At Knutzen Insurance Group, we treat all of our customers as if they are family. We make sure that your insurance policy fits your individual needs and provides the level of protection that you deserve. Our high standards for excellent service make our customers feel that we stand behind them every step of the way. Our 24 hour customer support is available 365 days a year, leaving no customer concern unanswered. Let us protect the things that you have worked so hard for and see how affordable that important protection truly is.
Areas Served:
Frisco TX, The Colony TX, McKinney TX, Allen TX, Plano TX, Denton TX, Carollton TX, Grapevine TX, Richardson TX, Garland TX, Flower Mound TX, Farmers Branch TX, Irving TX, Bedford TX, Arlington TX
Licenses / Credentials :
• Licensed in Property and Casualty Insurance
• Licensed in Life and Health Insurance
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Frisco Auto Insurance: Staying Insured in Tough Times
In these tough economic times, everyone's looking for ways to cutback. For most of us there are areas where we could reduce our spending to save a little extra cash, but auto insurance shouldn't be one of them. Cutting back on auto insurance may seem like a quick solution, but it's really just a short term gain that could end up costing you big time. What if you're in an accident and have no coverage for medical expenses? Don’t let your insurance policy lapse without talking to a qualified Frisco auto insurance company.
Your auto insurance policy is there to protect you in the case of an accident. It helps to cover your expenses, should you be injured or need repairs on your vehicle after an accident. If you are found liable for a vehicle accident, your insurance can provide protection in the case of a lawsuit. Clearly cutting back on your auto insurance, even if it means a short term savings, is not an option. If you drive, auto insurance is a necessity. More importantly, it’s the law. Contact your auto insurance company to discuss practical ways to save money on your insurance rates.
Frisco Auto Insurance: How Much Coverage Do You Need?
If a tight budget has you rethinking your expenses, maybe it’s time to go over your policy with your Frisco auto insurance agent. There are a number of things you can do to ensure you’re getting the best auto insurance coverage for your dollar. Keep in mind that every person’s circumstances are different, and what might be right for someone else’s coverage might not work for you. You can weigh your options, and maybe find some savings, if you take the time to go over your policy with your Frisco auto insurance carrier.
The first thing you need to do is determine how much auto coverage you actually need. There are minimums that the law requires you to carry. You must maintain bodily injury and property damage coverage, but the required minimums on these are not enough to offer real protection. If you are found to be at fault for an accident and the other party’s damages or injuries exceeds your coverage, a potential lawsuit could put your home and personal possessions at risk. The Frisco auto insurance agent can advise you on exactly how much coverage you need.
Frisco Auto Insurance: Finding the Savings
Once you and your Frisco auto insurance agent have determined what coverage you should carry, you can then look at some of the optional things you may not need. Ask about rental car coverage. If your policy coverage includes the cost of a rental car, it can add to the cost of your insurance. Again, this will depend on your particular needs. If you can do without a rental vehicle, you could save on the cost of your premiums by eliminating it. Ask your Frisco auto insurance agent what things you can drop from your coverage and still be adequately insured.
What kind of car do you drive? If you have an older vehicle, you might be able to drop your collision coverage. If your car is only worth a few hundred dollars, it could be costing you more in yearly insurance rates than the total value of your car. Plus, older vehicles are usually less expensive to repair. Keep in mind this is only for the collision portion of your policy. No matter the year of your vehicle, you still need to have the basic required coverage. A qualified Frisco auto insurance company can help you crunch the numbers on the age and value of your particular vehicle to see if you can save some money.
Ask your Frisco auto insurance agent about taking a higher deductible. The deductible is the part of the repair expenses that you will have to pay up front before your insurance carrier will cover the remainder of the damages. One of the simplest ways to keep your auto insurance rates down is to increase the amount of your deductible. By accepting a higher deductible you could be saving a considerable amount of money annually. But you will need to make certain you’ll be able to afford the higher deductible if you should ever need to make a claim.
Frisco Auto Insurance: There for You When You Need Help
Another possible way to find some substantial savings on auto insurance is to find out if there are any discounts available from your Frisco auto insurance carrier. Ask about a discount if you purchase more than one type of insurance from the same company. Get all your insurance from one company and save money at the same time. A good example of this is buying your homeowners’ or renters’ insurance from the same company that handles your auto insurance. Ask your Frisco auto insurance agent about this option.
There are a number of other discounts that may be available from your Frisco auto insurance company. Are you an infrequent driver? Ask about discounts if you’re a low-mileage driver. Less time on the road means there's less risk of an accident. Are you over 55 years old? Ask about senior driver discounts. Mature drivers are typically more responsible drivers. Sign up for a driving safety course. Taking a course can help you improve your driving safety awareness and save you a little money in the process. Talk with your Frisco auto insurance carrier about the discounts they may offer.
Just because times are difficult, you shouldn’t be without the necessary things in life. If you drive, you need auto insurance. The risk of driving without it can greatly overshadow any money you think you might be saving. Discuss your situation with a qualified Frisco auto insurance agent. He’s there to help you find affordable solutions. Not everyone’s circumstances are the same, but there are steps you can take. If you’re feeling the pinch of these hard economic times, talk with your Frisco auto insurance carrier. He or she can help you find ways to save on your auto insurance and possibly ease some of the stress on your budget as well.