For many college students, this is the first time in life that they are making their own insurance decisions. If you are a college student and you want to make the best decisions about your auto insurance policy, Don Allred Insurance understands your needs. These tips will help you choose a Burlington, NC insurance policy that meets your needs.

Learn the Basic Terms

It is important that you first learn the basic terms associated with auto insurance. You need to know the different types of coverage options and what they cover so that you can buy a policy that benefits you. This means you need to understand liability insurance, which covers damage you cause, and comprehensive insurance, which covers damage to your car not caused by driving.

Consider How Often You’ll Use Your Car

Many new college students overestimate how often they will use their vehicles. You may be able to save money by choosing a policy that assumes you will be leaving your vehicle at your parent’s house throughout the school year, for example.

Ask Your Insurance Agent About Student Options

For many students, getting good grades can pay when it comes to car insurance. Make sure to ask your auto insurance professional about any options that are specific to college students, as they may help you decide which policy is right for you.

When you do need to find the right auto insurance for your needs, Don Allred Insurance will be there for you. We help many Burlington, NC students and drivers find what they need. Contact our office today to learn more about college students and auto insurance.

If you have a loan on your vehicle, you may have noticed that there are certain types of auto insurance policies you are required to have. Many people aren’t sure why they have to provide more coverage simply because they have a loan on a vehicle, but the truth is that this coverage can provide benefits.

So, why do you have to have more coverage if you have a loan? Don Allred Insurance, which helps many drivers in Burlington, NC, can help you understand the insurance policies you benefit from.

Lenders Have Risks

Lenders often require more coverage for vehicles with loans because the lender is taking on more risk. The lender puts up the money, and they have a vested interest in ensuring that they recover either the loan payments or the vehicle in the future. If the vehicle is wrecked, they will not be able to recoup their funds.

Coverage Requirements

If you have a loan on your car, there are a few types of coverage options that may be required. You may be required to carry comprehensive insurance as well as collision coverage to ensure that your vehicle is completely covered in the case of an incident.

Insurance Helps You Too

It is also important that you understand the benefits insurance has for you as well. You may also benefit from gap insurance, which helps you cover that loan even if your car is totaled.

Learn More About Insurance Requirements

Don Allred Insurance understands that you may have questions about car insurance and loan requirements. If you live in Burlington, NC, call our insurance agents to learn more about your insurance options even if you have a loan on your car.

Like other states, North Carolina has its own state laws in regard to how much insurance coverage its drivers must have. The amount required for many of these by the state is low when compared to many other states, so it may be a good idea to get more than the state requires in order to be better protected. If you need auto insurance, call us at Don Allred Insurance in Burlington, NC to find out more. 

Bodily Injury Liability 

This coverage is required in order to pay for injuries that are done to another person, or people when you cause an accident. There is a mandated minimum amount for one person who is injured and another minimum amount for everyone who is injured in the accident. 

Property Damage Liability

This coverage comes with its own mandatory minimum amount. This coverage pays for damage to someone else’s property that is done when you cause an accident. 

Uninsured Motorist Coverage

The state mandates that drivers carry uninsured motorist bodily injury insurance so that their injuries can be paid for if the accident was caused by a motorist who is uninsured. This coverage comes with a set amount for one person who is injured in an accident and another amount that is for everyone who is injured in it. There is also uninsured motorist property damage coverage required. This pays for the damage to your property that is caused by an uninsured driver. 

All of these coverage types are important for staying legal on the road, and they are also helpful in case the worst should happen and there is an accident. Talk to your insurance agent if you are interested in getting more coverage than is required by the state. 

Get Auto Coverage

If you drive in North Carolina, it’s vital that you have these coverages in place. Give us a call at Don Allred Insurance in Burlington, NC.

Don Allred Insurance is here to help our clients in Burlington, NC with all of their insurance needs. If you’ve recently purchased a new car, it’s a perfect time to meet with us and explore your auto insurance policy options.

Protect your new car

Outside of buying a home, a car purchase is many people’s largest expense. If you’ve recently purchased a new car, you will want to protect your investment. With comprehensive auto insurance, you can feel confident that you have the protection you need to weather almost any storm.

In the event that you’ve secured financing for your vehicle, your lender may have required coverage limits that you must meet. However, when determining the appropriate level of coverage for your situation, you don’t need to consider those requirements as maximums. A comprehensive auto insurance policy can provide the protection that you need above and beyond what your lender requires.

With a comprehensive policy, you can have the coverage you need for collision insurance, medical expenses, and liability. When choosing your insurance, be sure to consider your overall needs rather than just your budget.

An experienced agent can walk you through your options and provide the information necessary to make an informed choice. Auto policies have a lot of different features, and it is worthwhile to take the time to review all of the available options. 

We are here for you!

Residents in Burlington, NC and the surrounding area can count on Don Allred Insurance. Give our office a call today and schedule an appointment to discuss the policy options that are available to protect your new car!

Don Allred Insurance and his team in Burlington, NC are here to help you with all of your insurance needs. If it’s been a while since you have had an agent review your auto insurance policy, we recommend that you make an appointment today.

What to look for when reviewing your auto policy

• Do you have the level of coverage that you need? As our lives change, so do our insurance needs. If you’ve recently changed jobs and your commute is now significantly different, it may affect your policy.
• Is your car paid off? When you financed your vehicle, your lender may have had stipulations in place for coverage levels. Now that you own your car outright, it’s worth it to take a closer look at your policy to see that it meets your current needs.
• Are you taking advantage of all the available benefits? Today’s auto policies offer a host of features and add-ons that can be worth adding to your policy. For example, if you are a safe driver, considering a Vanishing Deductible feature is a smart move.

These are some of the reasons why it makes sense to review your policy on a regular basis. Sitting down with your local agent at least once a year can help you stay on top of your insurance portfolio,

Set up your appointment today!

The Don Allred Insurance team is here to serve the insurance needs of our Burlington, NC area friends and neighbors. If you are looking for assistance with your insurance, call today! Schedule your appointment and let us help you manage your insurance needs.

Collision coverage is often overlooked as part of a solid insurance coverage plan, but that does not mean you should avoid buying a policy for your vehicle. In fact, Don Allred Insurance can help you find a good collision coverage policy in Burlington, NC.

If you are shopping for a solid collision coverage policy, here’s what you need to know about your policy.

How Collision Coverage Is Used

Collision coverage is a type of policy used to repair or replace a vehicle following damage from another vehicle, damage caused by colliding with another object, like a fence, or a vehicle rollover. Often, this type of insurance is used when another driver is not involved or when the other driver’s insurance cannot cover your damage.

How Collision Coverage Is Not Used

There are a few things that collision insurance does not cover. For example, collision coverage does not cover damage associated with weather, vandalism, or theft. Additionally, this kind of policy does not cover medical bills or damage to other vehicles.

Do You Need Collision Coverage?

Collision coverage is required in some situations. If you have a loan on a car or you are leasing a vehicle, you may be required to have this kind of policy. States do not require this kind of insurance for vehicles.

You should consider getting this kind of policy even if you are not required to if you would be unable to replace your vehicle if it were totaled. This will help you avoid being left without any kind of vehicle following an accident.

Get Collision Coverage Today

Even if you don’t worry about getting into a collision that will total your car, you should consider getting coverage. Are you still unsure? Call Don Allred Insurance to learn more about your insurance options in Burlington, NC.

In North Carolina, there are specific types of coverage that are required for your auto insurance. It is required by the state to have all of these coverage types, and you must carry proof that you are insured and show it when asked by law enforcement officials. Without the required insurance, you could be given fees and fines. If you need auto insurance, don’t hesitate to call us at Don Allred Insurance in Burlington, NC.

Liability Insurance Coverage

Both bodily injury liability and property damage liability are required by law. These cover the bills that result from an accident that is your fault. There is a required minimum amount for one person who becomes injured in such an accident. There is another amount mandated for all of the people who become injured in an accident. In addition, there is a minimum required amount for the damage to another person’s property, such as their vehicle or a building, that is caused by an accident that is your fault. 

Uninsured and Underinsured Motorist Insurance

This is also required as a part of your auto insurance policy. This is uninsured and underinsured motorist coverage. Just as the name implies, this covers you if you get into an accident with a driver who has no insurance or too little insurance to pay for your injuries and/or property damage. It is also important to have this because it protects you against bodily injury and property damage that is caused in a hit-and-run. Having all of these coverage types keeps you legal when you’re driving in North Carolina and protects you against a wide range of incidents that can happen. 

Stay Protected With Auto Insurance

Don’t risk driving in North Carolina without the required auto insurance coverage. If you need auto insurance, or you want to change carriers, give us a call at Don Allred Insurance in Burlington, NC.

Don Allred Insurance is a resource for the Burlington, NC area. We are here to help you with all of your insurance needs. Don’t forget to take the time to review your insurance options and choose the policy that is the right fit for your needs.

Buying a new car has insurance policy implications too

Looking at new cars can be a very exciting prospect! But it’s important to remember that when you are researching potential vehicles, you’re also looking into your insurance options. 

Consider how often and how far you will be driving the vehicle. Will your lender have any coverage level requirements? Will you be the only one driving the car, or will you share the vehicle with family members? These are just a few of the questions that you should be asking yourself as you start the car buying process.

In addition to coverage options, you may also want to take a look at the many features that are available as add-ons to some policies. These include roadside assistance, vanishing deductibles, and car rental reimbursement. It makes sense to meet with your agent and review your requirements and learn more about the features that are available in our area.

A new car is a very exciting purchase and one that should be made after careful consideration.

Find out more today!

The Don Allred Insurance team is here to serve all of the insurance needs of the Burlington, NC community. If you are thinking of buying a new car, give us a call and set up an appointment today!

Burlington, NC area residents count on Don Allred Insurance, especially when it comes to car insurance. Let us help you find an appropriate policy to protect your new vehicle! Our helpful team is here to help you with all of your insurance needs. Call today!

What to do after buying your first car

You’ve just bought your first car and you may be feeling overwhelmed! While this is a big purchase, it is one that can bring a lot of convenience and enjoyment to your life, especially when it is properly protected.

Taking care of your vehicle can help to protect your investment for many years to come. We recommend that you find a service provider that can take care of any maintenance or repair needs that you may have. It’s a good idea to talk with friends and family about who their trusted providers are before you actually need any service!

Make sure that you take care of any issues right away so that they don’t become even worse. It’s also important to keep your car serviced on a regular basis when it comes to oil changes, tire rotation, and maintaining proper fluid levels. 

When you take care of your car, it can provide reliable transportation for many years to come! Rely on us to help you protect your new vehicle with the right policy at the proper coverage level.

Give us a call today and learn more

Don Allred Insurance is here for the residents of the greater Burlington, NC area. If you are in the process of purchasing your first car, make an appointment today to meet with us! Call or stop by today.