Safeguard your Auto with Simple. Smart. Insurance options.
Because we are an independent insurance agent, we represent a variety of auto insurance companies. We help you find the most suitable policy for your unique needs. And with one phone call, you’ll end up receiving several quotes from top rated insurance companies.
As an insurance broker we’re here to save you time and money. Just fill out the form below and we’ll start working on your policy quote.
Below are Definitions of Various Coverage Options for Your Auto Insurance Policy.
Information that helps you plan, prepare and protect.
Simple. Smart. Insurance protecting what matters
Hopefully you will never need to use this insurance, but in most states it is required by law. Let’s say you are in a crash and injure another person. Maybe it’s a serious injury, and they need surgery or other medical care. This can end up costing a lot of money. In this case, liability insurance covers the costs.
What happens if a rock hits your windshield or your car gets stolen. In this scenario, comprehensive insurance would cover the damages or estimated cost of the car.
If you crash into a wall, fence, or another car, the coverage you need is collision.
It might seem logical that collision would cover this, but actually, many insurance place this under comprehensive coverage.
Gap Insurance – or loan/lease insurance can help protect you if your vehicle is financed or leased. If your vehicle is totaled, this coverage may pay the difference between the actual cash value of the vehicle and the unpaid balance of the loan or lease.
Car insurance doesn’t have to be complicated. Give our office a call and see what your budget can handle.
You can let your CSIA agent know, but to get the claims process rolling fast, you can report a claim online period.
Minimum Liability coverage – pays for losses or injuries you cause others.
As of 2021, State Minimum Auto Coverage liability limits are set at:
While this is the state minimum requirement, we suggest our clients protect themselves by maintaining higher insurance limits.