Auto FAQ’s

Question:

When purchasing automobile insurance what should I consider?

Answer:

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.

Question:

Does my insurance policy coverage apply if I loan a friend my car?

Answer:

Yes, if you give permission for that person to drive your car.


Question:

What is collision coverage?

Answer:

Collision is the loss to your covered automobile if it collides with another vehicle or object like a telephone pole.


Question:

What is comprehensive coverage?

Answer:

Comprehensive provides coverage for covered auto for damage NOT caused by a collision, such as damage by hail, fire, or theft.


Question:

How can I lower my automobile insurance rates?

Answer:

*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.