We’re Good, But We’re Not THAT Good, Auto Edition: Things your insurance agent won’t know unless you tell them

The agents at Kasmann Insurance are sometimes referred to as “Insurance Gurus” because of the knowledge we possess, and the savings and protections we’re able to offer our customers.  We love the complement, but we don’t want to take too much credit!  We’re not mind readers, and there are lots of changes that can happen in your life and with your property that we know nothing about… until you tell us!

Below are 6 car-related events that can change your insurance needs, costs, and eligibility that we’ll only know about if you tell us:

1. When your vehicle is deemed a total loss by another party’s insurance claim (and often times your own carrier).  If you surrender the vehicle, you’ll need to request that we remove it, and if you decide to keep the vehicle with a salvage title, we can only offer Liability coverages.
2. When your children get their permits, and when their permits become licenses.  Each company rates youthful drivers differently, but they all have a Good Student discount, so keep those grades up!
3. When you retire or start working from home.  Vehicle usage can be a significant rating factor, and some companies have retiree discounts on Auto and Homeowners products.
4. When you’re shopping for a new vehicle.  Call us when you’ve narrowed your search down to a few VINs so you’ll have an idea of what insurance will look like for your new vehicle.
5. When you purchase a new vehicle.  Please don’t take insurance advice from a car salesman who says you have 30 days to tell your agent about a new vehicle.  You don’t.  The grace period for coverage on a new purchase varies by company, and may not include full coverage. 
6. When you no longer need your SR-22 filing. The state does not inform us when your requirement is over.

Have we forgotten any care-related events?  Call 573-442-1105 or send us a message to let us know what we should add to this list, and keep an eye out for more tips next month!

Insure with the People You Trust

For 100 years, the agents at Kasmann Insurance have been dedicated to getting the right coverages at the right prices for our clients.  We ask probing questions because we want to make sure we’re selling you a product that meets your needs and protects the assets you’ve worked so hard to earn.  We also just like talking to you.  So reach out to your favorite Kasmann agent today, and let us know what’s been going on in your life!