Michael Tran's Farmers Insurance Agency

A quick guide to car insurance: These car insurance tips will show you how to understand your auto coverage and pick an insurer. 1. You're a statistic.... To an insurer, you're not a person, you're a set of risks. An insurer bases its premium (or its decision to insure you at all) on your "risk factors," including some things that may seem unrelated to driving a car, including your occupation, who you are and how you live. 2. Don't just look at price. A low price is no bargain if an insurer takes forever to service your claim. Research the insurer's record for claims service, as well as its financial stability. Most states require only a minimum of auto-insurance liability coverage, but you should look for more coverage than that. 3. Go beyond the basics. Most states require only a minimum of auto-insurance liability coverage, but you should look for more coverage than that. 4. Prepare before you have to file a claim. Keep your policy updated, and re-read it before you file a claim so there are no surprises. Auto insurance helps protect you and your family in the event of an accident or other loss. It covers injuries and damages caused by an accident and for which you are legally responsible. It may also cover the cost of repairing or replacing your vehicle if it is damaged or stolen. At Michael Tran's Farmers Insurance Agency, we are committed to serving you, with unparalleled customer and claims service.