How much auto insurance is right for you?
We understand the auto insurance needs of our customers.
Auto insurance requirements vary by state. In some states, to drive you must carry:
- Liability coverage – to pay for losses you cause others, or:
- No-fault coverage – to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
- Both liability and no-fault coverage.
Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance that covers damage to your vehicle. This includes:
Collision Insurance
Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible: the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage premium will cost.
Comprehensive Insurance (Other than Collision)
Comprehensive insurance covers damage done to your car in some way other than a collision, such as theft, flood, hurricane, windshield damage, and fire.
Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). And although it’s not legally required by any state, you will probably need it if your car is financed.
Auto Insurance Coverage
When it comes to auto coverage, more is better than less. We can help you get the following coverages:
- Liability Insurance
- Uninsured Motorist Protection
- Collision Insurance
- Medical/Personal-Injury Protection
- Comprehensive Insurance