Save money by bundling auto insurance with other policies. 

Simplify your life and save money. When you bundle your auto insurance with other policies, such as homeowners, renters, or life insurance, you may be eligible for a multi-policy discount of up to 30%. 

 

How to compare auto insurance quotes 

When comparing quotes, it is important to make sure you are getting the same value. Often a policy that has a lower premium may have a higher deductible or less coverage. To get a true one-to-one comparison, review the details of each auto policy carefully to understand what it does—and does not—include. Once you have all the policies with the same or similar coverages, you will have an accurate cost comparison.

 

Common auto coverages 

 Insurance can be confusing...we get it! But we're here to help provide you with a better insurance experience. Learn more about what these common insurance terms mean so you can be prepared when looking for a policy.

 

 

 

Auto Insurance

Comprehensive 

Also known as “other than collision,” this coverage can help pay for damage to your vehicle from vandalism, theft, weather events and accidents involving animals. 

Collision 

Regardless of who is at fault, collision can pay for damage to your vehicle if you hit another vehicle or object, another vehicle hits you, or your vehicle rolls over. 

Bodily injury liability 

If you cause an automobile accident that results in injuries, bodily injury protects you by paying for damages you may become legally liable for as a result of the accident, including medical bills and loss of income for the injured party. 

Property damage liability 

If you cause an accident, this coverage helps pay for damages to another person’s vehicle or property. 

No-Fault Insurance 

There’s a lot of confusion out there about what no-fault insurance is and how it works. So let’s start with a basic definition: no-fault insurance, sometimes referred to as Personal Injury Protection Insurance (PIP), can help cover you and your passengers’ hospital and medical expenses resulting from the accident, loss of income resulting from the inability to work and funeral expenses in the event of a covered accident, regardless of who is found at fault. 

Medical payments coverage (med pay) 

Pays to reimburse a driver or passenger for medical or funeral expenses incurred in a covered accident, up to the limits of your policy. It also covers the medical costs of pedestrians you may have injured. 

How is PIP coverage different from med pay? 

PIP insurance is like med pay but with a significant difference. Med pay pays the medical costs for you and your passengers in the event of a covered auto accident, regardless of who is at fault. 

Unlike PIP, med pay does not cover other expenses such as lost wages, rehabilitation services, funeral costs, and services, such as childcare, that you may be unable to perform due to injuries from a covered accident. 

Is no-fault insurance optional? 

No-fault insurance is mandatory in 18 states. Importantly, some states require that medical expenses incurred in the accident are covered by med pay, not no-fault insurance. 

Uninsured motorist/Underinsured motorist 

If an uninsured or underinsured driver causes an accident that results in property damage and/or bodily injury, uninsured motorist coverage may help pay for damage and medical costs for you and your passenger(s).

 

Towing and labor coverage 

This coverage can help when your car is stuck, broken down or inoperable due to an accident. 

Rental car expense 

This coverage provides access to a rental car or other transportation while your car is in the repair shop after a covered accident. Also known as loss of use or transportation expenses. 

Gap coverage 

If your car is a total loss after an accident, this coverage may pay the difference between the actual cash value and what you owe on the lease or loan.

 

Full coverage 

Despite the popularity of the term, there is no policy called “full coverage auto insurance.” You can build a dependable auto insurance package that covers you in many incidents by combining comprehensive, collision and liability insurance. 

Are you getting the discounts you deserve? 

The only way to be sure is to schedule a call to make sure you're getting the most of the discounts and benefits available to you.  

 

 

 

Insurance overview is for informational purposes only and does not replace or modify the definitions and information contained in individual insurance policies.

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