What Influences Car Insurance Rates?

Car insurance rates in Cullman, AL, are affected by a number of different things. There are demographic factors, as well as car-related factors, and insurers will look at your driving habits. Insurance Solutions Inc. can help you find the best rate based on your history.

Demographic factors include age, gender, marital status, location, and credit score. Men, especially younger ones, tend to have high rates of accidents statistically and older men have better accident rates. Married people usually have fewer accidents, so getting married can reduce your rate, especially if you have a clean driving record. Those who live in densely populated neighborhoods mean that more cars are on the road, so there is a greater chance of an accident.

The car you drive also affects your rate because some cars lack safety features, are more expensive to repair, or are more likely to be stolen. Insurers will look at the safety rating for the vehicle as well. The safety rating includes how likely a passenger is to get injured and how likely the owner is going to get into an accident. It also looks at different safety features, such as seat belts and traction control. Larger cars usually have good safety ratings because they are generally safer, but engine size also plays a role. The age of the car can play a role because older cars are more likely to be totaled in an accident.

While some of these items you can’t control, your personal driving habits are something you can improve that affects rates. Your driving history and activity is important. If you haven’t been in any accidents or received any tickets, then you may get a better rate. Sometimes your rate will be dependent on what you use your car for and the distance your drive. If you are on the road more, you may be more likely to get into an accident.

Contact Insurance Solutions Inc. serving Cullman, AL, to get a quote on auto insurance.

Insure Your Classic Car With Insurance Solutions Inc. in Cullman, AL

Do you own a classic car? If you do, then you need to insure your dream car against the dangers of the road, as well as the winter weather to come. Many car owners opt to put their car in storage during the cold months. This isn’t a bad idea, but did you know that your car may not be insured through your base level automobile insurance or homeowners insurance while it’s in storage. 

You need to act now to protect your classic car, and the best way to do that is to call Insurance Solutions Inc. in Cullman AL. The experienced staff at Insurance Solutions are well-trained and prepared to answer your insurance questions. In Alabama, your homeowner’s policy may cover your car if it’s parked in your garage, or if it doesn’t, your automobile coverage may help cover the costs. However, if your car is damaged or stolen while at a separate facility, you may be out of luck. That’s why you need to consider purchasing an extra layer of property insurance for your classic car. This added coverage will protect your car when it’s not on your property. You should also speak with the garage owner to make sure they have the proper levels of insurance. Many garages’ insurance policies will cover your losses, but only to a certain point. To make sure your car is fully insured, give a call to Insurance Solutions and find the policy that’s right for you. 

Stop by the Insurance Solutions location at 1331 3rd Street SE Cullman, AL. Or give them a call. You can reach them toll-free at 800-844-8726 or at 256-739-2329. Call today and see what they can do for you and your car. 

How is the Value of a Classic Car Determined in Cullman, AL

The agents of Insurance Solutions Inc. understand how important it is to properly insure your classic car in Cullman AL. There are several things that must be looked at simply because many of classic cars are extremely unique when it comes to parts and maintenance.  

Establishing A Fair Market Value

A fair market value means what the car is actually worth in terms of materials, time, effort, and antique value. It’s often based on what someone would be expected to pay if the car was sold at auction or on a car lot. 

Original Or Standard Parts

Many older models have parts that are no longer manufactured. To replace these parts, you may have to find someone who specially crafts them. A classic car rarely has a reportable "book" value because car and its parts are no longer sold on a regular basis.

Under Construction

You may be able to cover your car under a "classic vehicle" policy while you’re still in the process of it. This will depend on the underwriter of the policy.

Weekend Warrior or Daily Use

One of the major factors is how often you drive your classic car. If you use the car daily, you run a greater risk of damage. If you only drive the car on special occasions or haul it to show, the risk of damage is much lower.

If you live in the Cullman AL area and are looking for an insurance agent who offers policies on classic cars in various stages of restoration, call Insurance Solutions Inc. The agents at the office can take a close look at your vehicle and determine exactly what type of coverage best suits your individual needs. 

When to Contact Insurance Agency After Accident

In the event of an auto accident, timing is everything. From making sure everyone is alright to informing the police what happened, you need to follow through with several steps to make sure everything is properly taken care of. Eventually, you will want to contact your insurance agency to let them know of the accident. At Insurance Solutions Inc. we want to make sure everyone is safe in addition to receiving the proper insurance coverage. 

Make Sure Everyone is Alright

After the accident, make sure everyone is alright. Check your passengers and then go to the other vehicles involved in the crash. If anyone is seriously hurt call 911. If not, contact the police. They will ask if you need an ambulance for smaller injuries. 

Document the Scene

While you wait for the police, always document the scene. There is no such thing as too many pictures so snap away. This includes everything from skid marks on the road to the damage on your vehicle. It is also a good idea to take pictures of the insurance and driver information of the other driver. 

Contact the Insurance Agency

After talking with the police you’ll want to contact the insurance agency. The police will file a report with a case number. You’ll want to give this case number to your insurance agent as it provides additional information to your insurance provider. 

Whether you live in Cullman, AL or your accident takes place in the general area, you need to know how to contact an insurance agency after an accident. By following through with these specific steps, you’ll make sure everyone is safe while also informing your insurance company. If you have any additional questions regarding auto insurance claims, Insurance Solutions Inc. is here to help. 

What is a Multi Car Discount?

In the world of auto insurance there are tons of different discounts and benefits that you can get with your policy if you simply know what they are. For those that live in the Cullman, AL area, the agents with Insurance Solutions Inc. can help you determine what discounts you are eligible for and which you are not.

So what is a multi car discount? Put quite simply, you get a discount on coverage for the second, third, fourth, car on your policy. This means you pay a specific price for the first vehicle that you insure then you get to insure more vehicles for a discounted rate. It is sort of like when you purchase items from the grocery store and get a discount for buying multiple items. Essentially, the insurance company is giving you a discounted rate for having more than one car on your policy.

Having more than one car on your policy is going to save you money as opposed to insuring each car on an individual policy. This is a great way to have your entire home of drivers insured without having to have separate policies for each and every driver. Not all cars qualify for the multi car discount however.

First off, you have to be able to legally insure the car that you are trying to add to your policy. In many cases your name has to be on the title of the car that you are insuring. No matter the circumstance, a multi car discount is a great way to get cheaper premiums without sacrificing coverage. For those in the Cullman, AL area, the agents with Insurance Solutions Inc. can help you to find the multi car discount and the policy that work best for you and your drivers.

Myths About Auto Insurance

Auto insurance is something that many people think they understand but they may not have a full grasp on it. This is because there are many myths that people hear about it that they think are true. According to Insurance Solutions Inc. serving Cullman, AL, these are some of the top ones you may hear and the truths behind them:

  • Your Rates Increase As You Get Older. In fact, the opposite is true. As you get older, your rates should decrease. This is because many insurance companies see this as a sign of driving maturity and you may even be able to get an additional discount if you are 55 years or older.
  • If You Total Your Car, Insurance Will Pay It Off. This is a common misconception that can really get you into trouble at a later date. Auto insurance will pay for the fair market value of your vehicle which means that the original cost and any depreciation is taken into account when payouts are being determined. In a lot of cases, this amount is less than what you may owe on a vehicle and you will have to pay the difference.
  • Red Cars Cost More To Insure. This is a very common myth and generally the color of the car has no direct impact on the insurance rates. Rates are created based on the make, model, age, body type, engine size, age of the driver, the driving record of the driver, and their credit history.

In Cullman, AL, you need to have auto insurance if you are going to be driving your vehicle. To get a quote for auto insurance, be sure to reach out to Insurance Solutions Inc. They will work with you to help find the right policy and at the right price for your budget.

What Does Basic Auto Insurance Cover?

Insurance is something that many people have but have no idea what it covers. There is a wide range of auto coverage, and though you might think you have the right policy, it might not be all that you need. For those in the Cullman, AL area, the agents with Insurance Solutions Inc. can help you find the policy that is right for you each and every time.

Basic auto insurance, or liability insurance, covers a couple of different things. First, it covers a monetary pay out to the other driver for a specified amount of money. This is generally a set amount of around $10,000 per person involved in the accident. This helps pay for medical bills, deductibles for the other auto policy, and other pain and suffering that might be undertaken.

Liability insurance is the very least amount of insurance that you can have on your car and still be able to drive legally. You cannot have a liability policy if you still owe money on your car, you then need to have a full coverage policy. Your insurance policy not only protects the other driver but also any passengers that you might have in the car with you. It also helps pay for your medical bills, and you can get more from your insurance company if need be.

The basic policy is going to act as a safety net should anything happen and should you need to file a claim following an accident. Not every insurance policy is going to pay out $10,000, some policies pay more but most pay at least that amount. For those in the Cullman, AL area, the agents with Insurance Solutions Inc. can help discuss just what basic insurance coverage means and what you can do to get the perfect policy.

What Alabamans Need To Know About Insurance And Traffic Law

For the most part, buying car insurance and driving safely in Alabama isn’t so much different from buying car insurance in California, Georgia, New York state or anywhere else, but every state has its little quirks when it comes to insurance law and practices, so here’s what you need to know in Cullman, AL:

  • Alabama Minimums

The minimum required insurance in Alabama is $25,000 per person for bodily injury¬†and $50,000 total per accident for bodily injury. Bodily injury is the really important part of car insurance. Insuring your car is one thing, you can buy pretty much any level of car insurance you’re comfortable with on that front. The real purpose of mandatory insurance is to protect people who are seriously injured in car accidents.

  • Alabama Is Not A No-Fault State

No-fault states follow some provisions that are intended to simplify the legal process. Mainly, drivers are required to insure themselves, and their insurance companies cover them in the event of an accident. This is not the case in Alabama, so if you are in an accident and it is found to be the other driver’s fault, for instance, then you may need to pursue the other driver’s insurance company for compensation.

  • The Rear-End Driver Might Not Be At Fault In A Collision

If you rear-end someone because they slammed their brakes on without warning, then the courts may find that person at fault. In Florida, for instance, the rear-ending driver is automatically found at fault, but this is not the case in Alabama.

With adequate coverage and safe driving practices, Alabama is one of the greatest places in the world to go for a cruise. Contact Insurance Solutions Inc. for some free quotes.

Understanding Liability Auto Insurance in Cullman

Liability is a very nice word for certain people when it comes to picking out their auto insurance because it typically means that the person paying the policy will be paying a very decreased rate. However, there are certain factors to consider before you decide that liability insurance is for you. Insurance Solutions Inc. in Cullman, AL wants you to know more. 

The Straight Facts 

Liability will not cover your own car should it be damaged during an accident or stolen, meaning you’re on the hook for all of the repairs or replacement as well as the rental car while you work to get your damaged car back on the road. For those who drive very inexpensive cars, it can make sense to do liability only because the costs will still be low. However, that still means an added expense of trying to find a new car or paying out of pocket to the mechanic. It may be the best choice for some people, but for many those expenses in the event of an accident end up being more than it would have cost to get liability. 

What You Can Do 

You may want to consider getting additional coverage instead to ensure that your car stays functional regardless of what happens. There are a variety of policies that you can request, depending on what is most relevant to you. For example, if you live on a street where car theft happens to be common, then you can add on theft coverage. Or you may want to add coverage if an uninsured driver hits you. Fortunately, Insurance Solutions Inc. in Cullman, AL can help you navigate the choices, so call us today if you’re looking for a quote for a new policy. 

Cullman, Alabama Families Can Use These Tips to Help Their Teen Drivers

A city built on heritage, Cullman, Alabama has the type of southern charm and hospitality that makes it a great place for families. But every family has to deal with one fact of life sooner or later- teen drivers. Letting your teens behind the wheel can be both an exciting and scary time, but here are some tips to help you during the whole experience.

Review and Ride

Even if they’ve passed their test with flying colors, ride with your teen driver the first few times. As an experienced driver make sure they remember all the things they learned for the test and that they practice those things often. If you’re in the car with your driver, they’re much more likely to focus than if they were alone with their friends.

Set Rules and Enforce

Not only do you need to set the rules, you need to make sure there are punishments for breaking them. There are special keys you can use to set a speed limit on the vehicle, and you can always take the keys until your teen shows they understand what they did wrong.

Check Your Insurance

Even with the best tips and practice, accidents still happen. Alabama follows the tort system, which means you need specific types of coverage to be safe. If you’re concerned about whether you have the right insurance to cover your teen, you can check your options with your local Insurance Solutions Inc. agent to compare quotes and find the protection you need so that you protect your teen and your family. Also, make your teen part of the process, so they understand the responsibility that comes with their driving privileges.