If you have a driver's license, but even if you don't own a car, you should have insurance protecting your financial liability.
When Choosing Car Insurance
What Collision Insurance Covers
- Your car hits an object, such as a tree
- Your car collides with another vehicle
- Your car rolls over
- Your car is damaged due to hitting a pothole
What Comprehensive Insurance Covers
- An object falls on your car, such as a tree
- An animal collides with your car
- Your car is damaged due to fire or natural disaster
- Your car is vandalized or stolen
Liability is the required portion of your auto insurance. Liability protects you if you are at fault in an accident. In addition, liability insurance provides coverage for the other driver’s property and covers medical costs in case of injury.
Uninsured and Under-Insured liability coverage helps pay for your medical expenses and property damage when a driver who doesn’t have insurance or enough insurance causes an accident. Often referred to as UM/UMBI, it kicks in when another party is responsible for damage to your vehicle or health, but they don’t have insurance coverage to pay the bill.
Medical Payments is like health insurance within your vehicle. Medical Payments helps with medical expenses associated with injury resulting from an auto accident, regardless of who is at fault. It pays medical bills incurred by anyone in the vehicle up to the limit on your policy.
Tips To Save Money
Save by Your Choices, Not By Cutting Quality
Learning Center FAQ's
When Should I update/re-evaluate my auto insurance?
I recommend that you re-evaluate your auto insurance every three years or whenever you believe you have reached a milestone. Typically, things change over the course of three years, and it is a good opportunity to see if you might be able to save money on your insurance because of these changes.
How are auto insurance rates set?
There are many factors that go into determining the premium on auto insurance. The main factors are; the type of vehicle, your age, and driving history.
Can anyone drive my car?
In general, if the driver has permissive use from the owner of the vehicle to drive the car, insurance will cover any incident that may happen. It is always a good idea to receive confirmation from your agent if you ever have questions about coverage on your specific policy though.
Can I drive my friend’s car?
It is a good idea to confirm with your friend’s agent if there is coverage for you to drive your friend’s car. It is always better to be safe than sorry.
What is GAP insurance?
GAP insurance pays for the difference between what you have left on your auto loan and the depreciated value of your car after a total loss.
Is hail covered on auto insurance?
Hail damage would be covered under the Comprehensive portion of your auto insurance policy.
Am I covered for mechanical breakdown on my auto insurance?
Wear & tear/mechanical issues/breakdown to your auto is not covered on your auto insurance policy.
How long can my child stay on my auto policy?
Unlike health insurance, there is no age limit to when a child needs to be removed from your auto policy.