Based in Hutchinson, KS, DJ Kauffman Agency Inc. assists the community through helping residents find insurance policies that will work for them. We recognize that each of our clients has a unique situation. That’s why we are committed to helping our clients find the right coverage for their needs. As an independent agency, we can offer our clients multiple types of coverage.

Unique Auto Insurance Facts

There are a lot of responsibilities associated with operating a vehicle. The most important thing is traveling safely while you are on the road. Auto insurance helps ensure that you and your vehicle are protected whenever you drive. The policy ensures that you are covered if you are involved in an accident or if your vehicle is vandalized or stolen. With that being said, here are some unique auto insurance facts to consider while you are researching different policies.

You Are Not Necessarily Covered If You Use Your Vehicle For Business

If you plan to use your vehicle for business-related endeavors, research your policy carefully to see if you are covered under your policy. You may have to look into another type of coverage to receive protection while you use your vehicle for business-related endeavors.

Your Occupation Matters

While you are likely aware that factors such as the state that you reside in and your credit are analyzed while you research different policies, other variables are analyzed as well. Your occupation may also be taken into consideration while you are researching different policies.

The Color Of Your Car Is Not A Factor

Many people believe that the color of their vehicle has an impact on their policy. This is incorrect. The color of your vehicle is not a weighted factor regarding your auto insurance policy.

DJ Kauffman Agency Inc. Will Help You Find Coverage

Please contact our office today to learn more about how we assist drivers in the Hutchinson, KS community by helping them find coverage.

As winter gives way to spring, now’s a good time to plan upcoming road trips with your family. Road trips offer a fantastic opportunity to explore Kansas to the full. First, make sure you have adequate auto insurance to protect you during your travels. Updating your policy with DJ Kauffman Agency Inc. in Hutchinson, KS will give you peace of mind that you’re covered against any eventuality. Once insurance is in place, have your car thoroughly inspected to ensure it’s road-ready.

Pre-Trip Servicing

By having your mechanic thoroughly inspect your vehicle before hitting the road, you can avoid mechanical problems far from home. Make sure your mechanic checks your fluids and filters, hoses and belts, brakes, lights, and battery. Change old, worn parts, and invest in a new battery, if needed, to prevent breakdowns on the road. Make sure your headlights, brake lights, and blinkers are working properly to enhance safety on the road.

Check your tires to make sure they’re roadworthy. Replace worn tires before considering any long-distance travel. Make sure your tires are inflated to the proper pressure as under-inflated tires can cause you to waste gas.

Emergency Kit

Pack an emergency kit to prepare against unexpected breakdowns on the road. Your kit should have such essentials as first aid supplies, blankets, flares, jumper cables, flashlights, batteries, and a tool kit. You should also have extra snacks and bottled water in the car at all times in case you get stranded or have to pull over for a time due to bad weather.

Servicing your vehicle, preparing an emergency kit, and updating your auto insurance are essential measures to take for a safer, more enjoyable road trip experience. For help in obtaining the auto insurance you need, contact DJ Kauffman Agency Inc. in Hutchinson, KS.

When you think about car insurance it is usually associated with higher costs due to an accident or moving violation, but there are positives that most people never think of. When you have questions about your auto insurance or just want a new quote, contact the professional and trusted team at DJ Kauffman Agency Inc. in Hutchinson, KS. Bear in mind that not every policy will offer these benefits outlined below, but be sure to ask us if they are important:

Pet Injuries from Accidents:

Given that pets frequently ride in cars and without seat belts, they can be prone to injuries during automobile accidents. Some insurers will include coverage for your pets so be sure to ask.

Lost Wages from Inability to Work:

When an auto accident prevents you from being able to work, your car insurance may be able to recuperate some or all of the lost wages through personal injury protection. In Kansas, legislation requires coverage for lost wages with the minimum amount being 85% of your lost wages not to exceed $900 a month for a one-year period.

Floods and Earthquake Coverage:

Given that homeowners insurance does not cover damage from floods or earthquakes unless you purchase additional coverage, many people assume that auto insurance works the same way. However, flood and earthquake damage is covered minus your deductible.

Rodent Damage:

Pesky mice, squirrels and other rodents can cause serious damage to people’s vehicles, but don’t assume that any harm won’t be covered by your auto insurance. 

Riots and Protest:

For folks that live in cities where their vehicles are parked on the street there is always the risk of damage because of civil unrest due to the home team losing, a political event or any other issue that causes a large gathering. If you have comprehensive coverage, then damage from vandalism and riot based incidents are covered. 

Serving the Hutchinson, KS community, DJ Kauffman agency Inc. is your one stop shop for any auto insurance needs.