Auto Insurance Services

Auto Insurance Rate Lock?

What? Is it possible to lock your auto insurance rates in? Erie Insurance offers such an endorsement that can help many families, especially those on a "fixed" income.

So basically, how it works is that with the Rate Protection Endorsement, your rate is locked in year after year until you make a vehicle change, add or remove a driver or change your address.

Of course, you are still subject to underwriting, which can be discussed in further detail by setting up an appointment. Call Hahn Insurance Agency to request a FREE quote.

Reliable Auto Insurance Services

Full coverage? Liability only? These terms are thrown around a lot in the insurance industry, but often it’s very misleading. 

When someone calls for auto insurance and only wants liability, the mistake made is assuming that buying liability insurance for a car is all the same and it’s just about the price, but that is not the case. 

 Liability limits are the “lifeblood” of your policy. It’s what protects you if you have an at-fault accident. The minimum state limit of liability in Indiana is $25,000 bodily injury per person, $50,000 bodily injury per accident, and $10,000 property damage to others. 

 As medical costs have increased dramatically, $25,000 bodily injury is extremely low, and folks should consider increasing that limit. 

 Also, the minimum limit for property damage to others ($10,000) doesn’t go very far anymore either as there are many vehicles on the road that are upwards of $40,000 plus.

Case and point, it's important to have a local independent agency to help you navigate these questions to better protect against the unknown. Why gamble your future by not having appropriate limits and coverages in the name of insurance rates?

Car Rental Coverage

Full coverage is also a very misleading term that should be avoided. It is usually associated with auto insurance, where there is liability and physical damage coverage for the owned car. However, there are a lot of other important coverages when buying your physical damage coverage. 

Car Rental coverage is super important, especially if you rely on your car every day or if you are on vacation somewhere a long way from home. There are different limits associated with car rental so pay close attention. Another important coverage is emergency road service.