Auto insurance
Auto insurance Details
Driving always comes with some level of risk. Auto insurance can help protect you and others should you have an accident while driving. There are several different types of coverages that you can purchase with an auto insurance policy:
- Liability coverage, also known as Bodily Injury and Property Damage (BI/PD), includes protection for any injuries sustained by someone else as well as damage to another person’s property if you’re responsible (liable) for the accident.
- Medical Payments coverage, also known as Medpay, can help pay for injuries of drivers or passengers regardless of fault. It’s often an affordable supplement to your medical insurance.
- Collision coverage pays for any damage to your vehicle caused by an accident.
- Comprehensive coverage pays for damage to your vehicle caused by wind, hail, theft, vandalism, and more. Essentially, Comprehensive coverage protects your vehicle from any damage not caused by a collision.
- Uninsured Motorist coverage, also known as UM/UIM coverage, pays for your injuries if the person responsible for the accident either doesn’t have insurance or doesn’t have enough insurance to cover your expenses.
The Best Auto Insurance and Car Insurance Rates from an Independent Agent
Our agents work hard to ensure that you and your family get the best rates for your car insurance. Not only will your agent search for the lowest rate to match your insurance needs, you will also get the top notch customer service from our agents at Maloney Associates Insurance.
Multiple Companies Represented
Who Needs Auto Insurance?
At the very least, anyone operating a motor vehicle is required to have Liability coverage. This ensures that drivers have the means to cover the basic costs of any accidents that they might cause.
Other auto insurance coverages, such as those designed to protect your own property, are often optional.
Is Auto Insurance Expensive?
Many different factors play a role when determining the cost of auto insurance: where you live, your driving record, your age and marital status, what type of car you drive, whether you own a home, even your credit score can all have an impact on how much you’ll pay for insurance.
The best way to find out what your premium will be is to ask a licensed agent in our office to provide you with some quotes from several of the top insurance companies.
Frequently Asked Questions
Who has the cheapest auto insurance?
No one company always offers the cheapest auto insurance. You should shop your auto insurance with an independent agent so they can quote you multiple companies at once so then you can compare coverage and pricing that suits your needs and budget.
What insurance is required for a car?
Typically, liability insurance is the only required insurance coverage. Beyond that, if you have a loan on your vehicle your lender will require you to carry full coverage on the vehicle until it is paid off.
Who has the best auto insurance?
The best auto insurance is the company that has the best coverage and pricing for your situation. No one company offers “the best car insurance.” It is purely dependent on your needs, budget, and coverage requirements.