Special Agency
Insurance & Finance
Auto Insurance
Our auto carriers provide a wide range of auto Insurance products at a fair price. Your price get even better if you qualify for any of our available discounts. When applying for auto Insurance, you're usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be,
what liability limits you want, and whether you want any types of optional coverage.
We can help you understand what these terms mean and how much coverage is right for you.
Coverage
Collision &
Comprehensive
Collision and Comprehensive (simply other than collision) coverages pay for damage to your
automobile. You can purchase either or both of these coverages for each vehicle you own. If you
have an auto loan, you are usually required to purchase both.
Collision coverage insures you against damage to your vehicle caused during an accident.
Comprehensive (other than collision) coverage insures you against all other physical damage to your
car caused by such events as fire, theft, flood, and vandalism.
Deductible
Collision and comprehensive (other than collision) coverage usually includes a deductible, which can
range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage
in excess of the deductible you selected. The higher the deductible, the lower the premium.
Liability
Liability coverage pays for injuries you cause to other people and damage you cause to other
people's property when you are at fault in an automobile accident.
Medical Payments
This is a Paragraph. Click on "Edit Text" or double click on the text box to start editing the content and make sure to add any relevant details or information that you want to share with your visitors.
Personal Injury Protection
Some states require Personal Injury Protection, which is also known as No-Fault coverage. This
coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral
expenses. It also pays for loss of income if you are injured in an auto accident and are unable to
work.
Uninsured/
Underinsured Motorist
This coverage pays if you are injured by a person who is completely uninsured or doesn't have
enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-
and-run driver.
Optional coverage
Optional or special coverage includes extras such as towing, rental reimbursement, and roadside
assistance. None of these coverages are required. We are proud of good rental coverages for our
clients.
How much do
I need?
Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including
assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the
amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.