3 Tips for Buying Your First Auto Insurance Policy in Bradley, WV

Auto insurance protects you, the driver, from liability should you cause an accident. It also protects you if the other driver is at fault and uninsured or underinsured. There are many reasons to get auto insurance when you buy a new car, especially the fact that it’s mandatory to have before registering your vehicle. If this is your first time purchasing an auto insurance policy and you’re not sure where to start, read on to learn about these tips brought to you by Redden Insurance Agency. 

1. Work with a Reputable Agent

Buying auto insurance can feel like a hassle unless you use a reputable insurance agent to help you. This takes the stress out of buying your first policy in Bradley, WV. We understand that the unknown can be intimidating, but once you are working with an agent by your side, the process is stress-free and even easy.

2. Compare Several Quotes

Once you’ve selected a reputable insurance agent to work with, you can start comparing several quotes. Your agent will ask you a few questions to determine which quotes to look at. Together, you will go over three or more quotes to find the best coverage for a price within your budget.

3. Bundle Your Policies

Do you have any other insurance policies, such as life or home insurance? If so, you can bundle your policies under one insurance carrier and save on your premiums. Talk to your insurance agent about getting this done.

To learn more about purchasing your first auto insurance policy, contact the team at Redden Insurance Agency, serving the Bradley, WV area. Our reputable agents are available right now to take your call. 

An Introduction to Auto Insurance

Every state in the US requires some form of auto insurance coverage. Redden Insurance Agency of Bradley WV wants West Virginia drivers to understand the minimum coverage requirements and how that modest coverage may not suit your needs.

The Auto Insurance Requirements

In WV, you must carry a policy that provides liability coverage, bodily injury coverage and uninsured motorist coverage. Here are the required amounts of coverage.

  • liability for bodily injury in the amount of $25,000 a person with a per accident cap of $50,000,
  • liability for property damage per accident in the amount of $25,000,
  • uninsured motorist coverage for bodily injury of up to $100,000 a person with a per accident cap of $300,000,
  • uninsured motorist coverage for property damage with a per accident cap of $50,000.

How They Check for Insurance

Any law enforcement officer in WV can pull your car over to conduct an insurance check as long as they have caused. This can be as simple as informing you that you have a broken taillight. You must provide proof of your insurance which the officer will verify electronically. Without proper insurance, you will be subject to a suspension of your driver’s license and/or a fine.

Other Insurance Coverage

You are not limited to only the bodily injury and property damage liability plus uninsured motorist protection required by state law. You can also purchase the following types of insurance coverage:

  • Personal Injury Protection to cover your own medical costs if you sustain accident injuries.
  • Collision to pay for repairs to your vehicle or vehicle replacement if totaled.
  • Comprehensive to repair or replace your vehicle if it gets damaged by severe weather, stolen or vandalized.

Redden Insurance Agency of Bradley WV wants you to have the coverage you need. Call us today to find the auto insurance that protects your vehicle and your finances.

Driving Habits that Can Improve Safety on the Road

Good driving habits can reduce your risk of causing an accident. Fewer accidents on your driving record could help qualify you for reduced auto insurance costs. The following tips from Redden Insurance Agency, Bradley WV, can help you develop good driving habits that will improve your safety on the road.

Drive Defensively

When you drive defensively, you look out for the welfare of others and make safety a priority. In addition to following road rules, you make an effort to avoid dangerous situations that increase your risk of an accident. This includes driving distractedly, driving when you’re fatigued and driving under the influence of alcohol or drugs.

Slow Down

Speed is one of the biggest causes of accidents, particularly on the highway. By obeying speed limits, in both city and highway driving, you reduce your risk of accidents. Slowing down will enable you to maintain better control over your vehicle to avoid collisions or running off the road.  

Signal When Changing Lanes and Turning

Neglecting to signal when changing lanes or turning increases your risk of causing an accident. Your turn signals reveal what you plan to do when driving so other drivers can anticipate your actions and react accordingly, in a safe and timely manner.  Using your blinkers when changing lanes or turning increases safety on the road.  

Yield Right of Way

Yielding the right of way is another safe driving habit that can help protect you against accidents. It keeps traffic flowing smoothly, reduces your risk of rear-ending another driver and may even curtail instances of road rage, particularly during rush hour.

Safe driving habits combined with the right auto insurance coverage will protect you and others against mishaps on the road.  For help in obtaining the auto coverage you need, contact Redden Insurance Agency, Bradley WV.

Why Do I Need Auto Insurance?

Insurance can seem like a complicated thing, and many people wonder why it is even necessary. Redden Insurance Agency wanted to help you understand just why auto insurance is important, so following are the biggest reasons for insurance:

To Be Legal

The first reason you should have car insurance is because it is mandatory. Almost all states require that you carry at minimum liability auto insurance, but the amount of liability coverage varies depending on the state. In Bradley WV, you are required to have the following coverage:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage per accident

While this coverage makes you legal, you should consider additional coverage as liability is not always enough.

To Protect Yourself and Others

Insurance protects you and others from much of the financial expenses incurred due to an accident. Should you be in an accident and found to be at fault, you will be responsible for the damages and medical expenses incurred due to the accident. Without insurance, you will have to cover those costs out-of-pocket, something most people cannot do.

However, if you have insurance, you should not be responsible for all of those costs. As you have been paying premiums, it is similar to saving for such an accident. When an accident occurs, the money you have put into the policy is then put to work covering costs. Depending on your policy, you may still be responsible for additional costs in the form of deductibles.

Your cost will also be dependent upon the type of coverage you have. With liability, the other party will be covered, but your own medical expenses and damages usually will not be. This could cause a lot of trouble if you do not have money put away to repair your vehicle. How will you get your car back on the road? It is better to carry additional coverage so that you are covered, as well.

Let us here at Redden Insurance Agency show you the benefits of auto insurance coverage in Bradley WV. Stop by or give us a call for your no-obligation quote today!

Avoid Distracted Driving for Safety on the Road

Distracted driving can lead to accidents. It’s easy to forget about this when you’re behind the wheel and your phone notifications start blowing up. You can learn more about how distracted driving impacts your insurance in Bradley WV from Redden Insurance Agency representatives. In the meantime, follow the tips below to stay focused on the road.

Tips to Avoid Distracted Driving

Finish your dressing and grooming at home. Pulling off jackets and sweaters can cause you to swerve out of your lane. It’s a really dangerous habit to take your eyes off the road to fix your hair.

Many people bring snacks and beverages along on their way to and from various destinations. Be sure to secure your beverage container with a lid to avoid spilling the contents and possibly causing an accident due to distracted driving. If you travel with kids, ensure that they are buckled in before you start the car. If children demand your attention, pull off the road to address the issue.

Don’t use your cell phone while driving. This should be reserved for navigation or emergencies only. Otherwise, leave the cell phone turned off to avoid distractions. Ask passengers to remind you about any bad driving habits that could lead to distracted driving.

If something occurs that demands your attention, pull off the road in a safe place to communicate with your passengers or to call the appropriate authorities. Generally, if you can’t devote your attention to driving, take care of the issue before you get behind the wheel.

For more information on how distracted driving can impact your insurance rates and coverage, contact Redden Insurance Agency today. Our representatives can help you with all your auto insurance needs in Bradley WV.

Is it time to upgrade your auto insurance?

Auto insurance is often thought of as something that is reviewed initially, and then just renewed as the years go by. Unfortunately, this is not always the case as just like other insurances, there are times when your coverage will need to be changed. If you are in the greater Bradley WV area and are in need of an auto policy review, it’s time to come see the folks at Redden Insurance Agency. Our team of experienced agents is here to provide the information you need to make an informed decision about the right auto insurance policy for your needs. 

Signs You May Need to Upgrade Your Auto Insurance

There are a number of different events that can trigger the need to take a closer look at your current auto insurance policy. Let’s take a closer look at a few of them:

  • You have paid off your vehicle – making sure that your insurance has adequate coverage for a replacement vehicle if yours is totaled is an important feature for your auto policy to have.
  • Changes in the age of covered drivers – teenage and senior drivers require different coverage levels and types than other drivers that you may have covered on your policy.
  • Adding or removing vehicles from the policy – if you have a number of vehicles that you are protecting, it may make sense to upgrade to fleet coverage if you add another vehicle.

If you haven’t thought about your auto insurance policy in a while, now is a good time to have it reviewed for completeness. Contact the helpful team at the Redden Insurance Agency today and one of our local agents can help you determine if the policy protecting your Bradley WV vehicle is in need of an upgrade. 

What you need for an all-weather auto emergency kit

Preparing for an automobile emergency is a necessity to protect both you and your investment in the event of a mechanical failure or accident. The weather in Bradley, WV and throughout the state is changeable, and the items you need for a kit can vary based on the season. To ensure you have all the supplies you need at any given moment, the Redden Insurance Agency recommends preparing an all-weather kit to leave in the car 365 days a year. When needed, update individual supplies as they near expiration

Basic first aid

A standard first aid kit with a variety of gauze sizes, bandages, antiseptic cream, a thermometer, pain reliever, gloves, scissors, tweezers, sticky tape, hydrocortisone cream, cough medicine, antihistamine tablets, alcohol or alcohol wipes, eye bath, distilled water, and a shock blanket is a major first purchase.

Basic supplies

Other standard components of an emergency kit help other vehicles see you when you are on the side of the road. A backup battery charger and cord for your phone makes it easy to stay in touch with a towing vehicle or emergency responders without worrying about phone life.

Foldable hazard triangles, a flashlight, and flares can help you advise of a traffic hazard or signal for help. Add reflective tape or a reflective vest for performing vehicle repairs on the roadside.

Weather-specific emergencies

In the cold weather, it is advisable to have a warm blanket or coveralls and a heavy jacket stashed in your vehicle for potential breakdowns in freezing temperatures. Add a few snacks like protein bars and necessities like bottled water to your emergency kit to stay hydrated and nourished during a major weather event when an emergency response may be delayed. Put sunscreen in your car to protect the skin if a breakdown occurs on a sunny day.

Repair tools

Purchase a basic tool kit for the trunk that includes a screwdriver, pliers, wrenches, and tape for minor repairs. Always have a quart of your car’s oil handy for pop-up leaks along with a small stash of coolant and window cleaner. Adding oil and coolant when a leak occurs is only a temporary solution to get your vehicle in for repairs and avoid being stranded on the roadside in adverse conditions. The same applies to stocking tire sealant, an inflation gauge and booster cables

The Redden Insurance Agency serving Bradley, WV is also prepared to help you and your family prepare for emergencies by providing all of your automotive insurance needs. Contact us for a free quote today to motor with confidence in spring, summer, fall, and winter.

Will My Bradley WV Auto Insurance Protect Me in a Lawsuit?

Automotive accidents happen every day, despite most of us trying very hard to avoid them. But, as the phrase suggests, accidents happen, you misgauge the speed of an oncoming car when turning or become distracted when backing out of a parking space. Whatever the case behind your Bradley, WV auto accident, our team at Redden Insurance Agency is here to help keep things simple and stress-free by getting you the right information to understand what happens next and how your insurance provider will assist.

After the Accident: How the Other Driver Gets Paid & How You Stay Protected

West Virginia has tort accident laws, which is to say that the person at fault of an accident is responsible for paying for the other driver’s property and personal injury costs related to the accident. All West Virginia drivers will be expected to meet their state’s minimum liability insurance policies.

Getting Sued for More: How Your Bradley WV Auto Insurance Will Protect You

If you are found to be at-fault for an accident, the first thing your insurance provider will do is negotiate with the other driver’s insurance company. In the vast majority of cases, you won’t ever be alerted as the two companies will resolve the matter between themselves.

However, if the other driver’s insurance company wants more than your policy limits offer, then they may file a civil lawsuit to try to recover the rest of the money from you (the amount over your policy limit). In this scenario, your insurance provider is contractually responsible for paying for court costs and for hiring an attorney on your behalf to negotiate the other company down, accept a settlement you agree to, or take the issue to trial.

Contact Redden Insurance Agency to Learn More

For more information about this subject, contact our team today. 

Will your auto insurance provide adequate coverage if your vehicle is totaled?

The team at Redden Insurance Agency is here to provide actionable information that helps you find the insurance coverage that is right for your family’s needs. Many people are unaware of the gaps that can sometimes occur in auto insurance coverage when a vehicle is totaled. If you are in the greater Bradley WV area and want to ensure that you have adequate auto insurance coverage in place, call or stop by our offices today!

Coverage for Totaled Vehicles

Many auto insurance policies contain coverage limits that can be met or exceeded in the event that your vehicle is totaled. When a vehicle is totaled, you will likely want to obtain a replacement car or truck of comparable value. Unfortunately, when it comes to replacing a car outright, there may be a gap between your policy coverage limits and the cost of the desired replacement car. In such instances, the policyholder will pick up the difference themselves, or downgrade their choice of replacement car so that their insurance completely covers the expense. While these are two workable solutions, they are not ideal. Ideally, your auto insurance policy will be sufficient to replace your totaled vehicle with one that is in line with your desires. Car accidents are stressful enough, there’s no reason to add more complications to the situation! Make sure that your policy is adequate for this possible occurrence.

Want to find out more about the comprehensive auto insurance policy options that are available to residents in the greater Bradley WV area? Call or stop by Redden Insurance Agency today and find out how to protect your car in the event that it is totaled. Now is a good time to ensure that you have the coverage you need.