5 Facts Every Driver Should Know About Auto Insurance

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1. Higher Deductibles Mean Lower Premiums

Insurance companies set pricing based on the amount of money they believe they could have to pay. Consequently, if you agree to pay a higher portion of any damages by raising your collision and comprehensive deductibles, then you’ll be rewarded with a lower premium. If opting for this route, be sure you can comfortably afford to pay the higher deductible.

2. Your Car Makes a Difference

Many insurance companies use statistics from the Highway Loss Data Institute to set prices. For instance, if you drive a costly vehicle to maintain or are more likely to be stolen based on historical data, your premium will likely be higher. 

3. Safe Driving Matters

Drivers that do not have any claims on their policy history nor tickets from law enforcement will be rewarded with lower rates. 

4. Ask About Discounts

Even where you went to college can help you save money if that institution has an alumni discount with your insurance broker. Most insurance companies offer discounts for paying your policy in full, using electronic payments and not paper checks, car safety features like anti-theft devices, and a clean driving record. 

5. Credit Score Matters

The lower your credit score, the higher your policy premium may be because insurance companies will deem you as riskier to insure because of the risk that you won’t pay your policy premium.

At the Marla Williams Agency in Kansas, our knowledgeable and friendly team of insurance professionals is ready to assist in finding you the perfect auto insurance policy for your needs. Working across our network of reliable insurance companies, you can feel confident that we’ll find a policy that meets your expectations within your budget. Give us a call today to learn more.

Do businesses in Kansas need commercial insurance?

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In Kansas, there is a range of cities that can offer a small business a great place to establish and grow. For those looking to develop a business here, there are a lot of great opportunities to take advantage of. However, some risks come with owning a business as well. Fortunately, many of these can be mitigated by a commercial insurance policy. There are several reasons why you may need to get this for your business.

To Remain in Compliance with Stakeholders

One of the reasons that you will need to get commercial insurance for your business is that it could be needed to comply with various stakeholders. Any lender, investor, landlord, or other stakeholders in your company will want to ensure that your business, and their investment, is properly covered and protected. A great way to do this is by requiring your company to get commercial insurance as it offers valuable coverage. 

To Comply with State Laws

While you may be the only person that works for your company, eventually, you will grow. When this occurs, you will need to make sure that your team is covered and protected. A great way to do this is with workers’ compensation insurance, which protects if an employee is hurt while at work. In this state, you are required to have this coverage as soon as you hire an employee. Not complying with the law could result in a penalty.

When you get insurance in Kansas for your business, you should call the Marla Williams Agency team. The team at the Marla Williams Agency can give you the support you need to choose a policy. This will ensure your company is properly protected. 

Why should I get home insurance in Kansas?

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In Kansas, there is a range of communities all over the state that offer you plenty of professional and personal opportunities. These communities include large cities, small towns, and everything in between. If you are going to move here, you should think about purchasing your home as it will offer you a range of different benefits. If you do choose to purchase a home, you also need to get proper insurance. There are several reasons why you should get this coverage.

Insurance Provides Valued Protection and Coverage

One reason you should get home insurance when you buy a home here is to provide you with valuable coverage. A full home insurance policy offers a range of different forms of coverage. This includes coverage for your dwelling and personal belongings, as well as your liability protection. All of these insurance forms could provide you with valuable protection if your property is damaged or you incur a liability claim.

Insurance is a Requirement

While having coverage is a good idea in any situation, there are also many scenarios in which having coverage is a requirement. Most people in this state are going to be required in some fashion to carry home insurance. If you live in a community with a home association, there are bound to be insurance requirements. Additionally, any mortgage lender will have specific insurance rules.

When you look for insurance for your home in Kansas, you should call the Marla Williams Agency. The Marla Williams Agency team can give you a lot of advice to help you find a home insurance policy that is right for you. This will ensure that you are properly covered and in compliance with all obligations.