Car Insurance
Albertville

Frequently Asked Questions

• How is it possible for every insurance company to save you hundreds of dollars on your auto insurance?

  If everyone saved $500 every time they switched companies, car insurance would eventually be free. The reality is, rates do change sometimes prices go down, sometimes up (and currently they are on the rise). But, the real secret here is that every insurance company has their own rating system. For example, one company may favor certain characteristics and thus rate them differently from your age, to the make and model of your car, to your mileage, and so on. Every insurance company is a little different. So, those examples of a person saying "I saved $500 when I switched," doesn't mean everyone will save that much. Rather, that particular person's situation happened to be a better fit for that particular insurance company. This is why using a Harris-Fowler Insurance independent car insurance agent is so critical when selecting your auto insurance and other insurance products. A Harris-Fowler Insurance agent represents more than just one local insurance company. We have the ability to comparison shop among different insurance companies until we find the one that favors your unique set of risks. The result? You get the most value for your insurance dollar. Get better car insurance and save money by using a local Harris-Fowler Insurance insurance agent. We know cost is important, and so is your family's financial security. We all like a good deal, but a car insurance policy that fails to truly protect you is not worth the lower price you may have paid for it. Many states have "minimum" amounts of car insurance that a driver is required to have. Unfortunately, these policies are often simply not enough to protect your family's financial stability in the face of many types of car accidents (especially those involving multiple cars). Our local auto insurance agents near you will help you select the right amount of liability coverage, personal injury protection, medical expenses coverage, and uninsured and underinsured motorist coverage. Because of our ability to match your needs with the insurance company that is right for you, we are often able to provide our clients with car insurance policies that provide increased and much needed coverage without adding significantly to the cost. In fact, sometimes the cost has been the same, especially when we bundle your car insurance policy with your other insurance needs. Our professionals have the resources to deliver exceptional car insurance policies at extremely competitive prices. You want to make sure when you hit the road that you have adequately covered your risks with a car insurance policy that is right for you. That doesn't mean you have to pay a lot to do it! Part of matching your situation with the right insurance company also means examining the many car insurance discounts available to get you a better car insurance price. Auto insurance discounts are available for a variety of factors. We will consult with you to make sure we maximize your car insurance discount opportunities, including good student and good driver discounts as well as discounts for multiple vehicles insured. You could qualify for additional discounts if your car has airbags, anti-theft devices, and/or automatic seat-belts. Discounts are also available if you insure both your home and your automobiles with the same company. Here are some additional ways you can save on your car insurance: Ask for a higher deductible Check the cost of insurance on a vehicle before you buy Bundle homeowners and car insurance Maintain a good driving history Reduce certain coverages on older cars Drive fewer miles Selecting the right car insurance coverage for your needs. When it comes to car insurance, there are numerous options on the market. However, not all policies are created equal. While the insurance policy with the lowest price might be most attractive to you, selecting an option solely on price might end up costing you in the long run. Harris-Fowler Insurance near you is here to make sure your car insurance does its job: keeps you protected in case of an accident. As independent Harris-Fowler Insurance agents, we can do the shopping for you, apply applicable discounts, and most importantly make sure you have the right car insurance coverage for your situation.

• What are the implications of using my personal vehicle for business on my insurance policy?

  Using your personal vehicle for business purposes can affect your coverage. Personal auto insurance may not cover business-related accidents or liabilities. You may need a commercial auto policy or a business-use endorsement to ensure proper protection.

• How Do I Know If I Have Gap Insurance?

  Gap insurance protects you if your car is totaled or stolen and you still owe more than it’s worth. It covers the “gap” between the actual cash value of your car and your loan or lease balance.

  Here’s how to check if you have it:

  1. Look at your declarations page. Check the comprehensive or physical damage section for terms like “Gap” or “Loan/Lease Payoff.”
  2. Review your policy documents. It may be listed under optional coverages.
  3. Ask your agent. Not sure? We’ll gladly check for you and explain any costs or benefits.

  If you're leasing or financing your vehicle and don’t yet have gap coverage, it’s worth considering—it can save you thousands in the event of a total loss.

• Does Auto Insurance Follow the Car or the Driver?

  It's a common question. In most states, auto insurance follows the vehicle, not the driver. If someone borrows your car (with your permission) and gets in an accident, your insurance is typically the one covering the damages.

  However, there are exceptions:

  • Permissive Use: Most policies allow occasional use by others, but this varies by state.
  • Excluded Drivers: If someone is specifically excluded on your policy, they are not covered.
  • Non-owner Policies: If someone frequently drives a car they don’t own (e.g., a child or roommate), a separate policy might be required.

  Bottom line: Unless you’re listed on the policy or drive a car regularly that you don’t own, the coverage usually applies to the car—not the person driving it.