Car Insurance

Car Insurance

The insurance companies we represent provide a wide range of auto Insurance products at a fair price. Your price gets even better if you qualify for available discounts. When applying for auto insurance, you're usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage. We can help you understand what these terms mean and help you select the coverage you want.

Auto Insurance Coverage options:

Collision and comprehensive (other than collision) coverages

Collision and Comprehensive (other than collision) coverages helps pay for damage to your automobile. You can purchase both collision and comprehensive coverage, comprehensive only coverage, or neither coverage (for liability only) for each vehicle you own. If you have an auto loan you may be required to purchase both.

  • Collision coverage insures you against damage to your vehicle caused during an accident.
  • Comprehensive (other than collision) coverage insures you against other physical damage to your car caused by such events as fire, theft, flood, and vandalism.

Collision and comprehensive (other than collision) coverage usually includes a deductible.  If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.

Liability coverage

Liability coverage helps pay for injuries you cause to other people and damage you cause to other people's property when you are at fault in an automobile accident.

Medical Payments coverage

Medical Payments coverage helps pay medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault.

Personal Injury Protection

Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage helps pay for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also helps pay for loss of income if you are injured in an auto accident and are unable to work.

Uninsured/Underinsured Motorist coverage

This coverage pays up to a specified limit if you are injured by a person who is completely uninsured or doesn't have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.

Optional coverage

Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.

How much do I need?

Choosing the appropriate level of auto insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.

Our insurance agents can help assist you to find the coverage you want.