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What is Auto Insurance?

Car insurance can help protect you from costs related to auto accidents and other types of losses, such as the theft of your car. Your car insurance policy is a contract for which you pay a certain amount or — “premium” — to your insurance company in exchange for the coverages you select.

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what is auto insurance

Why Do I Need Auto Insurance?

If you’re involved in an accident, you may have expenditures for car repairs, property damage, medical bills, lost wages, and more. Without the coverage you need, you could have to pay those bills on your own.

What Does Auto Insurance Cover?

Typically, liability coverage is required in most states. This coverage helps cover someone else’s bodily injury or property damages when you are determined to be at fault for the accident. Other coverages can help cover the costs of damage to you or your auto. Discuss available coverage options with your licensed insurance agent to get the most complete protection for your individual needs.

Types of Auto Insurance Coverage

There are numerous types of coverage. Understanding the variances between the kinds of coverage that are available can help you choose a policy that is right for you. The type of coverage you need be subject to a variety of aspects, including the state you live in, whether you own or lease the car, and the age of the car you drive.

Liability Coverage

Liability coverage includes both bodily injury and property damage liability coverage and is required in most states. This coverage provides compensation for injuries to others, and for the damage, your vehicle does to another person's property if you cause an accident.

Roadside Assistance

Roadside assistance is coverage you can add to your car insurance policy to help when you find yourself stranded due to unexpected car trouble — like a dead car battery. These unexpected things can happen when you're at work, out running errands, or even when you’re at home.

Loan/Lease Gap Insurance

Gap insurance, also known as loan/lease insurance, can help protect you if your vehicle is financed or leased. If your vehicle is totaled (deemed a total loss), this coverage may pay the difference between the actual cash value of the vehicle and the unpaid balance of the auto loan or lease.

The Journey Starts Here with an Auto Insurance Quote

It’s swift and easy to get a car insurance quote. When you hit the road, feel confident that your loved ones and your pockets are appropriately protected. Let us care about the risks of the road, while you enjoy the liberty of the drive.

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