Auto Insurance Definitions:

Comprehensive Insurance

Insurance that covers a vehicle from damage from other dangers that collision, such as theft, vandalism, fire and some "acts of God".

Liability Insurance

Monetary protection given to the public against your vehicle driven by an insured person.  Often this is not enough and lawsuits awards can easily go beyond the minimum liability insurance requirement.

Medical Insurance

Provides medical coverage for you and the occupants of your vehicle when involved in a traffic accident.

Rental Reimbursement Insurance

Payment by the insurance company to help pay the rental auto replacement while your vehicle is being repaired due to an accident.

Towing/Labor Insurance

Insurance to help pay for towing and labor should your vehicle breakdown or be involved in an accident.

Underinsured Insurance

Insures you against a driver who has inadequate insurance to pay for your injuries or damages sustained in an accident.

Uninsured Insurance

Insures you against a driver who has no insurance to help you pay for the damages and injuries sustained by you in an accident.

 

May Help to Lower Your Insurance Premiums

Tell your agent if you have:  

*Multiple cars on one policy             *No tickets in  the past 5 years

*No drivers under 25                         *No at-fault accidents in the past 5 yrs.

*under 100 miles driven a week        *VIN number etched on windshield

*Automatic seatbelts                         *Anti-theft device

*Factory Installed air bags                 *Passed a defensive driver course

*Factory installed head restraints       *Pass a drivers training course

*Side air bags                                    *Good grades (students)     

*Daytime running lights                     * A new business

*Anti-lock brakes                                * Military status

Other Factors that affect premiums:

* What kind of car you drive - the more expensive the car, the more your pay.

*Where you drive - urban drivers pay more than those in small towns or rural areas.

*how much you drive - people who use their car for business and long-distance commuting normally pay more than those who drive less.

*Your age, sex, and marital status - premiums are higher for all drivers under age 25, especially young males and single males.

 

 

*All quotes are subject o Underwriter approval.

**All Auto companies will request a MVR on all drivers.

 

***Any accidents at-fault or not-at-fault and tickets must be reported for an accurate quote.