Auto insurance adjusters and agents are critical in the insurance industry, but the two have different roles. Below is an overview of their respective roles.
Agent Roles
Your insurance agent is the salesperson who helps you buy coverage and maintain your relationship with your auto insurance company. A captive agent works exclusively with one insurance company and cannot help you with other companies' policies. An independent agent works with multiple insurance companies.
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NerdWallet calculated that the national average cost for full coverage for a good driver with good credit in April of 2023 came to $2148/year or $179/month. Drivers with accidents or a DUI on the record or poor credit will likely pay even more. When the costs become too much, you can try these 4 tips for saving money on your car insurance policy.
1. Bundle Multiple Policies
Many insurance companies offer multiple types of insurance policies to cover all of your insurance needs, including homeowner's insurance, renter's insurance, boat insurance, and commercial insurance.
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Auto insurance is available in several forms. Analyze your insurance needs and choose the best that meets your needs. Below are three forms of car insurance to consider if your insurance needs are unconventional.
1. Non-Owner Insurance
Conventional car insurance is only necessary for people with cars. However, insurance companies know that even those without cars may drive and experience accidents. The insurance industry has come up with non-owner car insurance for such people.
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If you own a car, you'll want to know how much you will likely spend on auto insurance coverage. In addition, understanding how to calculate the cost of your automobile coverage policy is important as you renew your auto insurance. Several insurance calculators are available to help motorists determine the required amount. However, their reliability and usefulness depend on your understanding of how they work. For this reason, check out the piece below to understand important facts about insurance calculators and how companies arrive at a certain figure.
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Trucking accidents can occur on the road or when a big rig is being loaded and unloaded. If you are opening a trucking operation, it is time to seek insurance options that will adequately protect you, your trucking employees, and anyone who you do business with.
A Requirement
As a trucking business owner, it is your responsibility to ensure that your vehicles are properly insured, your drivers are insured, and your business itself is insured.
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