I know I need auto insurance but how much do I need?

Great question…buts there is no cookie cutter answer. You need to realize that the minimum limits required by the state are usually pretty low. Often times if you have minimum limits and you get in a car accident, the chances of you paying out of pocket are pretty good.  That is why it’s in your best interest to speak to a knowledgeable insurance agent such as Mike Wiebe. We can sit down and look at your assets and see how much coverage you will need.

If I don’t have any assets I don’t need insurance right?

Wrong, wrong, wrong. You have no assets now…what about in 5 years…do you plan on owning a house or buying a car? Will you have children? If you cause an accident while you don’t have insurance, you still owe the other party for repairs to their vehicle and property and not to mention medical bills. It could take you years to pay that off…all because you saved a few dollars a month on not having insurance.

My insurance is expensive, how do I lower my rates?

First, stay ticket and accident free. When you have tickets and accidents, insurance companies see you as a higher risk so therefore they charge you more. Many times by adding other coverage’s such as homeowners insurance or a life policy will give you a discount, which will lower your rates.

Do not go without auto insurance. Most companies offer discounts for having previous insurance. Even if you don’t have a car, keep your insurance in force.

Why should I switch my insurance to your agency?

We are here to help. If you have questions, let us know, well answer them. We try our hardest to find every discount you deserve to keep your rates as low as possible. We are knowledgeable and friendly. And the best part of our agency…WE RETURN PHONE CALLS! My biggest pet peeve is people and companies taking their time to return a call, if at all. I cannot guarantee we will answer the phone every time, but you will get a prompt phone call back to answer all your questions.