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We shop over 15 carriers for you at once, so you don’t have to. We make it easy for you to compare rates and choose the auto insurance coverage that fits your needs as well as your budget.Need a-sistance or have questions? Speak with a licensed auto insurance agent for a-sistance on finding the right plan for your needs.
Your auto insurance policy is a package of protections. Depending on where you live, certain components are required, while others are optional. Some states have required minimum amounts on the required coverages, but you can increase the protection if you feel it’s necessary. You want to ensure that you have adequate coverage in the event of an accident. While it’s better to be over-insured than under-insured, you’ll want to make sure you’re not paying more than you need.You can also increase or decrease your deductible based on your budget and personal comfort. Altering it does have a direct impact on what you pay each month. If you increase your deductible, you pay less a month for your policy. Decreasing it, on the other hand, means you pay more. Raising or lowering your deductible also affects your out-of-pocket costs. For instance, a high deductible means lower monthly premiums, but you’ll have to pay more out of pocket before your policy kicks in. Keep these factors in mind when choosing.Some of the most common auto insurance coverages include:Liability. Most states require drivers to carry liability insurance, and you need to have at least the minimum amount of coverage your state requires. This coverage consists of bodily injury and property damage.Comprehensive. Comprehensive coverage protects you if something happens to your car when you’re not driving it. Covered incidents may include fire, downed trees, hail, vandalism, and theft. While comprehensive is optional in most states, a lender may require it if you’re leasing or financing your vehicle.Collision. Collision protects you if you’re involved in an accident with another driver or you hit an object while you’re driving. The coverage helps to pay for the repair or replacement of your car. Like comprehensive coverage, collision is optional, but you may be required to have it if you’re leasing the car or you’re paying off a loan for it.Other types of insurance coverage include:
Outside of the minimum requirements based on where you live, you get to choose the amount of coverage you want, what types of coverages you want, and what deductibles you want. An A-surance agent can help you make sense of your options and help you select the best protection (and amount of protection) for you.
An auto insurance quote gives you a general idea of what you can expect to pay based on the information you provide before you decide to purchase a policy. Insurers don’t consider every factor when generating your quote, though. This means is the actual amount you pay every month may be different from the initial quote an insurer provides.Your premium is the actual amount you pay for your policy to maintain your insurance coverage. You can choose to pay your premium monthly, bi-annually, or annually. Some insurers may offer discounts if you decide to pay the entire annual premium in full. Don’t hesitate to ask a carrier if they offer such a discount. You can also ask if the company offers any other types of discounts that can help lower your premium further. Discounts that can help reduce your monthly or annual premium include:Discounts that can help reduce your monthly or annual premium include:
Different auto insurers offer different discounts. Don’t hesitate to ask a carrier what types of discounts they might have and how much they can save you if you decide to get a policy with them.