Auto Insurance

Driving provides every individual a sense of freedom, but with every freedom comes responsibility. While driving, your responsibility becomes the safety of yourself, your passengers, fellow drivers and of your surroundings. Having auto insurance helps you live up to that responsibility. Get your own Online Auto Insurance Quote today.

Why You Need Auto Insurance

  • Protect Your Investment — Your car is probably one of your most expensive assets. Auto Insurance protects that investment by covering damages to your car from accidents, vandalism, theft and more.
  • Safety — Auto Insurance helps ensure your ability to cover the costs of potential property damage or injuries, both for yourself and others.
  • Required by Law and Lenders — Most states require you to have minimum liability coverage to drive your own vehicle. Generally, lending institutions also require you to insure vehicles for which you've borrowed money.

Types of Auto Coverage

  • Liability — Covers damage you cause to the property of others and also covers other person's injuries.
  • Personal Injury Protection (PIP) — Covers expenses for injuries to yourself and your passengers, regardless of fault.
    • (PIP) Medical Limits — These may include medical and surgical treatment; dental and optometric treatment; ambulance and nursing services; and necessary medications, supplies and prosthetics.
    • (PIP) Economic Limits — These may include lost wages, substitute services such as home care, and funeral expenses for yourself and your passengers.
  • Uninsured Motorist (UM) and Underinsured Motorist (UIM) — Protects you if you are injured in an accident with others who carry insufficient or no liability insurance.
  • Collision Coverage — Covers damage to your own vehicle in an accident.
  • Comprehensive — Covers fire damage to your vehicle, break-ins, vandalism, theft, and natural disasters.
  • Extra Coverage — Includes expenses for towing, labor, temporary replacement vehicles, etc.