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01/24/2016
By: Daniel P.
Cummins Insurance Agency
I have been coming here forever. They provide me with home, life and auto insurance. If you need people you can trust on your side I would recommend you work with them.
03/02/2016
By: Holly C.
Cummins Insurance Agency
I have been getting my insurance from Cummins Insurance Agency since 1960. They're such a nice family and I am glad to have been working with them so so long.
10/01/2015
By: Shelley M.
Cummins Insurance Agency
My insurance needs have always been taken care of at Cummins Insurance Agency. All of the staff members who work there are extremely incredible and helpful.
01/26/2015
By: Cate G.
Cummins Insurance Agency
I have been a customer of Cummins Insurance Agency since 2009. If someone is looking for a reliable insurance agency, I would point them in this direction.
11/11/2015
By: Rebecca M.
Cummins Insurance Agency
I wouldn't go anywhere other than Cummins Insurance Agency. They are very transparent and thorough. They explain everything to me regarding my policy.
07/16/2015
By: Iris C.
Cummins Insurance Agency
The staff at Cummins Insurance offered me the best rate when I was looking for insurance, that is why I chose to work with them.
02/26/2014
By: Ben W.
Cummins Insurance Agency
The staff at Cummins Insurance gave us great customer service. They have a down home atmosphere that made us feel comfortable.
04/25/2014
By: Tony D.
Cummins Insurance Agency
Cummins Insurance Agency saved me money on my car insurance. They also suggested I take a snap shot and I saved a little more.
10/19/2015
By: Tom K.
Cummins Insurance Agency
I think Cummins Insurance is the absolute best place to go and get a bond. PRC is accepted here. That is a huge plus.
10/31/2012
By: haroonashraf
SEO Title Agency
seo title Agency assures your property transfer is properly insured, giving you the peace of mind you deserve.
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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