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By: Anne-marie D.
Mark Otterson - State Farm Insurance Agent
It's been my experience that Mark is on top of everything. Granted I've only had one auto insurance claim maybe 5 or 6yrs ago and one glass claim recent; but when it came to insuring my house, he (and his secretary) were very easy to deal with and would return calls immediately. Hope this review is helpful.Anne-marie
By: leahlord60
B.F. Carter Insurance
I was very pleased with the experience I had with BF Carter Insurance right from the start. The staff was very friendly and willing to help. I had a lot of questions and they answered everything thoroughly for me. I felt very confident with my policy and the agents there.
By: lomedico
B.F. Carter Insurance
I can't ask for better service from this agency. The staff is more then helpful and can always answer my questions. They helped me when I had to make a claim, they made the process very simple for me.
By: fairfieldmomof3
State Farm Insurance
I want to Thank Mark Otterson and his staff for always being a pleasure to deal with. They're there when I need them and I feel they always go that extra mile for me.Thank you!
By: Wendy H.
B.F. Carter Insurance
I have been very pleased with my agent at B.F. Carter Insurance. He is great at what he does. He is honest and knowledgeable.
By: Dan C.
B.F. Carter Insurance
I am very pleased with Bruce and B.F Carter. His advice and quality of service has given me great peace of mind.
By: Nick L.
B.F. Carter Insurance
Bruce is great at staying on top of new policies and discounts to come up with what works best for me.
Tips & Advices
By law, you need to be insured up to the minimum amount required in your state before getting behind the wheel of any car. Beyond that, your insurance needs will vary depending on your financial situation and the amount of risk you are willing to take on.
  • Full or comprehensive car insurance is the most expensive, but often the best deal for drivers who own an expensive car, those who commute frequently or anyone who lives in an area with extreme weather or high crime rates.
  • Drivers of less expensive or older cars usually save more by opting for the minimum required policy, along with some extra coverage if they can afford it. Since the cost of repairs might exceed the total value of an older vehicle, some owners forgo collision protection in favor of greater liability coverage or personal injury coverage.
If someone other than you causes an accident while driving your car, most insurance policies will still pay for damage, according to the rules that apply. However, it’s a good idea to check with the insurance provider to be sure this is the case. Regardless, either the at-fault driver or the actual policyholder will be responsible for paying for anything not covered by insurance. People who don’t own a car but frequently borrow or rent one might consider purchasing a non-owner policy to make up the difference.
Car insurance premiums might be tax deductible in certain situations, but only with the documentation to prove it. Insurance costs may be deducted as part of overall business expenses if you use that car for work-related travel. However, this does not generally apply to taxpayers who use the standard deduction when filing their income tax returns. If your car is used for business purposes often, save all insurance-related documentation, as well as receipts, invoices and other forms of proof that your vehicle expenses were for business purposes.
Car insurers set premium prices depending on every driver’s individual risk. A huge number of details are factored into every determination of insurance risk, so the cost of any two policies can vary widely depending on the driver’s personal attributes, accident history, location, vehicle type and much more. The type of coverage you choose also impacts what you pay - premiums for minimal liability coverage will almost always be lower than those of a universal coverage policy.
The cost of car insurance is highly variable, but according to the National Association of Insurance Commissioners, U.S. motorists pay around $900 per year on auto insurance.

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