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Three frequently asked questions about auto insurance coverage

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It’s important to learn as much as your can about auto insurance options when you’re shopping for the right policy in Dadeville, AL. At Highpoint Insurance Group, we can answer all your questions about insurance policies for your vehicle.

The following are three frequently asked questions about auto insurance coverage. 

How much coverage should I buy?

Investing in the right amount of coverage is important for protecting yourself financially.

There are some minimum coverage requirements that you need to meet to drive legally in Alabama. In Alabama, these minimum coverage requirements include $50,000 total liability coverage per accident and $25,000 total in property damage coverage. 

Also, it’s a good idea to invest in added liability coverage, collision coverage, and comprehensive coverage. 

What steps should I take to find a policy?

There are a lot of auto insurance options out there. Finding the best policy for your needs is important. It would be best if you researched your options before selecting a policy. 

Some important steps in choosing a policy include determining your coverage needs and getting multiple quotes. It’s important to also acquire quotes from a few different providers before selecting a particular policy. 

How can I reduce my insurance costs as a motorist?

Insurance costs can be a significant monthly expense for motorists. However, motorists can get discounts on their auto insurance in several ways. 

Possible auto insurance discounts include discounts for good driving records and good student discounts. Vehicle owners could also qualify for discounts by taking part in drivers’ safety classes. 

It’s important to put some research into discount options to get the best possible price on auto insurance coverage in Alabama. 

Do you have more questions about auto insurance in Dadeville, AL? Get in touch with us at Highpoint Insurance Group to find the answers that you’re looking for. 

Why should someone get a boat insurance plan in Kansas?

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People that are all over the Overland Park, KS area should look for ways to enjoy the nice summer months of the year. A great way that you can do this is by getting a boat. When you are in the market for your own boat here, you should get a boat insurance plan. There are a few reasons that someone here should get this type of coverage for their boat. 

They Want to Comply with Local Rules

People will want to get a boat insurance plan so they can comply with local rules. Anyone that wants to use a boat in Kansas should check to see if their local marina or waterway requires you to have insurance. In many cases, having insurance is a necessity to use the local area. If you do not have coverage, you could be restricted from use. 

They Want Coverage

Even if you do not need to have insurance per local rules, having coverage is still valuable. With a boat insurance plan, you will receive coverage that could be used to repair or replace your boat if there is an accident or it is stolen. You will also receive valuable liability insurance coverage, which could provide you with peace of mind while out on the water. 

If you are looking for a new boat insurance plan in the Overland Park, KS area, you may find there are a lot of options and decisions to be made. You can ensure you make a good choice by working with HighPointe Insurance Services LLC. The team with HighPointe Insurance Services LLC understands how valuable it is to have proper boat insurance coverage. We can help by answering your questions and finding you an appropriate policy. 

Who should get home insurance in Alabama?

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The Dadeville, AL area has continued to be a great place for people to own a home. If you are going to purchase a home here, you will want to know that it is protected. One of the best ways that anyone can easily protect their home is by getting home insurance. There are many situations when getting a home insurance policy will be a good idea for people in this area of Alabama. 

Those that Want to be Protected

One situation when someone should get home insurance for their property is when they want to be protected. There is no better way to protect your valuable assets than by getting home insurance. When you get this type of coverage, it will provide you with the protection needed to repair or rebuild your property if it is damaged. Additionally, you can receive coverage to repair or replace your personal assets and give you liability protection. 

Those Looking to be in Compliance

You should also get home insurance if you want to comply with all of your obligations. Those who take out a mortgage or live in a home association will have different home insurance requirements. When you get the right coverage, you will be able to stay in compliance with these obligations. 

If you are going to purchase a home in the Dadeville, AL area, you should call the Highpoint Insurance Group team. Many factors need to be considered when looking for a new home insurance plan. If you are looking for a new policy here, it would be wise to call Highpoint Insurance Group as they can offer you the services needed to understand your needs and options. This will ensure you pick a policy that properly protects your home. 

What type of vehicle is considered a classic car and what are the benefits of classic car insurance?

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Most drivers carry car insurance designed for non-classic cars. In other words, these cars are usually driven daily and tend to be less than fifteen or twenty years old. As a result, many people may not be aware of what classic car insurance is and which cars would be classified as classic. Our team at Highpoint Insurance Group in Dadeville, AL understands that many people don’t fully understand classic car insurance, and more detail may be needed to create understanding. Alabama residents who own cars that might be considered classic can benefit from exploring this type of insurance and all that it provides. 

What is a Classic Car?

A classic car is a car that is at least nineteen years old, in mint condition, and of greater value than other cars of the same age make and model. Typically, classic cars are between twenty and forty years old. However, the age of a classic car is often debated, with some people considering a classic car to be ten years old or older. Classic cars are not usually used on a daily basis and typically driven 2,500 miles a year or less. 

What is Classic Car Insurance and What Are the Benefits?

Classic car insurance is designed to cover classic cars that fit the above-listed description. However, classic car insurance differs from regular insurance. Regular car insurance is designed for cars that are driven daily. If you have an accident as a daily driver your car is assessed at its current value. Classic cars are insured for their agreed-upon value at the time the insurance was started. If you have an accident, you will receive the total agreed value of the car. Classic cars can only be driven 2,500 miles or less per year. As a result, insurance for classic cars tends to cost less. This is because the car isn’t driven daily, and the car’s condition is usually well beyond average. Insurers also assume that classic car owners are going to be more careful than average and that the car will be well maintained.

Other Considerations…

Drivers should also note that classic insurance companies often have rigid guidelines and standards. For example, some companies may require classic car owners to submit annual odometer readings if there are strict annual mileage requirements. In general, the perception is that cars driven infrequently pose less of a risk for accidents and damage. We’re here to answer any and all questions you may have about classic car insurance. Give us a call. 

 

Why should I get renters insurance?

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Anyone moving to the Dadeville, AL area will have many different housing options to choose from. One great option to consider would be to rent a home. Those that rent do not have nearly as many responsibilities as property owners and will have more flexibility. However, those that rent an apartment or other home still need to consider their insurance needs. There are several reasons why someone should get a renters insurance policy. 

Insurance is Required Under Lease

One reason you will need to get a renters insurance policy is that it will be required in your lease agreement. Any sophisticated landlord will have a provision in their lease that requires all tenants to get a renters insurance policy. They want tenants to have this coverage as it helps to mitigate some risks that come with being a landlord. In many cases, you will have to pay for a year’s policy up front before moving into your new home. 

Insurance Gives Important Protection

Another reason that you should get a renters insurance policy is that you can receive valuable coverage. Whenever you rent a home, there is going to be a chance that you could be found liable for an accident that causes bodily injury or property damage. The best way to mitigate this risk is by getting renters insurance, as it will include liability coverage. This insurance also protects your personal belongings. 

If you are going to rent a home in the Dadeville, AL area, you need to consider your insurance needs. The team at Highpoint Insurance Group can help you better assess your renter’s insurance needs. Highpoint Insurance Group will help you understand your needs and options, which will make it easier for you to pick an ideal policy. 

A Step By Step Look At The Benefits Of Motorhome Insurance

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Highpoint Insurance Group serves the Dadeville, AL community by offering residents multiple types of insurance policies. We strive to help our clients find the insurance coverage that will help them prepare for all of life’s needs.

Understanding Motorhome Insurance

Many people in Dadeville, AL enjoy traveling around the South in their motorhome. If you own a motorhome, it’s important that you have coverage while you are traveling around exploring new areas. Inquire about the benefits of motorhome insurance. Motorhome insurance covers you if you are involved in an accident and your vehicle suffers damage or hits an object. You can also amend your policy to cover your motorhome while it’s in storage so that you will be protected if it is vandalized or stolen.

If you are traveling with family and friends, liability coverage will protect you if they are injured while traveling in your motorhome. If you are attaching an accessory to your motorhomes such as a satellite dish, travel trailer, or fifth wheel, you can add extra coverage to protect those items in the event that they are stolen or if you are involved in a potential issue.

Accidents happen while you are on the road. Motorhome insurance will cover you if your home suffers a serious issue, such as engine failure. You can receive roadside assistance, and you will also be covered if you have to seek lodging elsewhere while your motorhome is being repaired.

You’ll also be covered if your home is damaged by a natural disaster, severe thunderstorm, or fire. The locations where you are driving your motorhome can also impact your policy. If you plan to explore more urban areas, your policy will look different than driving through rural areas.

Highpoint Insurance Group Will Help You Cover What Matters Most

Visit our website to learn more information about motorhome insurance.

What are the reasons to get a motorcycle insurance policy?

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Those that are in the Alexander City or Dadeville, AL area will need to own some form of a vehicle to get around town. When you are looking for a new vehicle here, you should consider getting a motorcycle. These vehicles are ideal here due to the warm weather and the fun and efficient mode of transportation that they provide. When you are looking for a motorcycle, you should also consider your motorcycle insurance needs. There are several reasons to get this coverage. 

Protects Against Liability Risk

A primary reason that you should get a motorcycle insurance policy is that it can protect against liability risk. Those that are looking for a motorcycle and want to use it regularly are going to run the risk that they will cause an accident. If this does occur, you could be liable for the damage. A motorcycle insurance policy will give you coverage to limit this risk.

Covers Your Motorcycle

Getting coverage for your motorcycle is also a good idea because it will give you coverage for the asset. If your motorcycle is damaged in an accident, stolen or vandalized, the costs to repair or replace it can be significant. Fortunately, you can protect yourself by getting a full motorcycle insurance policy that will provide you with the insurance support you need. 

As you are looking for a motorcycle insurance policy in Alexander City or Dadeville, AL, you should speak with the insurance team at Highpoint Insurance Group. There are a lot of choices that need to be made when you are looking for insurance. As you are shopping for a new policy, all of your questions can be answered by the Highpoint Insurance Group. The team here is able to take a personalized approach to ensure you choose the right policy. 

When is boat insurance a good investment for a boat owner?

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When you live in the Dadeville, AL area, it is smart to purchase a boat if you want to have a good time. This area of the state tends to stay very warm for most of the year, and owning a boat can help you beat the heat. If you are going to purchase a boat here, you should also consider getting insurance for it. There are several situations when getting boat insurance is a good investment for a boat owner.

When Looking to Protect Investment

One situation when getting boat insurance is a good idea is when you are looking to protect your investment. Purchasing a boat is always a significant investment. If the boat is ever damaged or stolen, you will need to come out of pocket to pay to repair or replace it. However, if you have boat insurance, you will have the coverage you need to offset this expense.

When Looking to Comply with Requirements

You may also need to invest in a boat insurance policy when you want to comply with all requirements. There are several situations when having this insurance is a requirement, which could include when you have a loan or want to use certain waterways. With a boat insurance policy, you can remain in compliance with these requirements. 

When you are looking for a boat insurance policy in the Dadeville, AL area, it would be a good idea to speak with the team at Highpoint Insurance Group. Picking a boat insurance policy can be a complicated process. If you talk with the team at Highpoint Insurance Group, you can receive the guidance and support that you need. This will help to ensure that you get into a policy that offers the right protection for your situation. 

How much umbrella insurance should you buy if you are a property owner

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While it is always better to be over-insured than underinsured, carrying too much umbrella insurance is not a wise financial decision. Umbrella insurance typically covers the standard things that other basic policies cover, which means that it cannot be used independently as a coverage. If you are looking to buy extra liability or umbrella insurance in Dadeville, AL, it is essential to understand how much coverage you need. At Highpoint Insurance Group, we are here to take you through the insurance journey and help you make smart insurance choices.

Assess your level of liability risk

Today’s complex society is quite litigious. That means that you are exposed to a wide array of lawsuits as a property owner. Since umbrella insurance focuses on providing extra liability coverage, you need to determine your level of need for liability. Lawsuits can be expensive in Dadeville, AL. They can quickly wipe out your savings and monthly earnings, leaving you bankrupt. So, which other factors should you consider when assessing your liability risk as a property owner?

  • if you drive a fast car
  • you have employees
  • you are involved in extreme sports or highly risky sports
  • you have a working spouse 
  • you have children below the age of 16
  • you are a homeowner
  • you have teenagers in your home
  • you have other businesses 

Your need for umbrella insurance may go down if you have higher premiums on other policies

Note that if you have bought enough coverage on other policies, the chances of ever using umbrella insurance becomes minimal. Remember, you can only use this coverage if the underlying home or boat insurance policy is used and depleted. Additionally, if you own rental properties, you are at a higher risk of getting sued. 

Umbrella insurance is an all-round kind of coverage that can protect you from a wide range of lawsuits, whether at your property, home, or on the roads. If you are still not sure how much insurance you need to buy, feel free to talk to us at Highpoint Insurance Group today!

Protecting Your Car From Rain and Pollen Damage

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As the Summer season approaches in Alabama, layers of yellow pollen can be found everywhere, including your car. At High Point Insurance Group, we want to make sure that you know how to protect your vehicle from rain and pollen damage.

Wash Your Car First

Despite the pollen and rain coming down, it is critical to wash and wax your car. A good wash will remove the pollen that has fallen into corners on your car. When you wash your car, make sure to use soap and water, so that any debris and pollen are removed from the exterior of your car. Attempting to remove pollen without soap will cause scratches on your car and can diminish the overall value.

Wax Your Car

After you have washed your car, a protective coat of wax is critical during the pollen season. If there are any cracks in your paint, the pollen can get into it and become a permanent fixture. With wax, your exterior coat is protected from damage. Also, it protects the rain from leaving stains on your car and breaking down the paint.

Replace Cabin Air Filter

At the beginning of the season, you will want to have your cabin air filter replaced. This filter keeps the pollen and any debris carried by rain from coming into the cabin of your car. This keeps you driving safe and protects the interior.

Get Ultimate Coverage With Auto Insurance

If you live in or around Alabama, our team is here to speak with you about any questions you have regarding auto insurance. Feel free to use our online rating tool or give our agents at High Point Insurance Group a call today. We look forward to hearing from you soon.