The thought of having a car accident almost never crosses your mind. If we’re doing our job right, we hope it stays that way.
We work with over a dozen companies to offer you auto coverage at competitive rates. If there are discounts you might qualify for, we’ll find them. Whether you’re a safe driver, a good student; a hybrid vehicle lover or a classic car aficionado, we’ll find you the right car insurance at the right price.
What is collision coverage?
Collision coverage is what covers you when you hit a fixed object, like a tree, guardrail, pothole or another car. Hence the name collision. Most collision coverage doesn’t cover the cost to repair the other car or any structures that were damaged in the wreck.
What is comprehensive coverage?
Comprehensive coverage takes care of most incidents that aren’t collision-based, like theft, vandalism, fire, hitting an animal, glass damage or being struck by a falling object.
What kind of coverage do I need for my car?
There are many factors to consider when choosing what type of auto coverage fits your needs. You might ask yourself: Are both types of coverage necessary, or can I live with one or the other? Here are some items to think about:
- Your surroundings. Do you live in an urban area with congested traffic, or somewhere more rural where the likelihood of animal encounters is higher? What does your commute look like? Does your area experience frequent storms that can cause weather damage or road blockages?
- Your savings. If you were to get in an accident and needed to pay for repairs, how much could you afford to put towards fixing your (or someone else’s) car? If your car were stolen, could you afford a down payment for a new one?
- Your car’s current value. Is your car new or used? How many miles are currently on it? What is its mechanical history? Do you know the Kelley Blue Book value of your car? These are all things to take into account when determining your car’s value.
Is car insurance required?
Yes. Car insurance is required by law in 49 out of 50 states. (New Hampshire doesn’t require it, but they do mandate that you show you’re financially able to pay for damages.) The bottom line is that driving without insurance is not only dangerous, but it can be financially devastating in the aftermath of an accident and open you up to heavy legal penalties.