What's the purpose of auto insurance? Why do I need it?

Automobile insurance is designed to protect you from financial loss arising from personal injuries, property damage, or loss of property involving your automobile.

What information do I need to have to get a quote?

When securing an auto insurance quote, be ready to provide the following information:

  • Your name and address (not a P.O. box)
  • Your driver's license number and date of birth
  • Your VIN (Vehicle Identification Number), or the year, make and model.
  • The limits of liability and the duration of your current insurance policy.
  • Name, date of birth and driver's license info for all persons of driving age in the home.

How is my premium determined?

Car insurance rates are not standard for every driver, but rather they are individualized based on statistical data that relates to each driver. Here are some factors that help determine your premium:

  • Make, model and age of car
  • Location where car is kept
  • Age of driver(s)
  • Driving, insurance and credit histories
Each auto insurance company may rate the same information differently. We, as your independent agent, can match you up with the company that will give you the right coverage at the right price.

What do the different types of coverage mean?

Liability coverage protects from the costs resulting from injuries and property damage to other parties when you are at fault in an accident. Bodily injury liability coverage is usually expressed as split limits, showing the maximum coverage available per person injured in an accident, and the total available coverage per accident. Property damage liability covers damage that you cause to another's automobile or property in an accident. Liability limits expressed as 50/100/50 mean that you have $50,000 of bodily injury coverage per person with a maximum of $100,000 per accident, and $50,000 of property damage coverage.

Personal Injury Protection (PIP) pays for necessary medical expenses to you or anyone in your vehicle who is injured during an accident. The coverage lasts up to 3 years from the date of an accident. PIP coverage is available regardless of fault.

Uninsured Motorist Protection covers damage to your vehicle in case the person at fault has no insurance or leaves the scene of an accident. Usually, you will be required to pay a deductible when your expenses are paid through this type of coverage.

Collision coverage pays for repairs to your vehicle in the event of an accident. You agree to pay for a certain amount of the repair costs (the deductible), and the insurance company pays for the excess costs.

Comprehensive coverage pays for losses to your vehicle by such things as falling objects, theft, fire, vandalism, glass breakage and other causes. A deductible also applies to this coverage.

Loan/Lease coverage pays off your loan or lease in the event that the vehicle suffers a total loss. Without this coverage, the insurance company will reimburse you for the book value of the car, which may be less than what you owe.

Optional equipment coverage can protect you in case your aftermarket electronics, custom parts, paint or body kits, or portable devices are damaged or stolen.

Always examine the policy documents from your insurance company for the exact details regarding your coverage. If you have any questions about the details of your policy, we will be happy to review the policy with you.