Auto Insurance

Does Auto Insurance Cover Your Windshield?

Posted on by agentinsure

Here at The Owens Agency, LLC in Waldron, AR, one of the questions that we are often asked in relation to auto insurance is whether windshields are covered under an auto insurance policy. Here is a bit of information that you will want to know if you have this question. 

Windshields Are Included

Windshields are covered under your auto insurance policy. If a rock flies up and cracks your windshield or if it shatters due to a car accident, you can file an insurance claim and have the windshield repaired or replaced. However, many people are under the impression that they are not included as part of an auto insurance policy because often the cost of the deductible exceeds the cost of the windshield repair or replacement cost. In this case, it makes no sense to file an insurance claim, leading many to believe it is not covered. 

Windshields Can Have Their Own Deductibles

In some cases, windshields or auto glass has its own deductible. This deductible may apply specifically to your auto glass and is lower than your regular auto insurance deductible. This helps to make it easier for you to afford windshield repairs or replacement. If you are wondering if you have a separate deductible for auto glass, be sure to read your policy. If you do, it will be clearly stated. If you cannot find this information in the policy, it is because you likely do not have a separate deductible for auto glass or your windshield.

If you are in the market for a new auto insurance policy or are looking to price out policies with auto glass coverage, contact The Owens Agency, LLC in Waldron, AR today. We would love to put together a plan for you and provide you with an estimate. Contact us today to get started. 

 

3 Auto Insurance Myths to Stop Believing Today

Posted on by agentinsure

If you’re in the market for an auto insurance policy, one phrase comes to mind: "buyers beware." Although it seems fairly cut and dry, there are quite a few things to consider before purchasing an auto insurance policy. That said, the following is an overview of 3 of the top auto insurance myths you should stop believing ASAP.

If Your Car is Totaled Your Insurance Company Will Pay It Off

While many believe this to be true, insurance companies actually offer fair market value, which is drastically different from the value of the car. Therefore, for those who total a newer car, you may still be on the hook with regards to paying at least part of that loan.

Your Credit Doesn’t Affect Your Premium

While many believe your credit rating has no bearing on your insurance premiums, this is also false. In fact, most states allow insurance companies to access this information as a means of making their decision. 

Your Premiums Will Get Higher with Age

While many think a loss of mobility and other things that come with age are a good reason for rising premiums, the opposite is true. Given that older drivers are often more settled and experienced than younger ones, those over 55 years of age typically enjoy significantly reduced premiums and other perks. 

Overall, let The Owens Agency, LLC be your new insurance choice. Hailing out of Waldron, AR, we offer highly qualified staff, competitive rates, quick quotes, and much more. So, if you live or work in the Waldron, AR area, stop by The Owens Agency, LLC to find out how you can start your policy immediately and feel that sense of security.