Does My Insurer Care Who Drives My Car?

Letting a roommate borrow your car to make a grocery trip? Loaning it to a cousin who needs to get to work? You may be worried that your insurance company will not provide any coverage if the borrower is involved in an accident. Don’t fret. In Follansbee, WV, if your car is insured, your car is insured.

With that having been said, you should make sure that anyone who borrows your car regularly is included on the insurance policy. If you and your spouse share a car, for instance, or if your teenage son or daughter drives it regularly, then you’ll probably want to have them included in the policy.

This is because, in some cases, the person driving the car may actually be held accountable for damages. By and large, your car will be covered by your insurance provider as long as you have the appropriate coverage. But the driver will be the one who was responsible for the accident. If someone has their own insurance, this isn’t an issue. But if your teen drivers are uninsured, the liabilities will fall in your lap even though you have your own insurance.

If you have any questions or if you’re looking to get covered in Follansbee, WV, get in touch with Pro Insurance Group. You can get in touch through the Pro Insurance Group website or call our office on the phone and see about getting all the coverage you need for you, your car, and your family, whether that means adding your spouse and kids to the policy or just getting yourself covered.

3 Tips for Buying Auto Insurance in West Virginia

Whether this is your first auto insurance policy in Follansbee, WV or your fifth, did you know there are ways to save on your premiums? It’s true, and with auto insurance mandatory, with full coverage highly recommend, every little bit helps. The team at Pro Insurance Group has put together a quick read of three easy steps you can follow to get a great auto insurance policy at a price that makes you happy. Read on to learn more.

Step 1: Work with a Reputable Agent

The key to your auto insurance buying success depends on who you work with. We always recommend working with a reputable agent to make sure you understand your policy and what you’re paying for. Not all insurance policies are the same, and it can take a keen eye to spot and explain the differences. 

Step 2: Compare Several Quotes

Now that you have a reputable insurance agent on your side, it’s time to answer his or her questions to find a few quotes to compare. Try to compare at least three to five quotes, scouring over the details diligently. Ask any questions you may have and raise any concerns. Your friendly agent will be happy to provide the answers.

Step 3: Bundle Your Policies

Once you’ve decided on a quote, it’s time to look at your other policies, such as life, health, homeowner’s, or others, and see if they need renewing or a policy change. You can then bundle all your policies under one insurance company to save money on your premiums.

To learn more about purchasing auto insurance, contact the team at Pro Insurance Group in Follansbee, WV today.