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Did you know that when it comes to auto insurance, SMK offers a number of discounts that we may be able to pass on to you?
Some of the Auto Insurance Discounts you may be eligible for:
If you depend on a car to get around then car insurance is imperative to you. When you choose an insurance policy you want one that meets your needs. The problem is not all coverage fits every person.
A car insurance policy is a simple contract between you and an insurance company. You, the policy holder, pay a certain amount (called a premium) to the insurance company in exchange for a set of coverage options you select. Your policy then states clearly what is covered.
Steve Kimball, President of SMK Insurance says, “It is really is important that you understand your policy so that there are no unpleasant surprises in the event of an accident or claim.” And he’s right.
Minimal Liability Insurance is mandatory. You can add extra protection and raise your liabilities if you choose but the law determines the minimum coverage you must have:
· Third Party Liability
coverage for both any losses you might cause others to suffer and to protect you in case you are in accidents caused by uninsured and/or unidentified motorists
· Accident Benefits
coverage for your own medical expenses and loss of income resulting from driving-related injuries
There is additional coverage that you can choose to cover you for damages to your car and for things like theft and vandalism but these are voluntary and not required by law. Consider:
coverage for damage to your car resulting from a car accident
protection against theft, vandalism and other perils
If you owe on your vehicle, the lender will likely require you to hold both collision and comprehensive coverage as part of your financial arrangement – just until the last payment is made. After that, the decision is yours.
Car insurance is not one size fits all. Once you understand the basics you can speak to your insurance company or broker and determine the coverage you need. As an expert in car insurance in Halifax Dartmouth, President of SMK Insurance, Steve Kimball is contacted often to provide advice and comparable quotes. He reminds us, “It is important that you speak to an insurance broker to determine how much liability, accident benefits and physical damage coverage you should include in your car insurance policy as well as what deductibles you are comfortable carrying.”
Owned and operated since 1985 by Steve Kimball, SMK Insurance offers the neighbourhood feel of a local company with all the benefits of a national brokerage. For top notch customer service and to find the best insurance products and services available anywhere in Canada go to: https://smkinsurance.com