Auto Insurance That Fits Your Needs
Auto Coverage Options
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Auto insurance provides property, liability and medical coverage:
- Property coverage pays for damage to or theft of your car.
- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes, lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.
- Pick a premium & deductible you’re comfortable with.
- Protect your assets
- Pay for roadside assistance
- Protect yourself from drivers who can’t pay for damages.
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Frequently Asked Questions
How much auto insurance do I need?
How much car insurance you may need and how much car insurance is required are two separate questions. Car insurance requirements vary from state-to-state, and are often lower than the amount necessary to keep you covered financially in the event of an accident. The best liability coverage for most drivers is 100/300/100. This means $100K per person, $300K per accident in bodily injury liability and $100K per accident in property damage liability. You will be held responsible for all damage you cause in an accident, so minimum liability of 100/300/100 will help to protect your own assets and your future earnings. To get a better sense of how much coverage you need contact an agent today.
How do I file an auto insurance claim?
Keep your auto insurance info in your glove compartment, stay at the scene of the accident until police have been and gone to give them your version of the incident, exchange information with the other driver, report the accident promptly to your insurance company, and talk to your agent about your rights.
How do I save money on auto insurance?
A few ways to save on auto insurance include: comparison shop insurers, ask for higher deductibles, drop collision coverages on older vehicles, take advantage of low-mileage discounts, buy a “low-profile” car, and ask about other auto insurance discounts.