What is
Auto Insurance?

Auto insurance is a financial product that protects vehicle owners from the financial consequences of accidents and unexpected events. It provides coverage for cars, trucks, motorbikes, and other road vehicles against various risks, including liability for injuries or property damage to others, damage to the insured vehicle from collisions or non-collision incidents like theft or natural disasters, and coverage for medical expenses. Auto insurance ensures that individuals can navigate the challenges of vehicle ownership with financial security, providing peace of mind on the road.

Comercial Auto Insurance
About Since 1985

What Affects My Auto Insurance Rates?

Key items include the driver’s age, driving record, and location. A history of traffic violations or accidents can also result in increased rates. The type of coverage chosen, the deductibles, the make and model of the vehicle, and its intended use contribute to the premium. Additionally, factors like credit history, annual mileage, and even the local area’s crime rates may impact the cost. That being said, discounts are typically offered for multiple reasons including a safe driving history, multiple policies with the same company, good student discounts, etc.

What Coverages Come With Auto Insurance?

Standard Coverages:

Bodily Injury Liability (BI):

Covers injuries to others caused by the policyholder while driving.

Property Damage Liability (PD):

Covers damage to other people’s property caused by the policyholder while driving.

Collision Coverage:

Pays for damage to your car in the event of a collision with another vehicle or object.

Comprehensive Coverage:

Covers non-collision events such as theft, vandalism, natural disasters, and animal collisions.

Additional Coverages:

Uninsured/Underinsured Motorist Coverage:

Protects you if you’re in an accident with a driver who doesn’t have insurance or doesn’t have enough coverage.

Medical Payments or Personal Injury Protection (PIP):

Coverage for medical expenses for you and your passengers, regardless of fault. PIP also covers lost wages and any attorney fees.

Rental Car Reimbursement:

Reimburses the cost of renting a car while yours is being repaired after a covered incident.

Roadside Assistance:

Provides services like towing, battery jump-start, and flat tire repair.