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  • Author photo Nicholas Springer
    Nicholas Springer in Coverage | 2516 Reads
  • 03/03/2022

Add Full Coverage to Older cars??

Rethink what you thought about your cars worth!

A picture of an agent pondering full coverage for a toy Delorean and Tesla
A picture of an agent pondering full coverage for a toy Delorean and Tesla

cars and trucks are demanding a premium on the used market

Nicholas Springer
(I need to set this straight…there is no such thing as “Full Coverage” – please see Blog Post 22…)

For all kinds of reasons right now, your car is most likely worth more than you think it is.

Generally, in the old days (like two years ago) the coverage you had on your vehicles would follow a basic timeline. When it’s newer you would have Comprehensive and Collision. This would hopefully make you whole again if you have a loss to the vehicle.

As time went on, and the value of the vehicle decreased, it was a good first step to remove collision and just keep Comprehensive (known as “Other Than Collision” coverage). Then finally, when the value was at a point in which it was not financially worth it, you would remove all but liability.

Now, cars and trucks are demanding a premium on the used market. If you dropped Collision because you thought you could buy a used car for a manageable amount, that may not be true anymore.

This is the reason we have been taking a second look at the coverages on your policies… it may be a good idea to up your coverage, at least for the time being.
Full Coverage Comprehensive Collision #41
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Photo of Nicholas Springer
Nicholas Springer
President

Nick Springer, current President and CEO of Springer Insurance, joined the agency in 2000. From CSR to telemarketer, Associate Agent, Vice President and now President, Nick worked every possible job in the agency, including janitor while he was in middle school two nights a week!

After taking over for Reta, who retired in 2018, Nick and his wife Shannon have grown the agency to four locations and recently moved the Home Office to a new office condo, still in Midlothian. Over his many years, Nick has attained the designation of a Certified Authority on Workers Compensation (CAWC) and most recently the coveted Certified Insurance Counseller (CIC) designation.

Nick is now heading up the new Springer Private Client Division geared to High Net Worth clients.

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