Auto insurance coverage is broken into several parts.
Liability section of the policy covers your financial responsibility for injuring others.
Physical Damage section covers the damage done to your car and is broken into two sections: Collision coverage pays to repair losses caused by an accident; Comprehensive coverage (Other than Collision) reimburses losses from fire, theft and windshield repair and deer hits. Although it’s not legally required by any state, you will need it if your car is financed or leased.
Additionally, there are medical, car rental and various optional coverages from which to choose.
Using high deductibles on the physical damage coverages can reduce premiums.
For new car owners ask us about guaranteed replacement coverage which pays the cost of a brand new vehicle without depreciation.
Every person is unique – talk to us today to find out how to get the best price and value on car insurance for you.