Auto Insurance

What is auto insurance?

It's not always about the price but also the quality of coverage. Our goal is to insure  you with the right coverage with a quality rated company at the best cost possible.

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

• Property coverage pays for damage to or theft of your car.
• Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
• Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

• An auto insurance policy is comprised of six 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 requirements.
  
  Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.
  
  Why do you need auto insurance?  It's really all about protecting yourself financially.
• If you find yourself in an accident or if your car is stolen, it will cost money; often a lot of money. 
• If you or any passengers are injured, medical costs can be very expensive
• If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
• Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.