Looking for Auto Insurance in Mount Vernon, Ohio? Let Us Help
When most people think about auto insurance, they think about damage to their car. The truth is, auto insurance covers much more than just your car.
With the sheer amount of cars on the road and the distractions drivers deal with every day, the chances of being involved in a car accident are higher than they’ve ever been.
You’re at risk every single day you get in your car.
It’s important to understand what your coverage options are, not just for your car, but for you, and people who may be injured because of negligent driving.
Dumbaugh Insurance, an independent agency, has been insuring Mount Vernon residents since 1939.
If you’re looking for the best rates and insurance products and services, you’ve come to the right place.
Call us at 740-397-1234 for a free auto insurance quote.
Why Choose an Independent Insurance Agency in Mount Vernon?
If you’re ever involved in an accident and are at fault for someone else’s bodily injuries, you could lose everything if you don’t have the right insurance policy.
What a lot of people don’t realize is having great coverage doesn’t mean having higher insurance premiums.
Because Dumbaugh Insurance is 100% independent, we can take your current coverages and compare them with multiple insurance providers to see who offers you the best deal possible.
The best part?
It doesn’t cost you a penny more to use our insurance services.
We get no override or fee. We are compensated by the insurance carriers directly and work on your behalf to cover your needs and exposures.
We make sure there are no hidden gaps in your policy.
No two insurance contracts are the same. While two policies might look the same side-by-side, the fine print behind the cover page can vary from company to company.
This means that you need someone who understands policy contracts like us to sort through the exclusions and conditions for you, so you can rest easy knowing that you have the best possible coverage at the best price.
We’ll help you find the right insurance package for you and your family.
Important Auto Insurance Coverage
When you browse through your policy, you may see certain coverages and wonder what they are, and why they’re on your policy.
Here are a few more important ones for you:
Collision Coverage
This is the part of your policy that covers your car in the event you damage the car itself somehow, because of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc.
Comprehensive Coverage
This coverage also protects your car, but if something else damages your car, that is not a fixed or moving object. For example, theft, a rock that cracks your windshield while you’re driving on the highway, an animal you might hit, and so on.
Property Damage
Suppose you damage someone’s car, house, a guard rail, or some other property that belongs to someone else in an accident. This is the part of your policy that compensates the other person for that damage.
Bodily Injury Liability
This coverage protects your financial interest in the event you injure another party in an accident.
This is the part of your policy that pays the other party for their medical bills and related expenses. Because of the high cost of medical care, it’s dangerous to carry liability limits that are too low. This is something we can help you decide on.
Uninsured & Under-insured Liability
This coverage pays you in the event that you are injured by another party and that other party was either unidentified or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses.
This is also a very important part of your auto policy because you have zero control over how much insurance other people are driving around with.
Common Auto Insurance Rating Variables
Age
Insurance companies use your age in their overall rating algorithms.
Drivers who are under 25, and over 65 typically don’t get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss because of an auto accident.
Credit
Credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be.
Car
The type of car, engine size, safety features, etc.. are all part of determining the rate.
Driving History
Your driving record and loss history plays a substantial role in the price.
If you have a spotty driving history, or multiple moving violations or accidents, chances are, you won’t get a preferred rate until those things are at least 3 years old.
Household
Insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If multiple drivers in the house are under the age of 25, that will impact everyone’s pricing in the household.
Talk to Our Auto Insurance Agents in Mount Vernon for a Free Car Insurance Quote
If you live in or near Mount Vernon and are looking for a car insurance comparison, Dumbaugh Insurance makes the process of finding the best company and price easy.
We do all the heavy lifting for you!
To get started, call our local independent insurance agents directly or click over to our Quotes page to send us some basic information about your needs so we can get started on your policy review and comparison.
Frequently Asked Questions
What Other Types of Insurance Do You Offer?
In terms of family and personal insurance policies, we offer our clients:
- Homeowners Insurance
- Renters Insurance
- Condo Insurance
- Specialty Dwelling Insurance
- Personal Umbrella Insurance
- Motorcycle Insurance
- Watercraft Insurance
- Flood Insurance
Do You Also Offer Business or Commercial Insurance Options?
Absolutely.
We are thrilled to offer affordable insurance options for our commercial customers to make sure you can find the right coverage for your business.
A unique and wonderful quality about the state of Ohio is that we’re home to national corporations and small businesses alike.
And we’ve got the policies for businesses of any size, to fit your business insurance needs to give you and your company peace of mind.
- General Liability Insurance
- Commercial Auto Insurance
- Farm Insurance
- Church Insurance
- Airbnb Insurance
- Group Insurance Benefits
- Bonds
What Are Your Mount Vernon Location’s Office Hours?
Our offices are open Monday through Friday from 8 AM – 5 PM.
Do You Offer Insurance to Customers Outside of Mount Vernon?
We do! We are one of the most dependable and longest-standing insurance providers in Mount Vernon, OH.
We also provide personal and commercial insurance for our customers across the state of Ohio and for families and businesses around the country as well.
Why Choose Dumbaugh Over a Major Insurance Provider?
At Dumbaugh Insurance, we represent multiple insurance carriers.
This gives our agents the ability to shop and compare across the market—to give you the best possible coverage at the best possible cost.
And we’ve got the data to prove it! We routinely find better rates than many of the “big brand” insurance companies you see on TV, and not just by a few dollars. On average, our rates are…
- 47% lower when compared to AllState
- 26% lower compared to State Farm
- 32% lower when compared to Geico
Contact Dumbaugh Insurance Today
Have questions? Contact our office at (740) 397-1234.
If you’re ready to find the right policy for you, you can start a quote here.