Lyles Insurance
  • Home - Lyles Insurance
  • About Us
  • Contact Us
  • Blog
  • Request A Quote

Oh Deer! It's time to Add Comprehensive Coverage to my Auto Insurance Policy!

10/1/2013

0 Comments

 
Picture
Did you know that the months with the three most dear involved accidents occur in the month of October, November and December?  October ranks second of all months for deer related crashes. November ranks first, and December ranks third.


      Once you've owned a vehicle for quite a while, a vehicle goes through a certain lifestyle stage. When you buy it and finance it, you are required to carry comprehensive and collision coverage until the loan is paid off. But after that, then it becomes an option. Vehicles depreciate so quickly that it may not be worth carrying both comprehensive and collision coverage anymore.


      But what many people do not realize is that you can have comprehensive coverage without collision coverage, and you may be very surprised to see how little of an increase it is on your auto insurance premium. In many cases I have seen comprehensive coverage cost less than $10 a month.



How much does the average deer claim cost?


        I've researched several places for this, and have found varying answers in terms of dollar figures. But for most of the studies and research that I have seen, the average dear related claim is in the ballpark of $2800- 3300. That's a huge out of pocket repair expense if you do not have collision coverage!


Another thing I want to point out is that my particular area of Ohio, Michigan, West Virginia, Indiana, Pennsylvania and Virginia all have higher rates of deer incidents as compared to the rest of the country. In fact, West Virginia ranks number one in the country in terms of having the highest probability of a deer claim.


I have many customers who only carry comprehensive coverage during the fall months, when deer are out on the roadways more. They feel that during those months, it is worth having comprehensive coverage. I happen to agree.


 If you would like to get an Online Auto Insurance Quote, click on the link below, and I will quote you with several auto insurance companies and find you the company with the best rate. Or, if you wish, you can give me a call at 740-574-2618, and I will run your quote over the phone.


  
Get an Online Auto Insurance Quote.




0 Comments



Leave a Reply.

    Picture

    Author

    Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..

    Archives

    March 2021
    November 2020
    September 2020
    July 2020
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    January 2020
    October 2019
    September 2019
    June 2019
    May 2019
    April 2019
    March 2019
    February 2019
    January 2019
    December 2018
    November 2018
    October 2018
    September 2018
    August 2018
    July 2018
    June 2018
    May 2018
    March 2018
    February 2018
    December 2017
    September 2017
    August 2017
    July 2017
    June 2017
    May 2017
    April 2017
    March 2017
    February 2017
    January 2017
    December 2016
    November 2016
    October 2016
    September 2016
    August 2016
    July 2016
    April 2016
    March 2016
    February 2016
    January 2016
    December 2015
    October 2015
    August 2015
    December 2014
    November 2014
    October 2014
    July 2014
    June 2014
    May 2014
    April 2014
    March 2014
    February 2014
    January 2014
    December 2013
    November 2013
    October 2013
    September 2013
    August 2013
    July 2013
    June 2013
    May 2013
    April 2013
    March 2013
    February 2013
    January 2013
    December 2012
    November 2012
    October 2012
    September 2012
    August 2012
    July 2012
    May 2012
    April 2012
    March 2012
    December 2011

    Categories

    All
    Things You Must Know When Buying Snowmobile Insurance In Michigan

    RSS Feed

Lyles Insurance copyright 2020
  • Home - Lyles Insurance
  • About Us
  • Contact Us
  • Blog
  • Request A Quote