Proudly Serving the Insurance Needs of the People and Businesses of the Blackstone Valley for Over 35 Years
At Hunter Insurance, we are able to offer you superior coverage at a competitive price. For the past 35 years, we have provided customers in Rhode Island, Massachusetts, and Connecticut with quality and affordable insurance. As an independent Trusted Choice agency, we are able to choose from a group of reputable insurance companies and underwriters. Whether it's home, auto, or business coverage, we create insurance programs that are personalized for your needs. We also offer life insurance and annuities, disability, and long-term care insurance, as well as retirement and college savings plans.
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WHEN SHOULD I TAKE COLLISION COVERAGE OFF MY AUTO POLICY?
The rule of thumb for dropping collision insurance is to drop it when a vehicle’s annual collision premium, plus the deductible, cost more than 10% of the vehicle’s current value. Some experts also advise dropping collision insurance when the vehicle is more than 10 years old. Since the average driver gets into an accident once every 10 years, these rules exist to keep drivers from paying more for insurance over time than they would get from filing a claim. However, you should think of these rules as loose guidelines while also taking your individual circumstances into account. For instance, if you cannot afford to replace your vehicle and you need it for transportation, dropping collision insurance could leave you stranded or in debt. Similarly, if you have a history of at-fault accidents, or a teenager is leaning to drive using your vehicle, you are particularly likely to need collision insurance. You can calculate your vehicle’s insurance by going online to Edmonds, Kelley Blue Book or NADA. Very few auto accidents are 100% at fault. Most accidents are settled on a percentage of blame. For example, if you are involved in an auto accident and it is determined that each driver…