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What every Fort Payne, AL driver needs to know about auto insurance

If you are a driver in Alabama, you already know that you need to have mandatory liability insurance and other auto insurance basics. The Fort Payne, AL roads can get pretty dangerous, and if you are not adequately insured, you may end up paying large sums of money for injuries or lawsuits. In order to stay safe, Attain Insurance recommends buying adequate coverage to protect you and other road users in Alabama. Here is what you should know about auto insurance in Fort Payne, AL.

Alabama uses the ‘fault’ system 

When it comes to financial responsibilities for vehicle damage and injuries, Alabama uses the ‘fault’ system to make things easier and transparent for drivers. That means if you are at fault in the event of an accident, you are responsible for any damage, loss, or injuries sustained in that accident. Depending on your agreement, third parties can:

  • File claims with their insurance provider
  • File a claim your insurance provider or 
  • File personal injury lawsuit

Liability coverage is mandatory

The state of Alabama requires all drivers to carry minimum liability coverage in the following sections:

  • Property damage for an accident that you accused
  • Bodily injury liability when two or more people are injured in an accident where you were at fault.
  • Bodily injury liability when a person is injured in an accident that you caused.

Basic coverage pays for property damage, medical bills, and other costs. Note that when you get injured in an accident that you caused, liability coverage won’t help you. In this case, you may need to carry more coverage to protect yourself and your car.

There are penalties for driving without insurance.

If you are caught violating auto insurance laws, particularly the Alabama mandatory Liability insurance law, you could face penalties amounting to hundreds of dollars. Subsequent violations can lead to a more significant fine and/or license suspension.

For more details about auto insurance, reach us at Attain Insurance today!

What do I do about auto insurance when renting a car?

You have auto insurance for your everyday needs, but does that still apply when traveling? What if you need to rent a car in Fort Payne, AL for business, or if you are going out of state? Trust Attain Insurance to answer all your car insurance questions, and continue reading to find the answers.

Does My Insurance Cover a Rental?

The short answer to this question is yes, as long as your insurance policy covers you to drive any car! If you are renting a car, you are still covered under your auto insurance policy, so be sure to bring your insurance information with you while you are renting your car. You will need this information if you get into an accident.

If you need to rent a car for an extended period of time, it’s a good idea to check with your insurance agent to make sure your policy will cover you for that amount of time.

Do I Need Additional Coverage?

Probably not, but you can consider it. Your car rental company may try to convince you to purchase extra rental car insurance through them, often claiming that you will not have to pay as much money if you are in an accident. If you already have thorough auto insurance, additional coverage is not necessary. If you’re not sure what your policy covers, talk to an agent at Attain Insurance today to check up on your current policy or set up a new policy.
 

Whether you’re just renting a car close to home near Fort Payne, AL, or you’re going on a cross country road trip, you want to make sure you have the proper coverage. Once you have your auto insurance squared away, you’ll be on your way to a great trip!

Showing Your Cars Off at a Show? Protect Them With Insurance

As a classic car collector in Fort Payne, AL, you love taking your beautiful cherry autos to car shows. However, you don’t have specialized classic car insurance through Attain Insurance, which is a problem that will seriously impact your life if your vehicle is damaged at a show.

Your Policy Will Pay for Auto Show Damage

During an auto show, you aren’t going to be near your vehicle at all times. You’re likely going to be exploring the floor, checking out other vehicles, and having a great time interacting with other car owners. Unfortunately, your vehicle may be damaged during this period by vandals or well-meaning viewers.

When this happens, your classic car insurance will pay for the damage under the clause known as “No Attendance Required.” This clause states that the vehicle doesn’t have to be under your control or care for your policy to protect it from damage. Make sure that your policy includes this clause to avoid serious heartache.

Medical Injuries are Also Covered

While your car is likely to stay parked during an auto show, there are times when it will be in motion. For example, there may be a moving display event outdoors or even inside that showcases your beautiful car in action. Unfortunately, these events may cause injuries in unsafe spectators.

Thankfully, your classic car insurance will pay for any injuries that your car causes in this situation. This coverage is known as “Auto Show Medical Reimbursement” and is a lot like the medical payments offered in general auto liability or homeowner’s insurance coverage.

Protect Your Car and Yourself

So if you plan on attending car shows near Fort Payne, AL or the surrounding areas, please contact us at Attain Insurance to find a classic car insurance policy that meets your needs. You’ll be glad that you took the time to make this decision.

Teen Drivers and Auto Insurance: The Basics

When a teen gets close to getting their license, parents and teens usually have different feelings.  While the teen is excited at the prospect of new freedom, the parents will have some concerns about making sure that their youth is safe while they are on the road.  The team at Attain Insurance understands the situation and can help everyone with their new responsibilities.  Their agents, working with Fort Payne, AL area families, have found that involving teens in the car insurance process helps them to understand the importance of good driving habits and the benefits to maintaining a clean driving record.  As they gain more experience, they will be able to see that their rate actually gets lower over time. 

When shopping for insurance, teens and their parents need to talk with their agent.  In many cases, it will be cheaper for the teen to be added to the parent’s existing policy.  Also ask if the insurance company offer discounts for students who maintain good grades or take a driver’s education class.  If the teen is a college student, there may additional discounts related to their enrollment, grades or how often they drive.  Lastly, carefully consider which vehicle the teen will be driving.  As the teen will most likely be the most expensive to insure, the vehicle they drive should be the least valuable to mediate the costs. 

Before a teen begins to drive, there are many questions that will need to be addressed.  Families are not only concerned about safety, they are aware of the increased costs of insuring a teen driver.  The agents at Attain Insurance are ready to answer the many questions during this time.  They work hard for the people in the Fort Payne, AL area to ensure that they have lowest rates for the best coverage. 

Your Tips for Understanding Your Comprehensive and Collision Auto Insurances

Your auto insurance is your protection against a different vehicle colliding with your vehicle if they would be at fault unless you would purchase additional auto insurance protection.

With this additional collision and comprehensive coverage, you would just need to find out if it would be necessary based on a couple of criteria, such as whether your vehicle is worth more than $2,000, according to the Alabama Department of Insurance, and if you would need this coverage because you have an auto loan with a lender that would require it. 

If you were to decide to purchase this additional insurance with our insurance agency, Attain Insurance in Fort Payne AL, you would then have the coverage that you would need to pay for your collision with another vehicle if you were at fault for your expenses, such as any vehicle repairs for your vehicle.

Your comprehensive coverage would pay for most other types of damages to your vehicle, such as from your vehicle fire, any inclement weather damage including flooding, any vandalism that would cause permanent damage to your vehicle, or if your vehicle were stolen. You would also find that your comprehensive policy would pay for any windshield damage with your vehicle that would not be related to any collision with a different vehicle.

These two types of auto insurances would also require you to pay your deductible, also, per your usual vehicle insurance payment process. This fee would be determined by you, also.

You would just be able to contact our vehicle insurance associates at Attain Insurance in Fort Payne, AL to find out any additional information that you may need to know about our optional insurance coverage.

What Factors Should I Look for When Buying My First Auto Insurance Policy?

If you have purchased or were gifted your first car, you will need to obtain auto insurance on that vehicle. But this can be overwhelming at times. There are so many different things you need to know about auto insurance and so many companies to select from. Learning what you need to look for when buying your first auto insurance company can help guide you through the process and help you find the right policy. Here are a few of the things you need to look for as you buy your first auto insurance policy.

Policy Limits

One of the things that you carefully need to pay attention to when buying your first auto insurance policy is the policy limits that are in place. Every state has a mandated minimum amount. However, that does not mean that that is the amount of coverage you need. A great insurance agent or broker can help you determine how much coverage you need.

Deductible Amount

Another key factor to pay attention to is what the deductible amount is on any given policy. If you are involved in an accident, the deductible amount is the amount you will have to pay out of pocket. If you don’t have a lot of money, coming up with a $1,000 deductible may be impossible. As such, you want a lower deductible that you can afford to pay. However, keep in mind, the lower the deductible, the more you will pay in auto insurance.

Policy Price

The last factor to keep in mind as you shop for auto insurance is the policy price. This is how much you will pay for the policy. Most policies are six to 12 months in length. Most companies will allow you to pay on a monthly basis. Always compare prices to ensure you are not overpaying for your policy.

If you are looking to obtain an auto insurance policy, let Attain Insurance in Fort Payne, AL help. We can help you find the right auto policy for your needs, regardless of whether this is your first time buying auto insurance or you’ve purchased several policies in the past. Give us a call today to get started or to obtain a free price quote.

Stay calm to avoid the rage of the road

It is normal to get upset when you feel threatened, or in danger, because another driver is doing something wrong. Sometimes that escalates and rage ensues, and even at times there is violence, especially if there is an accident. Studies show that some people are more prone to losing their temper than others, but the results of losing your temper and getting into a road rage situation can be dangerous or even deadly.

One way to try to avoid road rage situations is to just not be the aggressor. If someone wants to get past you, or is following too close, pull over and let them pass by. Give the right of way, or back off, whenever possible. Remind yourself that there is nothing to be gained from winning an argument, or from getting back at someone while driving.

Another thing to consider is your own driving habits. Are you creating problems for other drivers by following too close, weaving out of your lane, or driving too fast or too slow? Make sure you are not the problem.

A third thing you can do is to work on controlling your temper. Take deep breaths, count to 10, or just try to mentally remove yourself from a situation long enough to start thinking clearly again.

A final thing, is to consider the other driver. Realize they are most likely not doing something wrong intentionally, and they are not trying to hurt you. They may just be having a bad day, so try to give them some slack as you would hope others would do to you.

Stay calm, and call us at Assure-us for all your automotive insurance needs. Whether you are looking for insurance, or just want to make sure you have the best possible coverage, call us today.

It’s Spring Again ! – Spring Cleaning Tips for Automobile Lovers

Now that the weather is once again turning to pleasant it is a wonderful time to get out, enjoy the outdoors and get some chores done at the same time. Spending a Saturday as the car wash has never been more fun or easier than right now. 

  • It’s a Great Way to Get Some Exercise – Washing the car is a fantastic way to get toned and tan all for free right in your very own driveway. If you make this a regular practice you will be astounded at all of the weight you can take off by getting out there and getting active. Now you have a clean buggy to sport around your new bod. 
  • Keeping Your Change in Your Pocket – Car washes can cost well over twenty dollars and this is not including detailing. Think of all the money you will save by doing it yourself! 
  • You Can Use the Products You Approve Of – You never know what the professionals use when you take the car in for a wash. Now you can use the products you trust on your car. 
  • Get the Family Involved – Make this a fun activity that the whole family can enjoy. Don’t be surprised if a spontaneous water fight ensues.

Now that you’ve given yourself the best deal on a car wash, find out how to get great automobile insurance at Assure-Us, a trusted and reliable insurance agency serving all areas in and around the North Miami Beach, FL area. Visiting our website at www.assureus.us ensures you will have access to a wealth of information regarding all insurance types. Spring, the time of new beginnings is the perfect juncture to reassess all of your car, and home insurance needs.    

Why You Should Avoid Road Rage This Spring

With spring upon us, you can expect more people will be out and about. The roadways will become congested with traffic, especially on the weekends. Our team at Attain Insurance, wants you to be safe this spring and year round, by avoiding road rage.

Spring Brings Increased Risk of Accidents

Spring will usher in a lot of outdoor activity for your family and others. With more cars on the road, there is a greater risk that you could be in an accident. If you couple traffic congestion with road rage, then you increase the chances of an auto accident greatly. Instead of putting your life at risk, drive slower with more courtesy for other drivers who share the road with you.

Spring Means an Increased Number of Slower Drivers

In addition to warmer weather, you can count on slower drivers in the spring. When the weather warms, gas prices increase, which means more people will start conserving gas by driving slower. In order to avoid accidents and prepare for slower drivers, you should plan your routes in advance so that you aren’t running late and at the mercy of a slower driver.

Spring Is a Time for Renewal and Happiness

When spring the rain showers bring beautiful flowers of different sorts. In fact, you can consider spring as the season of renewal and happiness. As a result of that, you don’t want to negatively impact what spring means to family and loved ones by getting into an accident; therefore, you should drive safely and breathe in the fresh air that spring brings while behind the wheel.

At Attain Insurance, we want this spring to be a safe spring for you and everyone else. If you have questions about how to make your driving experience safer, we are ready to answer you questions.

 

 

When the Left Side is the Right Side

An enjoyable part of traveling to a new country is taking a car for a pleasant afternoon ride out in the countryside. Navigating the roads might be a challenge. Following the directions, the traffic rules, and the confusing signs is not easy.

Luckily, there are GPS global locator systems with information is available in multiple languages. These systems tell you were to turn, which exit to take, and where to get off the road in the language you understand. For international drivers it is always a good idea to get an International Driving Permit (IDP). This is only a translation of your legal driver’s license. Nevertheless, with this and your passport, the police may treat you more nicely.

Reverse Driving

There are a few countries in the world where they decided to drive on the left instead of on the right sides of the road. The biggest ones are Japan, Hong Kong (now part of China), and Great Britain. You will find this left-handed driving skill in South Africa as well. Most of the places that have left-handed driving were at one time under the influence of Great Britain.

When Britannia ruled the seas, they also ruled the roads of the countries they conquered. This is why people who speak English in India have somewhat of a British Accent.

Reverse Driver Position

It is not only the rules of the road that are different in the left-handed driving countries. It also includes the position of the driver, which is on the opposite side. In American cars, the driver enters on the left side. In cars made for Britain, the driver enters on the right side.

Driving in another country is almost like learning how to drive again. Left-handed driving is like a mirror image of right-handed driving. It is very easy to make a mistake. This is why it is a superb idea to get foreign car insurance coverage from your trusted insurance agent at Attain Insurance in the USA. Attain Insurance provides auto insurance coverage for driving abroad