auto insurance

The Most Overlooked Auto Insurance Coverages and Why They Matter

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When it comes to auto insurance, most people focus on the basics—coverages like liability or collision that handle the big-ticket items. However, smaller, often overlooked additions to your policy can make a significant difference when the unexpected happens. At Taake Insurance Agency, serving the greater Columbia, IL region, we believe understanding these lesser-known options is key to staying fully protected.

The Importance of Uninsured Motorist Coverage

Accidents happen. But what if the other driver doesn’t have insurance or enough coverage to cover the damages? Uninsured and underinsured motorist coverage steps in to protect you financially when someone else fails to. Without this, you could be left paying out of pocket for repairs or medical bills through no fault of your own.

The Value of Rental Car Reimbursement

Dealing with a car accident is stressful enough without worrying about how you’ll get around while your vehicle is in the shop. Rental car reimbursement ensures you’ll have a temporary vehicle to keep your life moving while repairs are underway. It’s a small investment that saves you from scrambling during an already difficult time.

Roadside Assistance for Everyday Emergencies

Flat tires, dead batteries, or even locking yourself out of the car—it happens to everyone. Roadside assistance coverage offers immediate help when you’re stranded, giving you peace of mind and saving you time.

Protect Yourself from the Unexpected

Auto insurance isn’t just about meeting minimum requirements—it’s about being prepared for the unexpected. At Taake Insurance Agency, providing auto insurance coverage throughout the greater Columbia, IL region, we’ll help you build a policy that includes the coverage you need most. Reach out today to get started.

Should Newlyweds Combine Auto Insurance?

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Maybe you read a blog that suggested newlyweds bundle their auto insurance. Perhaps you watched "The Closer" episode, in which Brenda and Fritz tried to bundle their auto policies and found out they should not. Taake Insurance Agency wants to answer the question, "Should you or shouldn’t you?" so you can enjoy married life in Columbia, IL.

When Does Bundling Policies Benefit You?

Combining auto coverage on one policy can reduce costs if both spouses have good driving records. Insuring two or more drivers and vehicles on a single policy typically results in lower premiums. When both spouses have spotless driving records and high credit scores, bundling benefits them.

When Does Bundling Policies Hurt You?

If one or both spouses have lost points on their license or had a DUI, they should not combine policies. In "The Closer," Fritz neglected to mention a DUI he had incurred. His poor driving record caused the bundled premium quote to be higher than what Brenda paid for her own auto policy. So, don’t bundle your insurance if either spouse has lost license points. Credit scores can similarly affect premiums, so the premiums may be higher if one spouse has a low or mid-range score.

Preventing Conflict

Instead of starting your marriage with an argument about the past because your auto insurance quotes reveal it, talk about finances first. Before you get married, sit down with each other and discuss your financial past, present, and your goals for the future. Include your insurance agent after you settle things with one another.

Contact Your Insurance Agent Today

Call or email Taake Insurance Agency today to find out about the best auto insurance options for you. Before you walk down the aisle in Columbia, IL, plan your finances and insurance.