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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
Liability Only
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.
Comprehensive
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
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.
Medical Payments
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.
Personal Injury
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.
Have any Questions?
We’ve got you covered!
Who needs Auto Insurance?
The short answer is everyone should have auto insurance. Auto insurance is required by law in most states. Having insurance ensures that you are financially responsible for damages you may cause. Premiums are paid to have damages covered should you face a claim against you.
What type of Auto Insurance should I get?
Liability insurance is required by law in almost every state. It helps pay for damage you may cause. However, the majority of people also opt for additional coverage. It’s a good idea to have enough insurance to protect you and your loved ones from financial ruin if in a car accident. Our agents can walk you through the process to determine the best plan for you.
What kind of insurance plans do you offer?
At InsurancePlans, we offer insurance plans of all kinds. This includes Medicare, health, life, auto, and home.
Is it cheaper to buy insurance through InsurancePlans?
Each family has a very specific lifestyle and income. InsurancePlans instantly shops and compares rates for you to find the coverage that best fits your unique needs and budget.
How do you help people find the right plan?
We can help you find insurance plans of all kinds. We represent many top-rated insurance companies. You can be sure to find the plan that matches your unique need.
What makes InsurancePlans different?
InsurancePlans is your one stop for medical coverage. The difference is that it’s our top priority to give you peace of mind that you and your family are protected.
Is InsurancePlans an insurance company?
InsurancePlans is not an insurance company. We shop some of the most trusted insurance companies on your behalf, making the process simple and convenient.
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.
Plan recommendation
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.
We help you save time and money so you can focus on what’s important in your life.
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