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   There is a lot to know about car insurance in order to fully understand what you're paying for. Buying cheap or inexpensive car insurance is great as long as it does what you need! We will help you every step of the way and provide you with auto insurance that meets your needs. The following information provides a quick education to help you navigate the twists, turns and choices involved in buying car insurance.

Auto insurance includes three broad coverage categories designed to protect you from financial loss if you have an accident:

  • Property coverage pays for damage to or theft of your car. This is usually comes in the form of Comprehensive and Collision Coverage and will usually have a "Deductible" (The amount you pay out of your pocket before the Insurance Companies start to pay).
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage (i.e. running into another car, building, or person).
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses for you and/or your passengers.

Within the three broad coverage categories listed above, an auto insurance policy is comprised of different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have additional requirements.

Remember that in order for your insurance coverage to take effect, all drivers and cars must be specifically listed on your policy. You should also refer to your automobile contract for the specific terms and conditions of the coverage that you have purchased.

Contact one of our local representatives and they will be happy to answer any additional questions that you may have with absolutely NO obligation. Call Today to get your automobile insurance quote!

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