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Regardless of whether you live in a big city or if you happen to live in a small town like Albertville, Minnesota, it pays to have auto insurance coverage that protects you in the event of a potential loss. Although the town boasts a property crime rate that’s 62 percent lower than the state average according to recent statistics, it’s no reason not to have your vehicle covered in case it’s stolen. After all, statistics also show that one motor vehicle theft occurs every 44.1 seconds in the U.S.
Don’t bother looking at your liability coverage – it does not handle car theft, contrary to popular belief. Instead, the same coverage that takes care of windshield damage is what covers the cost of repairing or replacing your vehicle in the event it is stolen. Comprehensive coverage protects your vehicle under a wide variety of scenarios that don’t involve a collision with another vehicle, including fire, natural disasters, vandalism and of course, theft.
If you’re looking for car theft coverage, you won’t have to look far. Practically every insurance agency offers protection against theft under the comprehensive coverage. However, it’s up to you to add optional comprehensive coverage to your auto insurance policy. There are plenty of other steps you can take to protect your vehicle from thieves and vandals, from installing an immobilizer to etching your VIN number on your window glass. You may even receive discounts just for making your car safer and less attractive to thieves.
As your independent agent, we’re happy to lend our assistance if you have any questions about your current insurance coverage. We can also help you at comprehensive coverage to your current insurance policy. Don’t forget that we can also help you find discounts that can help lower your annual insurance premiums.