4 myths about auto insurance every driver needs to know

Whether you’re looking to buy a new policy or update your coverage, it’s critical that you understand the factors that affect your insurance costs. Auto insurance is a popular policy as it is mandatory in Lees Summit, MO and other states. That’s why there is a lot of misinterpretation and negative information around. Here are the four common myths we thought you should know about.

Myth #1. Red Cars are Expensive to Insure

Whether you choose to paint your car yellow, pink or purple, color doesn’t play a role in determining your insurance costs. Your insurance company will only be concerned about the model of the car, year of manufacture, engine size, and body type. They will also want to check your driving record.

Myth #2. Senior Drivers Pay More for Their Insurance Policies

That’s quite the opposite. Young drivers or inexperienced drivers are likely to pay more when buying auto insurance as their driving record is yet to be established. On the other hand, seniors or older drivers are eligible for unique discounts depending on the number of years they have been driving.

Myth #3. Other People Who Drive Your Car are Covered in Their Own Policies

The insurance you buy is primarily for your car, not you. That means that it does not matter who was driving the vehicle when the accident happened. Your insurance policy will pay for the injuries other people sustain as long as you gave the green light for the other driver to drive.

Myth #4. Auto Insurance Covers Your Injuries

This is only true if you have personal injury protection (PIP), a specific coverage designed to pay your medical bills in case you’re injured. The minimum liability coverage required by the law does not cover your injuries or damage to your car. That’s why it’s always a prudent idea to speak to an Epic insurance expert to help you determine which additional coverages to buy.

For more information about auto insurance facts, questions, and new policy discussions in Lees Summit, MO, feel free to contact Epic insurance.

Does your auto policy provide adequate collision coverage?

Being involved in an auto accident can turn your life upside down, especially if there is significant damage to your vehicle. Drivers in Lees Summit, MO turn to the team at Epic Insurance for help selecting the right coverage for their needs. When you have a comprehensive policy with adequate collision coverage you can rest easy no matter what comes your way.

Collision coverage is an important part of your auto insurance

We all know how important auto insurance is to protect ourselves, our passengers, and our vehicles. With a robust and comprehensive car insurance policy, collision coverage will help to repair or replace your vehicle after you are involved in a covered event. There is no reason to worry about vehicle damage when you carry a policy that includes adequate collision protection.

After an accident, you will have an estimate run on the cost of repairs to your car. This assessment will also determine if it makes more sense to classify the involved vehicle as a total loss. Whatever the case, it’s always preferred to have your auto policy cover the cost of repair or replacement. Collision coverage protects you from becoming financially responsible for any damage that is not covered by your policy. With the right policy, you can protect your assets while also making sure that your transportation needs are met, no matter what may happen.

Let’s make sure you have the protection you need

Drivers living in the greater Lees Summit, MO community can trust Epic Insurance. If it’s time for a new insurance policy, or you’d like a registered agent to review your current policy, call or stop by today! We have the knowledge and expertise necessary to help you choose the right car insurance policy for your needs.

Understanding Your Car Insurance Policy

Your car insurance is supposed to protect you from the possible impact of an accident on your finances and family members. Whether a collision is your fault or someone else’s, your car insurance will protect you from any financial liabilities. The right car insurance coverage will also protect you from other risks, thus providing you with peace of mind.

What Is Car Insurance?

Car insurance is a contract between you and an insurance company where you pay premiums in return for protection from financial liability in case of an accident or theft. Your policy document highlights the compensation and other terms of your contract in case such a risk occurs.

What Does Car Insurance Cover?

Basic car insurance from Epic Insurance, a mandatory requirement for motorists living in Lees Summit MO, covers the following:

  • Liability: protection against damages due to third party property damage or bodily injury to other people
  • Medical and funeral expenses: costs of drugs, treatment, medical procedures, rehabilitation, and funeral expenses in the case of an accident
  • Uninsured motorist coverage: reimbursement in case an uninsured or underinsured driver causes an accident.

Optional Car Insurance Policies Include:

  • Collision: compensation for car damage due to collision with an object or other car where you are at fault.
  • Comprehensive: coverage against theft and damage due to fires, floods, vandalism, hail, and other hazards
  • Glass coverage: offers compensation in case of the windscreen, side and rear windows, and sunroof damage.

You should know that car insurance does not apply to commercial vehicle usages, such as pizza delivery or transportation services like Uber or Lyft. You will need to take out a separate cover for such applications. Epic Insurance offers car insurance for motorists in Lees Summit, MO. Visit their website for more information.

Required Vs. Optional Auto Insurance

Liability insurance for automobiles is required of Lees Summit, MO drivers; however, there are optional coverage options as well.  Liability insurance covers the insured person’s responsibilities when they cause injuries or damage to the property of others. Should you be in an accident with an uninsured driver then required insurance will protect you as well.  Liability insurance provides coverage for costs related to injuries or death the insured may cause while driving the vehicle.

Insurance will also reimburse others for damages the insured may cause to another vehicle or property. While liability insurance is required it does not cover damage to the insured’s person’s car should it be damaged.  There is optional coverage available to drivers to protect their own vehicles against accidents, theft, and even windshields. Lees Summit’s Epic Insurance agents will help drivers decide what coverage might work for their situation. Optional collision insurance will reimburse drivers for damage to their own vehicle after a collision with another vehicle or object.  Comprehensive coverage will protect drivers against theft and damage caused by an accident such as fire, flood, hail, or even fallen trees. Some drivers may opt to purchase glass coverage for their vehicles as well. This optional insurance will help with replacing windshields or other windows damaged by collisions or other types of damages like falling tree branches or rocks. 

Drivers should carefully consider the types of insurance that are required as well as optional policies that may be available as well. Epic Insurance, located in Lees Summit, MO, is here to help drivers understand the difference between required and optional insurance coverage for your automobile by either visiting an office in person or visiting our website.  

How to Stay Focused While Driving

Distracted driving is one of the most dangerous and deadly activities on the road. You certainly want to stay safe and focused while driving. With that in mind, follow these tips, courtesy of Epic Insurance serving Lees Summit, MO.

Put the phone away

Do not even have your phone out while you are driving. And certainly never use it while driving. If you do need to use it, pull over to the side of the road, park and be in a parked position before ever using your phone. Disaster can strike even in a few seconds of using a phone while behind the wheel.

Map ahead of time

Trying to map out a trip, even a short one, and trying to coordinate all that while you are driving is essentially impossible and very risky. Instead, map out your route before you even start the car. You might find yourself feeling much more relaxed.

Avoid other distractions

Keep in mind that there are many distractions other than phones. Avoid all of those too. They can include changing the radio station, having conversations with passengers or trying to snack while driving.

Don’t drive while tired

Driving while you’re tired can be extremely dangerous. if driving at night makes you sleepy, only drive when it’s daylight outside. Pace yourself, and only drive for short periods of time at a stretch. Make sure you have had a good night’s sleep whenever you drive, especially when you are going to be driving long distances several days in a row.

You want to do everything in your power to keep yourself, your passengers and passengers in other vehicles as safe as possible. So implement these steps, and notice what a difference that makes. Safe Traveling!

Top Five Factors Affecting Your Auto Insurance Premium

Wonder what you can do, if anything, to your auto insurance rates in Lees Summit, MO? While there is no definite answer as every auto insurance company is different. There are common factors that most insurance companies use to determine your monthly car insurance premium.  

The insurance professionals at Epic Insurance of compiled a list of the top five factors affecting your car insurance costs and the things you can do to help your premium.

Auto Insurance Factors 

Most of the factors that go into auto insurance rates, you can’t do much about. But you can be a better driver, pay your bills on time and consider bundling your home and auto insurance as ways to save on your premiums.  Here are things that may be affecting your auto insurance premiums. 

Where you live
Unless you want to move to a new area, there isn’t much you can do about this one. Insurance companies view certain areas higher risk than others. Maybe it’s weather related like hail, or if the city is more accident prone, whatever the care you could pay more for places deemed riskier by the carrier. 

How often you drive
The more you drive, the more you pay. Since you are commuting more and increase your chance of an accident, you could spend more than drivers who are on the roads less. 

What you drive     
Type of car you drive plays a role in how much your auto insurance rates are. For cars considered intermediate-performance, high-performance, or sports vehicles, and for rear-engine models, insurance companies charge higher rates. 

How you’ve driven in the past
Auto insurance companies frequently look at claims history and if your driving record to gauge what type of driver you are. The more that shows up, the more could pay. 

Your marital status
Studies have shown married couples to be safer drivers than their single counterparts. If you haven’t tied the knot yet, you could have higher insurance rates.  

While every situation is different and based on the individual, the friendly staff at Epic Insurance would love to help Lees Summit, MO drivers understand their auto insurance better. Stop by or give us a call today! 

Will My Auto Policy Provide Me With Enough Coverage?

Your car is a very important asset that may be a necessity and can also be expensive to purchase. Most people are aware that they need to have auto insurance on their vehicle, but they may not know if they have enough coverage. There are several factors that car owners in the Lees Summit, MO area need to consider when trying to figure out whether or not they have the right level of auto insurance coverage.

State Requirements

When you are first trying to figure out if you have enough auto insurance coverage, you first need to make sure that you are in compliance with the state laws. Missouri has mandatory levels of liability coverage that all drivers need to have. When driving on the road in Missouri, you will need to have liability property damage coverage of at least $10,000 and liability bodily damage of at least $25,000 per injured person with a minimum per-incident cap of $50,000.

Cover Your Vehicle

While the law does not necessarily require it, you will also want to make sure that your vehicle is covered in the event of an accident, theft, or damage. Ideally, you should have enough collision and comprehensive coverage to pay off any car loan that you have and to reimburse you for any equity that you have in your vehicle. This will ensure you are protected against a financial loss. 

If you own a car in the Lees Summit, MO area, you should reach out to the Epic Insurance company to further discuss your auto insurance needs. The team at Epic Insurance will be able to work with you to determine what type of insurance coverage properly meets your needs to ensure you have the right type of coverage. They will then help you get into a great policy to give you peace of mind.

 

Dos and Don’ts for Auto Insurance

When searching for auto insurance you will want to find the best deal. While you may think that skimping on coverage is the best way to save money, that’s not the case. Keep these things in mind about getting car insurance when shopping for insurance at Epic Insurance.

Do Make Sure the Policy Reflects Current Needs

Many times, people get their policy and then just forget about it. Different situations could arise that require you to change your policy. Look at the current mileage and value of your car and see if anything has changed. Always make sure to keep your personal information updated. If you have gotten married or an advanced degree, you may be able to save.

Do Consider Collision Coverage

If your car is old, you may not want collision coverage because the insurance company would likely just consider your car a total risk. If you don’t have collision coverage, make sure that you have enough saved or put aside to use for repairs or on a down payment for a new car.

Don’t Get the Bare Coverage

While you have to get the required insurance for Lees Summit, MO, it’s a good idea to get a little more coverage so you aren’t on the hook for car damages or medical expenses and your other assets are protected.

Don’t Skimp on Coverage for Uninsured Motorist Coverage

If you are in an accident with someone who doesn’t have auto insurance, you will be on the hook for all of the expenses if you don’t’ have uninsured or underinsured motorist coverage. While it’s a requirement to have insurance, many people don’t in Lees Summit, MO and you want to make sure you are covered.

Contact an agent at Epic Insurance to find the right auto insurance for your needs.

5 Ways to Prepare Your Car for Fall

Fall is a time to gear up for Thanksgiving and Christmas holidays. In all your planning, don’t forget to prepare your vehicle for cooler weather to come. Your vehicle should be in optimum condition for holiday travels and your insurance up to date. You can easily update your policy by contacting an Epic Insurance agent in Lees Summit, MO. Here are a few other ways you can prepare your vehicle for fall.

Routine Inspection

Have a mechanic give your vehicle a thorough inspection, checking brakes, tires, belts, hoses, and fluids. You don’t want to risk getting stranded out in the cold.  A thorough vehicle inspection after summer will make it safer to drive in fall and winter weather.

Repair Blemishes

Repair scrapes and scratches on your car’s finish before winter sets in earnest. Harsh winter weather will only make these worse. You can often fix minor imperfections yourself with an auto repair kit from your local auto shop. DIY repairs will save money and improve the exterior appearance of your car.

Check Tires

Fall’s a good time to check your tires for wear and tear. Driving with worn tires will increase your risk of accidents on icy Missouri roads. If you plan to drive extensively this winter, consider investing in a new set of snow tires.

Update Floor Mats

Floor mats often take a beating during summer due to extensive summer travels. Investing in quality floor mats will keep your car cleaner and protect your vehicle’s carpeting all winter long.

Prepare a Roadside Emergency Kit

Prepare a roadside emergency kit and keep it stored in your car. This kit could save your life in the event of a breakdown or accident in a winter storm.

At Epic Insurance, Lees Summit, MO, your safety on the road is our priority. Contact us for all your auto insurance needs.

Will Your Auto Insurance Repair Your Car?

Lees Summit, MO residents are no strangers to car accidents. If your car suffers damage in an accident, you may think your insurance policy will kick in to help cover repairs. Most basic insurance policies don’t cover repairs. If they do, they may only cover very limited circumstances. Here’s a look at how car insurance works when it comes to repair.

Know Your Policy

Don’t assume your car insurance policy will cover damage of any sort. You should know precisely what your auto insurance covers and what it doesn’t. Many people only have liability coverage. Liability will only cover damage to the other person’s car or injuries to their body.

Collision and Comprehensive Coverage

You typically need optional coverage for things like car repair. Your policy may already have a limited amount of collision or comprehensive coverage, but that may not cover your car for severe damage or a total loss.

Optional collision coverage will cover repairs to your vehicle or replace it. Comprehensive coverage will kick in if something outside of your control damages your vehicle. This can include things like fires, storms, and vandalism.

If you’re not sure if your policy already has some form of collision or comprehensive coverage, then ask your insurer, or contact Epic Insurance. You may find you have none at all. If that’s the case, you should certainly consider adding this additional coverage to your policy.

In cases where you’re still making payments on your car, the lender may require you to have collision and comprehensive coverage. Occasionally, such as with older cars, this type of coverage isn’t always necessary. For example, if you own a vehicle you can easily replace out-of-pocket, then paying for the extra coverage may not seem feasible.

Everybody’s requirements differ in Lees Summit, MO. Because of that, it’s best to contact Epic Insurance today about the possibility of adding additional coverage.