Car Insurance FAQs

  1. What should I consider when purchasing auto insurance?

You must consider several things when purchasing auto insurance. The Family Insurance agents at Strate Insurance Group can help you learn about and choose:

  • The appropriate amount of liability coverage for your specific needs
  • Optional coverages
  • The insurance company that offers the best policy for your needs and budget

Remember, don’t base your decision on premium alone. We will help you find the coverage that best suits your needs and lifestyle. In addition, we provide local customer service and claims response so you can be confident that we will be there for you when you need us.

  1. Does my car insurance policy cover people outside of my household whom I allow to drive my car?

Yes. Your auto insurance policy will cover anyone who you allow to drive your car.

  1. What is collision physical damage coverage?

Collision coverage reimburses you for the costs of direct physical damage to your vehicle if it collides with another vehicle or with another object, such as a telephone pole.

  1. What is comprehensive physical damage coverage?

Comprehensive coverage reimburses you for the costs of direct physical damage to your vehicle caused by events other than a collision, such as a hailstorm.

  1. How can I lower my auto insurance rates?

You can take several steps to lower your auto insurance rates. First, you can seek out competitive pricing. As a Trusted Choice® insurance agency, Strate Insurance Group works with numerous insurance companies and can provide you with comparative quotes for similar coverage. You can choose the policy that best fits your needs and budget.

You can also change your deductible in order to lower your car insurance premium. In fact, you can decrease the cost of your car insurance by nearly 10% by simply choosing a higher deductible. But remember, you must be confident that you can satisfy your deductible if you have a claim.

Most insurance companies offer a variety of discounts to help offset the cost of coverage. We will help you make sure that you are taking advantage of all of the discounts that you are eligible for, including multi-policy and multi-vehicle discounts, various safety and security discounts, group or association discounts, and more.