Becoming a new driver is an exciting milestone, but it also comes with important responsibilities, like choosing the right auto insurance. Unfortunately, many first-time drivers make avoidable mistakes that can lead to higher costs or insufficient coverage. At Armored Insurance, we want drivers in Ellensburg, WA, to feel confident about their choices. Let’s explore some common pitfalls and how to steer clear of them.

Skipping Comprehensive Coverage

One of the biggest mistakes new drivers make is opting for the bare minimum coverage required by law. While liability insurance is essential, it doesn’t protect your own vehicle in cases of theft, vandalism, or natural disasters. Comprehensive coverage provides peace of mind for these situations, especially in areas like Ellensburg, WA, where weather conditions can be unpredictable.

Underestimating Deductibles

Choosing a high deductible might seem like a smart way to lower monthly premiums, but it can backfire if you need to file a claim. Many new drivers don’t realize how much they’ll need to pay out of pocket before insurance kicks in. Armored Insurance recommends balancing your deductible with your budget to avoid surprises.

Not Asking About Discounts

New drivers often miss out on discounts they may qualify for, such as good student discounts or safe driving programs. These savings can make a big difference, especially for younger drivers. Be sure to ask your insurance agent about available options to maximize your benefits.

Failing to Compare Policies

Another common mistake is sticking with the first policy you find. Comparing quotes and coverage options from different providers can help you find the best fit for your needs. Armored Insurance is here to help Ellensburg drivers navigate these choices and find the right policy for their situation.

Drive Smarter with the Right Coverage

Auto insurance doesn’t have to be overwhelming for new drivers. By avoiding these common mistakes, you can save money and ensure you’re properly protected. If you’re in Ellensburg, WA, and need guidance, Armored Insurance is ready to help. Contact us today to learn more about your options!

Driving through Ellensburg often feels like something special, but there’s one thing every driver here knows, and that is wildlife is part of the area. Whether it’s a deer darting across the road or an elk calmly strolling by, these encounters can be unpredictable and sometimes dangerous. The question is, are you ready if something goes wrong?

What Happens If You Hit an Animal?

It’s a scenario no one wants to think about, but it happens more often than you might expect. A deer suddenly appears in front of your car, and you don’t have time to stop. The damage can range from a cracked windshield to major dents in your vehicle. This is where auto insurance comes in. With the right coverage, you won’t have to worry about paying for repairs out of pocket.

How Auto Insurance Can Help

Not all insurance policies cover wildlife-related accidents, so it’s important to know what’s included in yours. Here are the key types of coverage to look for:

• Comprehensive Coverage: This covers damage caused by hitting an animal, like repairs to your car’s body or windshield.
• Collision Coverage: If you swerve to avoid an animal and hit something else, like a tree or guardrail, collision coverage can help.
• Medical Payments Coverage: If anyone in your car is injured during the accident, this can help with medical bills.

Having these protections in place means you can drive with confidence, knowing you’re covered no matter what happens.

Simple Ways to Stay Safe

Of course, the best way to deal with wildlife collisions is to avoid them altogether. Here are some tips to help you stay safe on Ellensburg’s roads:

• Slow down in areas where wildlife crossing signs are posted.
• Be extra cautious during dawn and dusk when animals are most active.
• Use your high beams on dark roads to spot animals sooner, but dim them for oncoming traffic.
• Keep a safe distance from the car ahead to give yourself more time to react.

These small adjustments can make a big difference in preventing accidents.

Armored Insurance Has Your Back

At Armored Insurance, we know Ellensburg drivers face unique challenges on the road. Whether it’s wildlife crossings or other unexpected situations, we’re here to help you find the right auto insurance policy. Our team will work with you to make sure you’re protected, so you can focus on enjoying the drive.

Have questions about your coverage? Contact Armored Insurance today to learn more and get the protection you need for driving in Ellensburg!

At Armored Insurance, located in Ellensburg, WA, we understand the unique needs of our rodeo enthusiast clients. One of those unique needs is ensuring that their horse trailers are adequately covered by their auto insurance. Let’s explore this niche aspect of auto insurance.

The Importance of Horse Trailer Coverage

Horse trailers are a significant investment and essential for transporting horses to and from rodeos. However, they can be susceptible to various risks, including theft, damage from accidents, and weather-related damage. Having the right auto insurance coverage can provide peace of mind and financial protection.

Understanding Your Coverage

It’s crucial to understand what your auto insurance policy covers when it comes to horse trailers. While liability coverage can cover damages to others if you’re at fault in an accident, comprehensive and collision coverage can protect your trailer from theft, vandalism, and damage from accidents or weather events.

Additional Considerations for Rodeo Enthusiasts

Aside from trailer coverage, rodeo enthusiasts in Ellensburg may also need to consider additional auto insurance coverage for their towing vehicles, as well as separate equine insurance for their horses. It’s essential to discuss your specific needs with your insurance provider to ensure you have adequate coverage.

Protecting Your Passion with Armored Insurance

At Armored Insurance, we’re committed to helping Ellensburg’s rodeo enthusiasts protect their passion. From horse trailers to towing vehicles, we’re here to ensure you have the auto insurance coverage you need.