Do Disabled Drivers Need Special Auto Insurance?

Do Disabled Drivers Need Special Auto Insurance?

When it comes to finding the right insurance, each individual may face certain challenges. This is especially true when seeking auto insurance for disabled drivers. Disability can range from mild to situations where there is a need for special equipment that needs to be insured. 

Are you curious about any special modifications regarding insurance for disabled drivers? In the content below, we discuss special driver disability insurance modifications and explore how to find the right policy for you.

Special Disability Modifications for Vehicles

In instances where a vehicle needs to be modified to accommodate a handicapped driver, there may be a need for special coverage to include modifications and extra essential equipment such as loading ramps and lifts. If anyone who is currently searching for auto insurance has questions about coverage for people with disabilities, they should reach out to an experienced insurance agent to get answers to their questions as well as find currently available options. 

Finding the Right Auto Insurance for Disabled Drivers

In special situations, it helps to have a professional insurance agency to help you work through issues and find policies that match current needs. The agents at Centennial State Insurance Agency, serving Bailey, CO, are committed to helping those with special situations and disabilities find the coverage options they need to feel secure day and night.

Shopping for special auto insurance doesn’t have to be confusing. Get assistance from agents that have insight and experiences to make the process quick and easy without having to guess about the terms and conditions or worry about gaps in coverage.

Anyone who has a disability and is currently looking for high-quality insurance products to give them peace of mind, should call or stop by Centennial State Insurance Agency, proudly serving Bailey, CO, to find out more about how to protect their vehicle and find insurance that gives them confidence. 

Auto Insurance Premiums-How to Save Money

Below are some suggestions from Centennial State Insurance Agency.

There are ways for you to lower your insurance premium without lowering limits and protection.

First, what are your deductibles? Do you have an older vehicle where the deductible you are carrying is equal to greater than the value of the vehicle? If this is the case, you may not get anything from the insurance company if the vehicle is damaged or totaled. Can you raise your deductible? Can you afford more out of pocket if the vehicle is damaged? If so raising your deductible will lower your premium.

Policy discounts:

Are you getting all the discounts that you qualify for? Some of the more common ones that can impact your rate:

Good Student discount: Your teen driver will need a GPA of 3.0 or better but an important discount.

Defensive Driving discount: Most companies will offer this to teens drivers that have completed a certified class, and some will offer it to older drivers.
Multi Policy discount: Companies will offer a discount to both the home and auto for placing both lines of business with them You can a discount from 10% to 20% on both your home and auto by doing this.

Telematics: This is a new program being offered by insurance companies. You plug a device into your car for 90 days and they track your driving habits (speed, braking, time of day driving to name a few). At the end of the 90 days they evaluate the date and offer an additional discount. We have seen these range between 5% and 20%.

Annual miles driven: It is important to give the accurate miles you drive a vehicle. Companies will offer lower rates for fewer miles driven. They will often verify the miles each year so be accurate.

Pay plans: Companies will give you a discount for paying your premium in full. They will also give discounts on monthly pay plans if you set it up on EFT or credit cards with some companies.

Give us a call at Centennial State Insurance to review your insurance policies and coverages. We will make sure you have the right coverages for the right premium.

303-838-0554 or on the web at centennialstateins.com.