Auto Insurance

If you own a car, auto insurance is not just an option — it is required by law. The cost for coverage varies widely among companies. That’s why it’s important to shop around when choosing an auto insurance company. This web site can help you make an informed decision. We offer information about different types of auto insurance coverage, how to shop for auto insurance, and tips to lower your costs.

There are many factors involved in determining auto insurance rates, many of which are beyond our control. However, there are a few things you can do to save money on your auto insurance. It definitely pays to take a more active role in managing your auto insurance coverage.

Don't renew your auto insurance without checking what other insurance companies offer and see how they compare. Cheaper auto insurance is available. In fact, you could easily save over 25% on your current auto insurance rate if you quote or buy online.

 

Compare Auto Insurance Coverage & Save!

1. Bodily Injury Liability

Most states in the U.S. require liability coverage. This covers bodily injury and damage to property that you cause to others while using your car. You and family members listed on the policy are also covered when driving someone else’s vehicle with their permission. It’s very important to have enough liability protection. Consider buying more than the state-required minimum to protect assets such as your home and savings.

2. Medical Payments or Personal Injury Protection (PIP)

This covers a limited amount of medical and hospital costs, income continuation, funeral expenses, and loss of services. Coverage limits are defined in the policy.

3. Uninsured/underinsured motorist bodily injury

This coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured, a hit-and-run driver, or an at-fault driver who has insufficient insurance to pay for your total loss.

4. Collision 

This covers damage to your car that is caused by a collision.

5. Comprehensive

This covers damage to your car -- except by collision. For example, this covers your car if a tree falls on it or someone vandalizes it.

6. Emergency road service

This covers towing when your car breaks down.

7. Car rental expense

If you have a claim that is covered under your auto insurance policy, this coverage pays to rent a car. 

8. Death, dismemberment and loss of sight

This coverage pays for death and certain injuries to people named in your policy due to an auto accident.

9. GAP

In the event your vehicle is a total loss, GAP coverage pays the difference between the current market value of your car and the amount you still owe the bank.

10. Custom equipment coverage

This covers direct and accidental loss to custom furnishings or equipment.

Check out what other insurance companies offer and see how they compare. You could easily save over 25% on your auto insurance rate for the same or more coverage.