and your vehicle.

If you stick to the state-required car insurance, it only covers other road users, not you and your vehicle. For instance, if you are at fault for a car accident and you only have liability coverage, this policy will pay for the medical costs and damage to other people. Otherwise, your injuries and damage to your car aren’t covered.

If you want optimal protection with your car insurance, always look beyond the basic coverage. Consider coverage options, like:

  • Comprehensive coverage
  • Collision coverage
  • Medical payments coverage
  • Uninsured/underinsured coverage
  • Roadside assistance

At Insurance Solutions Inc., we recommend the above policies and advise you to get a sufficient amount to cover you optimally when in need.

Car insurance in Cullman, AL

Want to know whether you have the right amount of insurance? If you are in Cullman, AL, or a nearby area, please contact Insurance Solutions Inc. for personalized advice.

3 Important Considerations Before Buying Car Insurance

Did you get your first car? Are you potentially interested in switching to a new car insurance provider? Whatever the case may be, it is important to understand a few things that could have a direct impact on your coverage and premiums before sitting down with an agent at Insurance Solutions Inc., serving Cullman, AL.

Required Amount of Coverage

When it comes to coverage, everyone is not going to require the same amount. For instance, if you live in a large city where you park your vehicle on the road, you will want to ensure you have comprehensive coverage to cover vandalism and theft. However, if you live in the country, that type of coverage may not be necessary. If you are financing your vehicle, you will want to invest in a full coverage and possibly even gap coverage. If you have an older vehicle that is not financed, liability-only coverage that meets the state’s minimum requirements may suffice.

Number of Drivers

Anyone who lives under your roof, such as a spouse or teenager, or drives your vehicle regularly should be listed on your policy as a covered driver. In doing so, you are ensuring that the insurance company will pay for associated expenses in the event of an accident when that person is driving. It is possible that the claim will be denied if the person driving is not listed on your policy.

Purpose for Driving

If your vehicle is used for primarily work-related purposes, you may need a commercial policy that is designed to protect against events that occur while driving a car for work. If you have a standard auto insurance policy for simple consumer use and get into an accident while making deliveries or doing other business-related tasks, it is unlikely your personal auto insurance policy will cover the costs.

Insurance Solutions Inc., serving Cullman, AL, can help ensure you get the most appropriate auto insurance policy based on your coverage needs and budget. Contact us today.

Car in Storage? Can You Drop Your Auto Insurance?

The thought may cross your mind of putting your vehicle in storage while you go on an extended vacation, head out on a long-term business trip, etc. Since you will not be using your vehicle for a period of time, you may wonder whether you can drop your auto insurance. Whatever the reason and for however long, canceling your insurance is never a good idea. Insurance Solutions Inc., serving Cullman, AL, shares a few drawbacks to dropping your auto insurance coverage. 

Canceling Will Cause a Gap in Coverage

If you choose to cancel your insurance, a gap in coverage will be created. Unfortunately, this could deem you as a higher risk person to insure when you try to get insurance again. 

Your Vehicle Will Not Be Protected Against Various Accidents

If you do not continue to carry auto insurance on your vehicle, you will be 100 percent financially responsible for any damage that occurs to your automobile while it is in storage. So, let’s say you are storing your vehicle in the garage and a large tree falls on top of it during a storm, damaging the vehicle. Since you don’t have insurance coverage, you would need to pay out of your pocket for the auto repairs.

Canceling May Be a Violation of Your Insurance Policy Requirements

Depending on the stipulations outlined in your auto insurance policy or elsewhere, you may not have the option to cancel your coverage. For instance, if you are paying your vehicle off through a lender, it is likely a condition of your auto loan to have full coverage on the vehicle at all times, regardless of the circumstances. 

If you plan to store your vehicle for an extended period of time, canceling your policy may not be the best choice. However, you do have options in most situations, such as reducing your coverage. For more information, contact our insurance agents at Insurance Solutions Inc., serving Cullman, AL.

Important Facts Alabama Drivers Should Learn If They Are Traveling Abroad

Insurance Solutions Inc. provides coverage to Cullman, AL residents. We help our clients find policies that align with their individual needs. We are an independent insurance agency. We work closely with multiple carriers throughout the South. We hope to establish long-lasting relationships with our clients so that we can help them as their needs change over time.

Important Facts Alabama Drivers Should Learn Before Traveling Abroad

Auto insurance helps keep you safe on the road in Cullman, AL. Operating a vehicle is a high-risk endeavor, which is why you need the necessary protection. Auto insurance policies are generally divided between collision and comprehensive. Collision coverage protects you if you are involved in an accident with another driver. Comprehensive coverage protects you if your vehicle is damaged in unique ways. You are protected if your vehicle is stolen or vandalized. Perhaps you accidentally hit an animal or collide with an object. Maybe your vehicle is damaged by a fire or natural disaster. There are common cases where comprehensive coverage protects you.

If you plan to travel abroad, you’ll likely have to inquire about another type of coverage before your trip. It’s a good idea to visit the US Embassy to learn about the requirements to operate a vehicle in a specific country. Liability insurance is a basic requirement. Liability insurance covers your vehicle if you accidentally injure someone or cause property damage. Consider adding umbrella insurance as well. Umbrella insurance protects you if you are responsible for serious damages. If you plan to get a rental car in the country that you’re visiting, remember that each country has unique requirements.

Insurance Solutions Inc. Will Help You Protect Your Assets

Visit our website to learn more information about auto insurance.