Let us help you with your auto insurance needs.
When most people think about auto insurance, they think about damage to their car. The truth is, auto insurance covers much more than just your car.
Important coverages
Given the sheer amount of cars on the road and the distractions drivers deal with every day, the chances of being involved in an accident are greater than ever.
If you're found responsible for an accident and your liability limits aren't high enough to cover the damages, you could be held personally liable. What a lot of people don't realize is, having great coverage doesn't necessarily mean higher premiums.
-
1
Collision Coverage
Covers your car in the event you damage it in an accident with a fixed or moving object — another car, a curb, a house, a guard rail, etc.
-
2
Comprehensive Coverage
Protects your car from non-collision damage: theft, a rock that cracks your windshield, an animal you might hit, hail, fire, and vandalism.
-
3
Property Damage
If you damage someone else's car, a guard rail, a house, or other property, this is the part of your policy that compensates the other person for the damage.
-
4
Bodily Injury Liability
Protects you financially if you injure another party in an accident — it pays for their medical bills and related expenses. Due to the high cost of medical care, it's dangerous to carry limits that are too low.
-
5
Un-insured & Under-insured Liability
Pays you if you're injured by another party who was either unidentified or didn't carry enough Bodily Injury Liability to cover your expenses. You have zero control over how much insurance other people are driving around with.
What carriers use to price your policy
Insurance companies use a handful of signals to calculate your rate. Understanding them can help you get the most competitive pricing:
Age
Drivers under 25 and over 65 typically don't get preferred rates.
Credit
Better credit means more favorable rates.
Car
Type of car, engine size, and safety features all factor in.
Driving History
Multiple violations or accidents affect your rate for 3+ years.
Household
Young drivers in the home impact everyone's rate.
Ready for a real quote?
We'll shop the whole carrier network in one form. No fees. No spam. No pressure.