Auto Insurance

Whether you’re running errands, driving to work or planning a road trip with family or friends, you depend on your vehicle to get you where you’re going – and do so safely. When the unexpected happens, you can count on us to help get you back on track.

What is auto insurance?

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements.

Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

Remember: You don’t have to wait until your current auto insurance policy expires. You can start saving right away. And, you may be able to get back most of your unused premium in the form of a refund from you current insurer. For a quote, please call our office at (804) 675-4300.