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Auto Insurance Information
We offer many top rated carriers for your auto insurance. We offer instant online quotes.
What is auto insurance?
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.
The main parts of an auto policy :
Your auto policy may include all of these coverages or some of them. Each coverage is priced separately.
- Bodily Injury Liability
For injuries the policyholder causes to someone else.
- Property Damage Liability
For damage the policyholder caused to someone else's property.
- Medical Payments or Personal Injury Protection (PIP)
For treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.
- Collision Damage to your car
For damage to the policyholder's car from a collision. The collision could be with another car, a light post, fire hydrant, etc.
- Comprehensive Damage to your car
For damage to the policyholder's car that doesn't involve a collision with another car. Covered risks include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.
- Uninsured Motorist Coverage
For treatment of policyholder's injuries as a result of collision with an uninsured driver. Underinsured motorist coverage can also be included in an auto policy. Underinsured motorist coverage comes into play when an at-fault driver has auto liability insurance, but the limit of insurance is inadequate to pay for your damages.
- Roadside Assistance
For when your vehicle becomes disabled from mechanical breakdown, dead battery, flat tire, lockout or no gas or entrapment in snow, mud, sand and needs towing to the nearest repair facility.
- Rental car reimbursement
For the use of rental cars when your vehicle is inoperable from damage claimed under comprehensive or collision damage coverage.
- Loan / Lease Payoff
For gap coverage if you have a difference between the amount you owe on your auto loan and the amount insurance pays if your vehicle is declared a total loss or stolen and not recovered, less your deductible.
Each state requires that you have certain types of coverages with minimum liability limits. The insurance industry recommends that your bodily injury liability limits be $100,000 per person and $300,000 per occurrence. These are the minimum limits we recommend.
Some of our auto insurance carriers offer different options like :
Some carriers offer discounts for :
- New Vehicle Replacement
- Vanishing or disappearing deductibles
- Full Glass Deductible with no deductible
- First Accident Foregiveness
- Lifetime Renewability
- 12 month Rate Protection
- No cancel policy
- Multi policy
- Multi car
- Claims free
- Defensive driver course credit (not all carriers recognize this)
- Good student (a and b grades)
- Air bags
- Anti theft
- Protective alarms
- Low mileage (snapshot)
- Advance purchase (buy 7 days before you need coverage to start)
- Paid in full (5% normally for the life of the policy)
- High limits (if your policy is 100,000 per person up to 300,000 accident third party liability)
We offer many top rated auto insurance carriers to offer you.