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ACF Insurance Services Inc Blog: acf insurance

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As many drivers know, your driving record has perhaps the biggest influence on your car insurance rates. Keeping your driving record clean is easier said than done, however. The average person will be involved in around 5 accidents throughout their lifetime and not all of these are avoidable or even your fault. READ MORE >>

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While comprehensive and collision coverages are not required in North Carolina, it is extremely beneficial to have in the event you have damage to your vehicle. Only a few instances warrant dropping comprehensive and collision coverages from your policy. READ MORE >>

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If you carry full coverage on your auto policy then insurance will help you repair a broken or cracked windshield. Comprehensive coverage will take care of any damage caused by falling debris or hitting an animal. Collision coverage will take care of any glass damage that occurs during a car accident. READ MORE >>

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An insurance lapse occurs when an auto insurance policy is canceled and an individual has a period of time without insurance coverage. It is important to keep your insurance policy paid and active because if an accident occurs while a policy is canceled, insurance companies can deny claims. READ MORE >>

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There are many unique factors that can affect your auto insurance rates. The most obvious factor that affects your rate is your driving record. Individuals who have points on their license from accidents or traffic violations will have higher rates than those who do not. READ MORE >>

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To best determine which insurance coverages are right for you, it is important to understand what protections they offer. Collision coverage covers the cost of damage to your personal vehicle in the event of an accident. Collision coverage is important for individuals with newer vehicles that hold a high value. READ MORE >>

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While getting your driver’s license can be a fun, new experience, there are many possible dangers associated with it. Here are some tips that new drivers should consider to avoid accidents and tickets. The most dangerous and costly mistake that a new driver could make is driving while under the influence. READ MORE >>

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Hurricanes and tropical storms produce conditions that can be damaging to homes and vehicles. In times where property damage is imminent, insurance companies may put a moratorium in place. When a moratorium is in place, agents may be unable to write certain policies or update certain coverages. READ MORE >>

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When calculating your car insurance premiums, one of the first things an insurance agent reviews is your driving record. Drivers with a history of accidents of claims are considered to have a “bad driving record” and generally pay more for car insurance premiums. READ MORE >>

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With fall quickly approaching, some may be wondering what steps they can take to protect themselves and their car during the colder months. Inclement weather can create situations that make accidents far more likely. In order to prevent accidents, it is recommended that you consider investing in new tires. READ MORE >>

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