AUTO INSURANCE

Our online pricing engine can compare a variety of car insurance coverages and companies for you in as little as 3 minutes! Or, you can call one of our licensed Sales Advisors. 404-ADVANTA.

DEPENDING ON THE COMPANY YOU CHOOSE, YOU CAN GET ADDITIONAL DISCOUNTS FOR:

  • Good Driving Record
  • Good Credit Score
  • Good Student
  • Driving a Safe Car
  • Alternative deductible analysis
  • Defensive Driving classes
  • Discounts for safety features such as airbags, antilock brakes and alarm systems
  • Special pricing for students away at college without a car
  • Cost/benefit analysis for collision coverage on older vehicles
  • Combine a Homeowner's Policy with your auto insurance carrier

Many insurance carriers offer auto insurance discounts to homeowners. Homeowners can bundle their vehicle and home into one lower rate. In some cases, consumers can save up to 15 percent off their auto insurance rate by bundling their home policies. Bundling can also make it easier for policyholders to deal with their provider when they need to file a claim for either their home or vehicle.

Always ask for additional discounts! Call one of our licensed Sales Advisors to see if you qualify for additional discounts. 404-ADVANTA

OTHER BENEFITS OF AUTO INSURANCE CAN INCLUDE:

  • Free Windshield Repair
  • 24-Hour Claims Hotline
  • Guarantee on Repairs
  • Flexible Payment Options

Benefits vary from company to company, and some require the purchase of certain coverages. Our licensed Sales Advisors can review your options with you to find the company and coverage that are right for you.

When you buy an auto insurance policy, you are buying a package of individual coverages. Each coverage protects you against different types of losses. Once you understand the various coverages, you can decide which ones to include in your personal insurance package. You can also determine the limits of coverage you will need. The following are some common coverages found in an auto policy.

NOTE - Your policy may not contain all of these coverages.

Bodily Injury (BI) Liability Coverage pays, up to the coverage limits, for damages due to injury or death of others in a vehicle accident for which you or the operator of your vehicle are legally responsible. It also pays your legal defense costs. In most states this coverage is mandatory.

Property Damage (PD) Liability Coverage pays, up to the coverage limits, for another individual's vehicle or property that has been damaged in an accident for which you or the operator of your vehicle is legally responsible. In most states this coverage is also mandatory.

Medical Payments Coverage pays, up to the coverage limits, for reasonable and necessary doctor, hospital and funeral expenses for you and your passengers injured or killed in an accident, regardless of who is at fault. Payments are usually limited to one to three years after the accident. This coverage is optional in most states without no-fault insurance systems.

Uninsured/Underinsured Motorists (UM/UIM) Coverage pays, up to the coverage limits, for pain and suffering which is not covered by medical, disability and PIP. Underinsured motorist coverage pays for bodily injury to you or your family resulting from the negligence of someone whose liability insurance limits are insufficient. The definition of an underinsured motorist varies from state to state.

Collision Coverage pays, up to the coverage limits, for damage to your vehicle or a vehicle you are operating caused by a collision or rollover. This coverage is usually required if you have a vehicle loan.

Comprehensive Physical Damage Coverage pays, up to the coverage limits, for damage to your vehicle or any vehicle in your custody resulting from theft, fire, vandalism, flooding, hail or other perils (but not damage by collision or overturning). It is usually required if you have a vehicle loan.

Rental Reimbursement pays up to a specified amount for rental vehicle charges while your vehicle is being repaired for damage covered under your policy. If you prefer not to incur the cost of renting a vehicle yourself and cannot be without a vehicle while yours is being repaired, you might consider this coverage.

Towing and Labor covers some costs incurred for services rendered at the place of breakdown or for towing to a repair shop. It covers the delivery of gas, oil or a battery, but not the cost of these items. If you lock the keys in the vehicle or need a tire changed, this may also be covered. These services are often included in auto club memberships, which can result in unnecessary duplicate coverage.

Insurance Savings Tip! If your auto and home are insured together, you can realize substantial savings on both. If we insure your Auto, click here for a free home quote. If we insure your Home, click here for a free Auto quote.

Or, if you own a Condo or are just Renting, it's important to cover your property and most auto bundling discounts still apply. Click here for a Condo Unit Owners Quote or a Renters Quote.

Always ask for additional discounts! Call one of our licensed Sales Advisors to see if you qualify for additional discounts. 404-ADVANTA

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