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When buying car insurance, you’re in the driver’s seat. Here’s a review of the basics you need to know to get an online car insurance quote and purchase a policy. We can simplify your life with a wide range of benefits, features and services designed to help you save money on your car insurance and get you back on the road quickly when you have a breakdown or accident. It’s all about car insurance you can depend on.

Car Insurance Coverages -
Protecting Yourself and Your Car
We’ll help make sure you have the right coverages for you and your car:

  • Liability
  • Medical Payments / Personal Injury Protection
  • Uninsured / Underinsured Motorists
  • Collision
  • Comprehensive

Car Insurance Benefits – The Extra Features You Deserve
We believe responsible drivers deserve more than just basic coverage; that’s why we provide additional benefits including:

  • Accident Forgiveness
  • New Car Replacement
  • Unlimited Rental
  • Multi-Policy Discount

What Do Car Insurance Rates Cover – You’re Paying to Protect Yourself and Your Vehicle

Some form of car insurance is required in all states. But there are different kinds and levels of coverage, and it’s up to you to purchase the coverages you need. Here’s a quick look at the coverages car insurance rates may include, and how they protect you.

Liability
If you hurt someone or damage someone’s property in an accident, Liability Coverage pays for covered damages, and also for your legal defense if someone sues you as a result.
Medical Payments / Personal Injury Protection
This coverage applies to medical expenses up to policy limits for anyone injured while in your vehicle, regardless of who is at fault.
Uninsured / Underinsured Motorists
If you’re in an accident caused by someone who doesn’t have insurance, or not enough, Uninsured/Underinsured Motorist coverage protects you and other passengers in your vehicle, up to your policy limits.
Collision
This is what most people think of when they think about what’s included in their car insurance rates. When included in your policy, Collision covers you if your car rolls over, is hit by another car, or hits another car or object, minus your deductible.
Comprehensive
You may purchase this coverage to protect your car if it is stolen or damaged by something other than collision, such as fire, vandalism, or hail. A deductible applies.

Car insurance rates will vary depending on the coverages and policy limits you choose, as well as the deductible you select based on your personal situation.