Let’s face it: car insurance can be extremely confusing, no matter how long you’ve been driving for or what kind of car you drive. Whether you’re fully covered or have minimum coverage, you’re still full of questions when your insurance company “highly encourages” you to go to a shop of their choice. The only real reason why they’re doing that is they have a contract with that shop, and they only want to have for the cheapest repair possible. However, “cheap” and quality collision repair don’t go together. There isn’t a single quality repair that completed in a rush. Car repair is extremely complex nowadays, which is why no repair is ever the same.
You Have The Right To Choose
As a customer seeking collision repair or merely seeking answers, the right to choose a body shop will always remain in your hands. With so much pressure from the insurance company, it makes you wonder what else they aren’t telling you? Here at Mid Island Collision Center, we get New York drivers asking us all sorts of questions concerning their car insurance policy. They often feel taken advantage of by their insurance company, and we are here to clear up some of that confusion. There are even some things affecting how much you’re paying that you may not also be aware of.
We’re here to explain five of those unknown things that car insurance companies don’t want you to know.
1. Where you live impacts your premium: Each state has a different car insurance premium. Here in New York, we’re part of the top 10 states with the highest insurance premiums, along with California, Texas, Florida, and more. The states with the cheapest car insurance premiums include Ohio, Virginia, Vermont, and more.
2. What kind of car you drive matters: A lot of people don’t know that the type of car that you drive plays a vital role in how much you’ll pay for your premium. Your car’s total value and even the safety rating factor in how much you’ll be paying for. If your vehicle has any special features, that will affect the cost of your policy.
3. Your age affects your insurance premium: Many people already know that age plays a role in how much you’ll pay on your premium. The youngest (typically 18 years old) and oldest (75+) drivers will pay the most on average. However, many drivers don’t know that your marital status, career, education level, and even gender affect your insurance rates.
4. The car insurance is for the car, not you: It’s only normal you wouldn’t want anyone driving your vehicle but yourself. Technically speaking, most car insurance policies cover the vehicle itself and not who is driving it. If you let a friend or family member drive your car and they get in an accident, your insurance might kick in. This isn’t for all insurance companies, so you want to ask your agent to know for sure.
5. There are ways you can lower your rates: Your insurance company isn’t going to let you know there are ways to lower your rates because, of course, they only see the money. Here are a few unknown ways you can lessen how much you’re paying on your premium:
Ask about available discounts.
Always pay bills on time.
Review your credit report.
Carefully choose whatever car you drive.
Why Choose Us
Here at Mid Island Collision Center, we only give the highest level of auto body repair. You deserve to know everything you’re entitled to when it comes to your insurance policy, and we feel it’s only right to let you know what a few of those things are.
We refuse to repair any vehicle that comes into our shop any other way but the OEM way because that’s the ONLY way cars should be repaired. No repair is ever the same, even if two identical cars were hit the exact same way. We would still complete a unique repair plan for each individual car, and that’s the quality of service you should expect out of a car repair.
Our technicians are all highly trained in OEM repairs because they know the importance of these repairs. We feel quite confident we’d be able to provide you with the excellence in customer service and high quality that you deserve. If you’d like to schedule an estimate or to get a free online quote, click here to get started. Or, feel free to give us a call at anytime at (516)-766-0101.
We look forward to hearing from you!