Most drivers and business owners have their basic auto insurance in place—but basic doesn’t always mean you are fully protected. If you’ve already got liability, comprehensive, and collision coverage, it’s worth digging a little deeper to make sure your policy fits your current needs. For personal auto coverage, it’s smart to review your deductibles and limits each year. Adding optional coverages like rental reimbursement, gap coverage for newer vehicles, or roadside assistance can offer extra peace of mind without dramatically increasing your premium.
If your driving habits have change, like working from home more or buying a new car, the insurance professionals at Starke Agency recommend to update your policy. If you recently added a second vehicle or upgraded to a newer model with advanced safety features, that could also qualify you for discounts. Accurate information helps avoid claim issues and ensures you’re not overpaying for unnecessary coverage. Keeping a clean driving record, bundling policies (like auto and home), and using telematics or safe-driving apps can also help keep premiums low.
On the commercial side, coverage gets more nuanced. If your business uses vehicles for deliveries, driving to and from job sites, meeting with clients, or transporting equipment, a commercial auto policy is likely necessary—even for a single vehicle. Personal auto policies typically exclude business use, which could leave you uncovered in a claim. Commercial policies can be customized to include hired and non-owned auto coverage, cargo protection, and higher liability limits depending on your business type.
Good practices go a long way in avoiding claims. For personal drivers, regular maintenance (like tire checks and brake inspections) and safe driving habits reduce both risk and cost over time. For business owners, driver safety training, vehicle inspections, and enforcing cell phone policies on the road can significantly lower accident rates and insurance expenses.
Auto insurance should evolve with you. A quick annual review can help ensure you’re getting the best value while staying protected—whether you’re on the road for family or for business. Feel free to reach out to any of our staff for a review!
Written by: Will Clements
