Driving always comes with some level of risk. Auto insurance can help protect you and others should you have an accident while driving. There are several different types of coverages that you can purchase with an auto insurance policy:

• Liability coverage, also known as Bodily Injury and Property Damage (BI/PD), includes protection for  injuries sustained by someone else as well as damage to another person’s property if you’re responsible (liable) for the accident.
• Medical Payments coverage, can help pay for injuries of drivers or passengers regardless of fault. It’s often an affordable supplement to your medical insurance.
• Collision coverage pays for damage to your vehicle caused by an accident.
• Comprehensive coverage pays for damage to your vehicle caused by wind, hail, theft, vandalism, and more.
• Uninsured Motorist coverage, also known as UM/UIM coverage, pays for your injuries if the person responsible for the accident either doesn’t have insurance or doesn’t have enough insurance to cover your expenses.

Who Needs Auto Insurance?

At the very least, anyone operating a motor vehicle is required to have Liability coverage. This ensures that drivers have the means to help cover the basic costs of accidents that they might cause.  It is very important to know the liability limits that are on your auto insurance policy before a potential accident happens.

Is Auto Insurance Expensive?

Many different factors play a role when determining the cost of auto insurance: where you live, your driving record, your age and marital status, what type of car you drive and whether you own a home, can all have an impact on how much you’ll pay for insurance. The best way to find out what your premium and coverage will be is to ask a licensed agent in our office to provide you with a quote.

Get Your Auto Insurance Quote Today

Our licensed staff is ready to help you get the right quote for your auto insurance. We’ll work with you to maximize your discounts while getting you the coverage you need. Call today.