How to Save on your Auto Insurance!
Are you looking for auto insurance that's right for you?!
Not sure what the different types of car insurance coverages are?
Here are the important ones:
Liability Coverage:
- It can pay for injuries or damages you cause while driving, up to your policies limits.
- There are two different ways you are protected:
- 1) Bodily injury liability- it pays for someone else's medical bills if you are liable for their injuries in an auto accident
- 2) Property damage liability- it pays for damage to someone else's vehicle or property if your liable in an auto accident
- For example: If you lose control of your vehicle and accidently hit your neighbor and his mailbox, your insurance will cover your neighbor's injuries and the cost to repair his mailbox!
Comprehensive:
- Comprehensive coverage protects your vehicle from events that are out of your control. This includes situations such as:
- Fire
- Theft
- Vandalism
- Glass Breakage
- Acts of nature
- Hitting an animal
- For example: If you hit a deer and your front bumper and windshield need to be replaced but it costs $2,500. You will pay your $250 deductible while insurance covers the other $2,250!
Collision:
- Collision coverage pays to repair or replace your damaged vehicle if you collide with another object such as a tree, guardrail, fence, or another vehicle.
- For example: You hit black ice during a snow storm and your car slides into a fence causing $5,000 worth of damage. If your deductible is $500, we will pay the other $4,500!
Pet Injuries:
- Free coverage!
- If your pet is injured in an auto accident, we can cover your vet bills up to a specified amount!
Uninsured/Underinsured Coverages:
- Uninsured bodily injury: covers you and your passengers if you are injured in an accident and the at-fault driver has no insurance
- Underinsured bodily injury: covers you and your passengers if you are injured in an accident and the at-fault drivers coverage limits aren't high enough to pay for the injuries that they caused
- Underinsured motorist property injury: pays to replace or repair your vehicle if you are hit by someone with no insurance
- Underinsured motorist property damage: pays to replace or repair your vehicle if you are hit by a driver with not enough coverage
Medical Payments:
- If you are in an accident, medical payments will pay for your medical and funeral expenses. It also covers your passengers and family members, regardless of whose fault it is!
Extra Coverages Include:
- Loan/Lease Payoff: If you finance or lease your car, loan lease payoff (also known as “gap insurance”) can cover the difference between what you owe on your vehicle and what it's actually worth (up to 25% of the actual cash value).
- Rental Car Reimbursement: If your car is in a covered accident, we'll pay for a rental up to your policy’s limits (typically between $40-$60 per day) while your vehicle is at the body shop. A covered accident doesn't include routine maintenance.
- Custom parts and Equipment value: Custom parts and equipment (CPE) coverage can repair or replace items that you add to your car, like a stereo, navigation system, custom wheels, or even a paint job. If it wasn't installed by the original manufacturer, it's considered an after-market accessory that you'll want to insure. CPE coverage typically has a $5,000 limit.
- Roadside Assistance: Roadside Assistance pays for towing services if your car breaks down for any reason, whether you're on the road or in your driveway. We'll tow you to the nearest repair facility or the mechanic of your choice if the shop is within 15 miles. Roadside assistance also provides lock-out service, flat tire changes, fuel/fluid delivery if you run out of gas, and other related issues.
- Deductible Savings Bank: You can add our deductible savings feature to your auto insurance policy, which subtracts $50 from your collision and comprehensive deductible for every claim-free policy period. Auto policy periods last six months.
You can even do a bundle deal!
Check out even more ways that you can save:
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