One of the easiest ways to save money on auto insurance is to insure multiple vehicles under a single policy. Insurance companies in Fort Payne, AL, often offer multi-car discounts when you insure two or more vehicles. This particularly benefits households with multiple drivers, as it simplifies managing policies and reduces premium costs.

A multi-car policy allows the insurer to spread the risk across more vehicles, making it less costly for them and, in turn, offering lower rates. To qualify, the vehicles typically need to be registered at the same address, but different family members can own them. By bundling vehicles, customers can take advantage of a discount, usually ranging between 10% to 25%, depending on the insurer.

Bundling Auto Insurance with Other Policies

Bundling auto insurance with other types of insurance, such as homeowners, renters, or life insurance, is another effective way to lower overall insurance costs. Many insurers offer significant discounts when you purchase multiple policies from them. This practice, called bundling, saves money and makes managing insurance easier by consolidating coverage with a single provider.

When you bundle auto insurance with home or renters insurance, the discount can be as high as 20% or more. Additionally, insurers may offer better customer service, streamlined claims processes, and other perks for policyholders who choose to bundle. This can lead to both short-term savings and long-term advantages, including loyalty benefits. The goal should always involve communicating with your insurance agency about what is offered and when.  

Attain Insurance For a Better Understanding of Insurance

Attain Insurance offers all of the information you need to get insurance. Our agency serves the locations in and near Fort Payne, AL. Call today.

Expert Guide to Safe Winter Driving

Winter driving in Fort Payne, AL can be terrifying and risky, especially in regions with treacherous winter precipitation. The professionals at Attain Insurance recommend preparing your vehicle for winter to ensure safety during emergencies.

Winter Driving Preparation Tips

Follow this guide to prepare your vehicle for winter driving. Maintain your car health – check battery, maintain tire tread, clean wipers, ensure no-freeze washer fluid, and check the engine’s anti-freeze. Plan your driving route in advance and communicate it with family or friends.

Winter Driving Best Practices

Educate yourself on handling a skid, understand your brakes, provide extra distance between vehicles on slippery roads, and safely idle your vehicle, ensuring you clear the exhaust pipe.

Essentials to Keep in Your Car

Essentials you should always keep in your car include a flashlight, jumper cables, abrasive material for traction, a shovel, snow brush, ice scraper, warning devices like flares, and blankets. For long journeys, include nonperishable food and water.

Attain Insurance: Your Preferred Insurance Agency

For more information about protecting your vehicle further, contact the Attain Insurance team at 256-845-8979 or online.

Making Your Winter Journeys Safer

Winter roads are unpredictable. Encountering issues on the road during this season can be challenging and stressful. That’s why we’re here to help. Our experts at Attain Insurance can provide you with a comprehensive auto policy that fits your needs, giving you the confidence and security to navigate through the winter season safely. Contact us today to learn more.

Car insurance is crucial if you’re driving in Fort Payne, AL. However, understanding the various types of coverage can be complicated. Attain Insurance simplifies the different types of auto insurance coverage, giving you the knowledge to make wise decisions on safeguarding yourself and your car while driving.

1. Liability Insurance

In almost all states, you must have liability insurance which pays for damages to other people’s property or medical expenses if you are responsible for an accident. However, it does not cover any damage to your vehicle. Nevertheless, it is essential as it offers vital protection from damage to third-party belongings.

2. Collision Coverage

If you get into a crash with another car or object, collision coverage is insurance that covers any damages to your vehicle. Although you can choose whether or not to get it, if you’re financing or leasing your car, the lender may make it mandatory.

3. Comprehensive Coverage

You can get comprehensive coverage, which will pay for damages to your car that result from non-collision incidents such as theft, vandalism, weather damage, and animal collisions.

4. Personal Injury Protection

In Alabama, you can purchase Personal Injury Protection (PIP) insurance, which can cover medical expenses and lost wages for you and any passengers involved in an accident.

5. Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage can be useful if you are involved in an accident with a driver who either lacks sufficient insurance to pay for the damages or has no insurance. This coverage helps cover expenses such as property damage, lost wages, and medical bills.

Understanding the different types of auto insurance coverage can help you make informed decisions in Fort Payne, AL. Contact Attain Insurance to discuss your situation and find the right auto coverage for now and the future.

Basic auto insurance is the minimum the state requires to be able to drive in Alabama. It is liability only and does not offer any protection for your car. In Fort Payne, AL, Attain Insurance has a team of insurance experts who are here to help you to make the right choice when it comes to auto insurance that is right for you. 

In Alabama, the basic amount of auto insurance required is 25/50/25. That is $25,000 for personal injury, $50,000 for more than one injury, and $25,000 for property damage. This may or may not be adequate coverage for you. Your coverage should reflect your assets. 

If you are like most people, you depend on your vehicle to do your regular daily activities. If you are in an auto accident, you might not have the ready cash to pay for any repairs or to replace the vehicle if it is a total loss. There are types of insurance that could help if you have the coverage. 

Collision coverage

If you are responsible for an accident, a single-car accident, or a hit-and-run victim, you must pay to have your vehicle repaired. If that is a challenge, it makes sense to have collision insurance unless your car has very little value. 

Comprehensive coverage

Comprehensive coverage for your vehicle covers just about everything but a collision. It covers theft or vandalism, deer damage from an impact, and many weather events. If a branch falls from a tree, you are covered; if hail damages your paint, it’s covered. Glass is also included, and having complete glass coverage is a good idea. 

Contact Attain Insurance in Fort Payne, AL, for information about auto insurance coverage. 

Your auto insurance from Attain Insurance covers damage to your vehicle and liabilities when accused of bodily injury and property damage. However, you need to understand that your auto insurance doesn’t cover all risks under the sun. Knowing your auto insurance exclusions simplifies the claim process and helps you purchase “add-ons” to boost your auto insurance policy.

Here are the common auto insurance exclusions you need to know:

Business use

Do you use your vehicle to run business errands? Your claim is likely to be ignored if your car is involved in an accident while doing business-related operations. The only way you can mitigate this risk is by upgrading your standard auto insurance to commercial.

Personal items

Has your laptop been stolen from your car? Has your phone sustained damage during a car accident? Your typical auto insurance doesn’t cover loss or damage to your personal belongings. For such losses, you have to rely on your home or renters insurance. Plus, you can consider a personal items “add-on” in your car insurance to cover such risks.

Custom parts and equipment

Usually, typical auto insurance covers parts that are standard in your vehicle. For instance, if you have a built-in radio or GPS system, your insurance may repair or replace the item when calamities strike. However, custom equipment isn’t covered by your auto insurance. These include items like a detachable sound system, engine tune-ups, and custom-designed seats.

Racing events

Typical car insurance won’t cover damage and injuries sustained in racing and stunting events. However, you can purchase a “rider” to cover perils associated with these car events.

Driving outside the US

Your typical car insurance ceases to operate when you leave the US borders. For instance, if you have an accident with your car in Mexico, your standard auto insurance won’t cover the damage. As such, it’s wise to talk to your insurer when you want to drive outside the country.

Car insurance in Fort Payne, AL 

Looking for an affordable car insurance policy? Please get in touch with Attain Insurance, serving Fort Payne, AL and the surrounding regions.

If you are a driver in Alabama, you already know that you need to have mandatory liability insurance and other auto insurance basics. The Fort Payne, AL roads can get pretty dangerous, and if you are not adequately insured, you may end up paying large sums of money for injuries or lawsuits. In order to stay safe, Attain Insurance recommends buying adequate coverage to protect you and other road users in Alabama. Here is what you should know about auto insurance in Fort Payne, AL.

Alabama uses the ‘fault’ system 

When it comes to financial responsibilities for vehicle damage and injuries, Alabama uses the ‘fault’ system to make things easier and transparent for drivers. That means if you are at fault in the event of an accident, you are responsible for any damage, loss, or injuries sustained in that accident. Depending on your agreement, third parties can:

• File claims with their insurance provider
• File a claim your insurance provider or 
• File personal injury lawsuit

Liability coverage is mandatory

The state of Alabama requires all drivers to carry minimum liability coverage in the following sections:

• Property damage for an accident that you accused
• Bodily injury liability when two or more people are injured in an accident where you were at fault.
• Bodily injury liability when a person is injured in an accident that you caused.

Basic coverage pays for property damage, medical bills, and other costs. Note that when you get injured in an accident that you caused, liability coverage won’t help you. In this case, you may need to carry more coverage to protect yourself and your car.

There are penalties for driving without insurance.

If you are caught violating auto insurance laws, particularly the Alabama mandatory Liability insurance law, you could face penalties amounting to hundreds of dollars. Subsequent violations can lead to a more significant fine and/or license suspension.

For more details about auto insurance, reach us at Attain Insurance today!

You have auto insurance for your everyday needs, but does that still apply when traveling? What if you need to rent a car in Fort Payne, AL for business, or if you are going out of state? Trust Attain Insurance to answer all your car insurance questions, and continue reading to find the answers.

Does My Insurance Cover a Rental?

The short answer to this question is yes, as long as your insurance policy covers you to drive any car! If you are renting a car, you are still covered under your auto insurance policy, so be sure to bring your insurance information with you while you are renting your car. You will need this information if you get into an accident.

If you need to rent a car for an extended period of time, it’s a good idea to check with your insurance agent to make sure your policy will cover you for that amount of time.

Do I Need Additional Coverage?

Probably not, but you can consider it. Your car rental company may try to convince you to purchase extra rental car insurance through them, often claiming that you will not have to pay as much money if you are in an accident. If you already have thorough auto insurance, additional coverage is not necessary. If you’re not sure what your policy covers, talk to an agent at Attain Insurance today to check up on your current policy or set up a new policy.
 

Whether you’re just renting a car close to home near Fort Payne, AL, or you’re going on a cross country road trip, you want to make sure you have the proper coverage. Once you have your auto insurance squared away, you’ll be on your way to a great trip!

As a classic car collector in Fort Payne, AL, you love taking your beautiful cherry autos to car shows. However, you don’t have specialized classic car insurance through Attain Insurance, which is a problem that will seriously impact your life if your vehicle is damaged at a show.

Your Policy Will Pay for Auto Show Damage

During an auto show, you aren’t going to be near your vehicle at all times. You’re likely going to be exploring the floor, checking out other vehicles, and having a great time interacting with other car owners. Unfortunately, your vehicle may be damaged during this period by vandals or well-meaning viewers.

When this happens, your classic car insurance will pay for the damage under the clause known as “No Attendance Required.” This clause states that the vehicle doesn’t have to be under your control or care for your policy to protect it from damage. Make sure that your policy includes this clause to avoid serious heartache.

Medical Injuries are Also Covered

While your car is likely to stay parked during an auto show, there are times when it will be in motion. For example, there may be a moving display event outdoors or even inside that showcases your beautiful car in action. Unfortunately, these events may cause injuries in unsafe spectators.

Thankfully, your classic car insurance will pay for any injuries that your car causes in this situation. This coverage is known as “Auto Show Medical Reimbursement” and is a lot like the medical payments offered in general auto liability or homeowner’s insurance coverage.

Protect Your Car and Yourself

So if you plan on attending car shows near Fort Payne, AL or the surrounding areas, please contact us at Attain Insurance to find a classic car insurance policy that meets your needs. You’ll be glad that you took the time to make this decision.

When a teen gets close to getting their license, parents and teens usually have different feelings.  While the teen is excited at the prospect of new freedom, the parents will have some concerns about making sure that their youth is safe while they are on the road.  The team at Attain Insurance understands the situation and can help everyone with their new responsibilities.  Their agents, working with Fort Payne, AL area families, have found that involving teens in the car insurance process helps them to understand the importance of good driving habits and the benefits to maintaining a clean driving record.  As they gain more experience, they will be able to see that their rate actually gets lower over time. 

When shopping for insurance, teens and their parents need to talk with their agent.  In many cases, it will be cheaper for the teen to be added to the parent’s existing policy.  Also ask if the insurance company offer discounts for students who maintain good grades or take a driver’s education class.  If the teen is a college student, there may additional discounts related to their enrollment, grades or how often they drive.  Lastly, carefully consider which vehicle the teen will be driving.  As the teen will most likely be the most expensive to insure, the vehicle they drive should be the least valuable to mediate the costs. 

Before a teen begins to drive, there are many questions that will need to be addressed.  Families are not only concerned about safety, they are aware of the increased costs of insuring a teen driver.  The agents at Attain Insurance are ready to answer the many questions during this time.  They work hard for the people in the Fort Payne, AL area to ensure that they have lowest rates for the best coverage. 

Your auto insurance is your protection against a different vehicle colliding with your vehicle if they would be at fault unless you would purchase additional auto insurance protection.

With this additional collision and comprehensive coverage, you would just need to find out if it would be necessary based on a couple of criteria, such as whether your vehicle is worth more than $2,000, according to the Alabama Department of Insurance, and if you would need this coverage because you have an auto loan with a lender that would require it. 

If you were to decide to purchase this additional insurance with our insurance agency, Attain Insurance in Fort Payne AL, you would then have the coverage that you would need to pay for your collision with another vehicle if you were at fault for your expenses, such as any vehicle repairs for your vehicle.

Your comprehensive coverage would pay for most other types of damages to your vehicle, such as from your vehicle fire, any inclement weather damage including flooding, any vandalism that would cause permanent damage to your vehicle, or if your vehicle were stolen. You would also find that your comprehensive policy would pay for any windshield damage with your vehicle that would not be related to any collision with a different vehicle.

These two types of auto insurances would also require you to pay your deductible, also, per your usual vehicle insurance payment process. This fee would be determined by you, also.

You would just be able to contact our vehicle insurance associates at Attain Insurance in Fort Payne, AL to find out any additional information that you may need to know about our optional insurance coverage.