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Friendly Auto Insurance

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Friendly Auto Insurance

Acquiring friendly auto insurance can be incredibly stressful, especially when you’re used to the friendly and personal service you received from your previous provider. Regarding your insurance coverage, don’t accept less than you deserve. Make sure you get some close auto insurance!

Types of Car Insurance

Friendly Auto Insurance comes in various forms, and it can be challenging to know which one is right for you. 

Liability, collision, full coverage, personal injury protection, and uninsured motorist underinsured driver coverage are the most popular types of auto insurance.

Each type of insurance has benefits and coverage limits, so it’s essential to understand your needs before choosing a policy. 

Liability insurance protects you from any damages or injuries caused by your vehicle in an accident with another vehicle or property.

What is Personal Injury Protection?

Personal injury protection (PIP) coverage is a feature of auto insurance that help pay for your medical expense’s and lost wages if you’re injured in a car accident, regardless of who is at fault. PIP coverage is required in some state but optional in others. If you have PIP coverage, it will usually kick in after your health insurance pays out. PIP can help cover things like ambulance rides, surgery, and x-rays. However, this type of coverage only covers injuries related to car accidents. It won’t cover damages outside the vehicle, such as those sustained while walking down the street or playing basketball with friends.

3 Things to Look Out For in Car Insurance Rates

There are a few things you should be aware of when you’re shopping for car insurance:

  1. Your rates will vary depending on the type of car you drive. If you have a luxury car, you can expect to pay more than someone with a basic sedan.
  2. Your driving history will affect your rates. You’ll likely pay less if you have a clean record than someone with accidents or speeding tickets.
  3. Your location also play a role in determining your rates.

Understanding Bodily Injury Coverage

Bodily injury coverage is essential for several reasons:

  1. It can help cover the cost’s of medical bills if you’re in an accident.
  2. It can help protect your assets if you’re sued.
  3. Knowing that you are protected can be a source of comfort.
  4. It can help you avoid financial ruin if you’re involved in a severe accident.
  5. It’s required by law in many states.
  6. Insurance companies typically offer discounts on this type of coverage.
  7. Bodily injury coverage may not be enough to fully protect you and your family because there are limits on what they will pay out.

Your Car Doesn’t Have to be New to Get Good Rates

You don’t need a new car to get reasonable rates on auto insurance. Many insurance companies offer discounts for older vehicles. Plus, numerous strategies decrease your premium, regardless of the car you drive. 

Here are a few tips: 

  • First, ensure you understand all discounts for your vehicle and its driver(s). For example, some insurance providers will provide up to 20% off their comprehensive and collision coverage if you fit your vehicle with an anti-theft system.
  • Second, be sure to shop around before renewing or buying a policy from any one company. The best way is by comparing quotes online with at least three different providers before making a decision.

Buying an Affordable Used Car

Buying an Affordable Used Car

Buying an Affordable Used Car

Finding a used car can be challenging, but it doesn’t have to be. You can get a great deal on a reliable vehicle with some research and planning. 

Here are a few tip’s to help you get started:

  • Shop online first: Comparison shopping is much more accessible online. In many cases, prices are lower than buying from a dealer or individual seller. 
  • Know your budget: You should set a realistic budget that fits your needs and find cars within that price range. For example, if you’re looking for an inexpensive second car, there’s no need to spend $10,000 or more! A basic Toyota Corolla starts at about $5,000, and the Honda Civic is even less expensive. Just make sure the car model you’re choosing will fit your lifestyle by doing some research. Remember also that most cars depreciate as soon as they leave the lot, so try not to buy anything too new if possible.

5 Ways to Keep Premiums Low and Protect Yourself at the Same Time

  1. Look for discounts. Friendly auto insurance companies offer various discounts that can save you money. Be sure to ask about them when you’re shopping around.
  2. Pay your premium in full. Many insurers offer a discount for paying your premium in total upfront. This can help you avoid interest charges and keep your overall costs down.
  3. Consider a higher deductible. A higher deductible means you’ll pay more out of pocket if you have an accident, but it can also lead to lower premiums. Some auto insurance provider will allow you to customize the type of coverage on your policy. If you don’t often drive or live in a low-risk area, consider decreasing the coverage you purchase to save money on monthly premiums. 
  4. If you’d like help saving money on auto insurance premiums or finding the right company for your needs, contact us today!
  5. Take advantage of roadside assistance. Roadside assistance program give you peace of mind and immediate help if you get into trouble while driving. They cover services such as changing tires, jumpstarting a battery, or providing gas if your car runs out on the side of the road. Friendly auto insurance companies offer this service at no additional cost, so check for it before making any decisions.


Overall, Friendly Auto Insurance is a great company. They quickly respond to claims and questions and work hard to get you the best possible rate. Anyone seeking a new auto insurance provider should consider them. The only complaint I have about them is that finding someone who speaks fluent English on their customer service line can be challenging. I’ve had to call back several times because I was transferred and couldn’t understand what was being said. Other than that, Friendly Auto Insurance has been great!

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