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Auto Insurance Information

Auto insurance

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

What is the best auto insurance coverage for me

 

The most basic coverage required is liability insurance. This type of coverage will pay for damages and bodily injury caused by your car, however it does not cover your own vehicle. To have coverage for your own car, consider adding comprehensive and collision insurance.

If you are financing your vehicle, your lender may require you to carry comprehensive and collision coverage for the duration of the loan.

 

Are you an Uber or Lyft driver? Some insurance companies have restrictions when it comes using your personal auto for ride-sharing services like Uber or Lyft and may require you to purchase a commercial policy. Bargain Insurance Connection can provide you with personal auto insurance policy that covers ride-sharing services as well.

 

Bargain Insurance Connection specializes in auto insurance, we shop many top carriers and can provide you with variety of affordable insurance options to suit your needs.

 

We are one quick phone call away and we can have your car insured in minutes with a hassle-free over the phone process or feel free to stop by our office for a more personal insurance experience with one of our friendly agents.

 

Different rates for different cars

Vehicles are grouped into categories according to their likelihood of being damaged, vandalized or stolen. Insurers generally consider the size and type of vehicle, as well as the value and the cost of repairs. A new station wagon is expected to hold up better in an accident than a sports car or a subcompact.

 

You should research insurance coverage before you buy your car. It helps you to understand the actual cost and indicates those vehicles with good safety records. Bargain Insurance Connection will ultimately reward you for putting safety first.

 

Types of policies and what they cover:

Liability

Liability insurance coverage is typically mandatory by state law. Liability insurance coverage will protect you and your assets if you are found liable (responsible) for harming someone else's vehicle or body parts. We can help you determine how much liability coverage is right for you. If you do not have adequate coverage in place, one at-fault collision with a luxury car that has passengers could mean waving goodbye to your financial dreams.

 

Uninsured or Underinsured Motorist

This coverage is required by law in most states. It's important to keep in mind that almost 20% of drivers on the road do not have any insurance and another large group probably skimp by having the sometimes-inadequate state minimums. The premium on this coverage is typically low.

 

Collision

Collision insurance is optional insurance that provides coverage against harm done to your own vehicle. If someone hits your car, their liability insurance will cover the repairs and you won't need collision insurance. However, if you caused the accident, collision insurance will protect your car. The safer you drive, the less you need collision insurance.

 

Comprehensive

Comprehensive insurance protects you against other damages to your vehicle that might be caused besides accidents. These can be from vandalism, burglary, tornados, earthquakes, falling trees, etc. If you live in an area with a low crime rate and mild-climates, you might not need this coverage.

One thing to remember regarding Collision and Comprehensive coverage is to keep in mind your vehicles value. Once your vehicle's value drops beyond a certain benchmark, neither coverage may be worth owning. One rule of thumb to assess this value: If the insurance premium equals ten percent of your vehicle's value, you might want to drop the extra coverage.

 

We also consult on the following insurance policies:

For more information, please contact our auto insurance specialists at 816-453-7722 or fill out the online form.

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