Personal Auto Insurance

autoGreat auto insurance means as little disruption to your as possible if your car is damaged or totalled in an accident, fire or stolen. It also means protection from any unforseen medical or legal expenses that may be caused by any such event. The right auto insurance allows you to drive confidently knowing that you are covered in case of any mishap.

 

What type of auto insurance do I need?

    • Liability – In most states you’ll need (as mandated by law) liability insurance to pay for losses that you might cause others. This is usually the minimum insurance that you’ll need to have.

     

    • Collision – This type of insurance pays for any damages caused to your own vehicle in case of an accident. Standard collision coverage pays for repairs up to the fair market value of your vehicle. This type of insurance usually includes a deductible, which is the amount you must pay out of pocket before the insurance pays. The more you are willing to pay out of pocket in case of an incident, the less the insurance will cost in most cases.

     

    • Comprehensive – This type of insurance is similar to collision insurance. In addition, it covers damages caused by unknown parties such as floods, hurricanes, and theft. If your vehicle is financed, you’ll likely be required to carry comprehensive coverage.