From basic liability to comprehensive protection, we help you find the right coverage that fits your driving habits and budget.
This is the foundation of any auto insurance policy. Liability coverage protects you when you are responsible for an accident that causes injury to someone else or damages their property. Without it, you could be personally liable for medical bills, vehicle repairs, legal fees, and other costs that add up fast.
Collision protection pays to repair or replace your vehicle after a crash, no matter who caused it. If you hit another car, a guardrail, or even roll your vehicle, this coverage ensures you can get your car fixed without draining your savings. This is especially important if you are still making payments on your vehicle.
Not every driver on the road carries insurance, even though they are legally required to. If an uninsured or underinsured driver hits you, this coverage steps in to pay for your medical bills and vehicle repairs. It protects you from being stuck with the costs when the at-fault driver cannot pay.
Full coverage combines liability, collision, and comprehensive protection into one policy, giving you the most complete protection available. This means you are covered whether you cause an accident, someone hits you, or your car is damaged by something other than a collision like theft, vandalism, weather, or fire.
Choosing the right coverage depends on your situation. Here is how to think about it.
Best if you own an older car with low value, you have savings to replace your vehicle if needed, and you want the most affordable option to meet legal requirements. This covers others but not your own vehicle.
Best if you have a newer vehicle or one you are still paying off, you want protection against accidents and non-collision events like theft or weather damage, and you prefer peace of mind knowing your car is fully covered.
Talk to us. We will walk you through your options and help you find coverage that makes sense for your vehicle and budget.
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