Auto Insurance Agency

Liability insurance covers damage and injuries you cause to others, including their vehicle and medical expenses. Full coverage typically includes liability plus collision (damage to your car from accidents) and comprehensive (non-collision events like theft, weather, or vandalism), offering broader protection.

Collision coverage is a type of auto insurance that helps pay for the cost of repairing or replacing your vehicle if it is damaged in a collision with another vehicle or object, such as a tree or a guardrail. Poole & Jackson Insurance offers collision coverage as part of our comprehensive auto insurance policies, providing our clients with financial protection in the event of an accident. This coverage is especially important if your vehicle is financed or leased, as it can help you avoid significant out-of-pocket expenses to repair or replace your car. Our team at poolejackson is dedicated to helping our clients understand their coverage options and choose the right policies to meet their individual needs and budget.

To compare quotes effectively, make sure each quote has the same coverage limits, deductibles, and policy features. Look beyond price—check customer reviews, claim satisfaction, and financial strength of the insurer before choosin

Yes, in most states insurers use a credit-based insurance score to help determine your rate. A higher score generally leads to lower premiums, while a lower score may increase costs. Some states restrict or ban this practice.

It depends on the type of claim and your history. At-fault accidents typically increase premiums, while minor or not-at-fault claims may have little or no impact. Some insurers offer accident forgiveness programs.

Yes, switching is usually simple. You can purchase a new policy at any time and cancel your old one. Just ensure there’s no lapse in coverage and check for any cancellation fees or refund policies.

Car insurance rates are based on multiple factors including your driving record, age, location, vehicle type, mileage, coverage level, claims history, and sometimes your credit score. Safer drivers with fewer claims and lower-risk vehicles typically pay less.