Auto Insurance
We are proud to go above and beyond your expectations of a standard insurance plan. Your protection needs are our priority and we aim to help you select quality and affordable auto insurance coverage you can truly rely on. Auto insurance can protect you from loss in the event of an unfortunate and unexpected accident. That is why it is vital that we have drivers enroll in dependable auto coverage plans.
We provide you with as many options as possible, allowing us the opportunity to build a tailored insurance plan that can be tailored to help meet your individual vehicle insurance needs.
Auto insurance generally includes the following coverages:
- Bodily injury liability
- Medical or personal injury protection
- Property damage liability
- Collision
- Comprehensive
- Uninsured motorist coverage
Our service extends past a standard policy. We will check to see if you’re eligible for any available discounts to help reduce your auto premium. Our dedicated agents will happily review your policy and make sure you are well aware of the coverage. Don’t leave your driveway unprotected! Contact us today and allow our agents to assist you.
Frequently Asked Questions About Auto Insurance
How does my 'Insurance Score' differ from my Credit Score, and how are you monitoring it?
Most people know credit affects rates, but insurance companies use a specific “insurance score” that weighs data differently (like longevity with a previous carrier). Since Keats Insurance Agencies is an independent agency, we can explain which of their carriers weigh these scores more favorably for your specific history.
If I make cosmetic or performance modifications to my car, is the 'custom equipment' automatically covered?
Standard policies often only cover the vehicle as it came from the factory. If you add high-end rims, a custom sound system, or performance parts, you often need a specific endorsement. Keats agents specifically advise clients to report these changes, so they don’t lose thousands in a claim.
Does my policy include 'Original Equipment Manufacturer' (OEM) parts coverage?
Many budget policies allow repair shops to use “aftermarket” or used parts to save money. You should ask us if your specific carrier offers an OEM endorsement, ensuring that if your car is repaired, it’s done with brand-new parts from the original manufacturer.
If I’m in a 'not-at-fault' accident, will my rates still go up at renewal?
This is a nuanced area that varies by state and carrier. Because Keats works with multiple companies, they can help you select a carrier with “First Accident Forgiveness” or one that is statistically more “forgiving” of non-fault incidents like being rear-ended or hitting a deer.
What is the 'Step-Down' provision in my policy for guest drivers?
Most people assume their full coverage follows the car when a friend borrows it. However, some policies have “step-down” provisions that drop your coverage limits to the state minimum (which might be very low) if a non-listed driver is behind the wheel. Ask us to check your policy for this hidden trap.