What is Auto Insurance?
And why you need it
Auto insurance is essentially a contract between you and the insurance company. It protects you against financial loss in the event of theft or an accident. The insurance company agrees to pay for losses outlined in your specific policy in exchange for your paying a premium.
Auto Insurance Basics
Types of Insurance
Required by law. Bodily injury and/or property damage.
Advisable to cover more than state’s minimum requirements.
Each state sets coverage limits.
Uninsured and Underinsured Motorist
Your medical expense caused by uninsured driver.
Prevents out-of-pocket expense if at-fault driver is uninsured.
Not all states require this coverage.
Theft, vandalism, fire, natural disasters, falling objects, animals, civil disturbance.
Separate from collision deductible, but more peace of mind.
Optional unless required by lender. You set deductible. Damage to your or other’s car, and your medical expense not covered.
Collision with other vehicle, object, or single car accident.
Helps pay to repair or replace car.
Choose deductible. Limit is usually cash value of vehicle.
Health deductibles and co-pays, doctor, hospital, surgery, emergency fees.
Optional, but prevents out-op-pocket expense.
Limit is maximum amount your insurer will pay.
Medical expenses, lost wages, substitute services, funeral expenses
May help pay medical bills not covered by health insurance, regardless of who’s at fault.
Does not cover damage to vehicle, theft, property, medical expense that exceed limit.
Why choose us
We help you save time and money so you can focus on what's important in your life.
Find the right coverage
Compare the offers and insurance companies. Take your time reviewing the offers and choosing the policy that is right for you.
Best prices on policies
We'll sort through over 200 health insurance companies and find the best rates available in your area. We'll even check discounts.
We'll ask you a few questions about the health insurance coverage you are looking for. Don't worry, it's easy, free and only takes 1 minute.