AUTO INSURANCE

   Whether your car or truck is a big diesel crew cab or a fuel-efficient hybrid, you need auto insurance. Not only is auto insurance required by law, but it is also common-sense coverage. 

We can help you sort it all out, digging through the choices with you and finding the best coverages for the lowest prices. 

Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy.

Auto insurance could be a complicated matter. Many people have an insurance policy but do not exactly understand how they are covered or what they will do if they find themselves in the position of needing to utilize their insurance. Discover the basic types of car insurance and find out how to obtain the coverage you need for your particular situation.

COLLISION COVERAGE 

This is the basic insurance type that covers your vehicle if you collide into something. 

This covers collisions with other cars as well as if you were to run into a wall, barrier or bridge.

COMPREHENSIVE COVERAGE 

This covers anything that may happen to your car that is not directly related to a collision. 

This would include things such as theft, fire, hitting a deer or vandalism.

LIABILITY COVERAGE 

This type of coverage covers the damages when you are at fault in an accident and you damage someone else’s car or property. Liability coverage is often mandated by law, so it is important that you as the driver make certain you have an adequate amount.

MEDICAL PAYMENTS 

This is also called PIP (Personal Injury Protection). Medical payments pay for any injuries to the driver or passengers that occur if an accident occurred while you were driving. Medical payment insurance varies from state to state, so make certain you are covered as expected.

Now that you understand a bit more about the different types of auto insurance available, you are probably ready to find the right coverage for you. The best way to do this is to work with an independent agency that has the experience and knowledge that can also shop many insurance carriers to provide you with the best rate. You can rest assured you are getting the best deal as well as getting the personal attention you need.

 Takes a minute to get started:

• Fill out the form, we’ll be in touch.
• Review options with an agent.
• Get the coverage you need.