Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

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Homeowners Insurance HOMEOWNERS

A standard policy insures the home itself and the things you keep in it.

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Flood Insurance FLOOD

Typical homeowners policies exclude flood damage. Get coverage now.

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Earthquake Insurance EARTHQUAKE

Earthquake claims are best covered with a standalone policy.

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Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

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Life & Health Insurance LIFE & HEALTH

Learn about different health coverage options that fit your needs.

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How to save money when buying auto insurance:

1. Shop around : Companies are in the business to insure drivers. Understandably they all want to insure good drivers and if you are one shop around to find the company that will offer you the best rate.

Drivers with some driving infractions should also shop around. All companies are not the same and you will find that some are more forgiving than others when it comes to insuring risky drivers. It does pay to shop around.

2. Avoid Over-Insuring: Depending on the value of the car you drive you may not need certain types of coverage, such as collision coverage for an old car. Some times drivers with older cars only need liability insurance. 

This protects you if you for injury liability to others but does not cover damage to your own car. There is no point in paying say a $1000 for collision coverage every year if your car is only worth about $1000.

3. Deductibles : If you want to reduce your insurance premiums then select a higher deductible. Go for a lower comprehensive deductible. Comprehensive coverage is for damages such as windshield replacements.

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Let Cliff Cottam Insurance do all the shopping to find you the best rates!  Call us at (800) 807-6871 or simply complete our Online Contact Us form and we will contact you.  You can also complete our auto insurance quote form.

Posted 11:17 AM

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