What we look for:
Collision & Comprehensive
While the liability part covers the other party, collision and comprehensive covers you. Unlike liability insurance, there is usually no law requiring you to have it, but it just makes sense. In most cases if you have a loan or lease for your vehicle, then your bank or credit union will require this regardless of the law. Collision is the coverage of your own vehicle and covers you if you get in an accident that is your fault, or slide off the road on a patch of ice. Other than collision, sometimes referred to as comprehensive, covers stuff like a cracked windshield, hitting a deer, or your car being stolen. It does not cover things like normal wear and tear, mechanical breakdowns, or tires.
The deductible is how much you are responsible for paying on Collision or Comprehensive before your insurance will start to pay. One of the most common deductible amounts is $500, but other common amounts vary from $100 to $2,000. Most of the time when you do a higher deductible it will lower the amount you pay each month. But it also means if you need to file a claim then you will have to pay more out of your pocket right then! We will help you to find a good balance that will work for you.
Other Coverages & Discounts
Some of the other things we look at are:
- Medical payments Coverage
- Personal Injury Protection (PIP)
- Uninsured Motorist Coverage
- Underinsured motorist Coverage
- Roadside Assistance / Towing
- Rental Reimbursement
- Bundling Discounts