Auto FAQ's

Q:	When purchasing automobile insurance what should I consider?
A:	Several things you should consider when purchasing automobile insurance are: Purchasing the appropriate amount of liability insurance based on your individual needs. Deciding which company to purchase insurance from. Weighing price with service, reputation and claim response.

Q:	Does my insurance policy coverage apply ifI loan a friend my car?
A:	Yes, ifyou give permission for that person to drive your car.

Q:	What is collision coverage?
A:	Collision is the loss to your covered automobile if it collides with another vehicle or object like a telephone pole.

Q:	What is comprehensive coverage?
A:	Comprehensive provides coverage for covered auto for damage NOT caused by a collision, such as damage by hail, fire, or theft.

Q:	How can I lower my automobile insurance rates?
A:	Review your coverage with your agent. CWS represents many carriers and can offer comptitive pricing for you. Consider a higher deductible. Consider removing comprehensive and/or collilsion coverage from older vehicles. Package your home and auto coverage for significant savings.

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