Additional Auto Insurance Information

 

While some types of insurance coverage are mandatory others are optional.  We can help you determine the best coverage for you. The following are some of the different coverage we can provide you:

  • Liability Coverage:  pays when you are legally liable for unintentional bodily injury.  Also covers property damage caused to others.
  • Collision Coverage:  pays for the physical damage to your vehicle caused during a collision.

  • Comprehensive Coverage:  coverage for non-collision related losses including fire, theft, glass breakage, and vandalism.

    • Deductibles:  You can choose from a variety of deductible levels for collision and comprehensive coverage.  The higher the deductible you pay, the lower your insurance premium will be.

  • Uninsured/Underinsured Motorist Coverage:  pays damages that you are legally entitled to recover from an uninsured or underinsured motorist.
  • Custom, Electronic or Extra Equipment Coverage:  adds coverage or higher limits of coverage for non-factory installed items attached to your vehicle.
  • Personal Injury Protection:  pays without regard to fault for medical, work loss, and other expenses resulting from auto accident injuries.
  • Car Rental Coverage:  reimburses you if your car is out of service for over 24 hours due to a loss covered by your Collision or Comprehensive coverage.
  • Medical Payments:  covers expenses for medical and funeral expenses due to injuries resulting from an auto accident.

 

 

Let us help you save on your Auto Insurance

 

In order to help reduce insurance rates, auto insurance companies offer various discounts that might apply to you.  Some of these discounts are the following:

  • Anti-Theft Device Discount:  if your vehicle has an approved theft prevention or recovery device then comprehensive coverage discounts might be available for you.

  • Accident-Free Savings:  for those who are claim and violation free, reduced rates are available.

  • Good Student Discount:  for full-time students who maintain a B average or better in school might qualify for the good student discount.

  • Multi-Car Discount:  if two or more qualifying household cars are insured with the same insurance company a discount will apply on your premium.

  • Multi-Product Discount:  if you have an active homeowners or qualifying life insurance product with the same company, then you will be eligible to receive a discount on your auto insurance.

  • Group Rate Discount:  some insurance companies even give you a discount if you belong to certain qualifying groups, such as professional associations and employer groups.

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