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Auto Insurance

from Retailers Insurance Group

Auto Insurance

Sometimes choosing insurance is like picking a piece of chocolate from the box. It looks good, but when we bite into it, it doesn’t meet our expectations. There is a wide range of insurance products out there. The right auto, motorcycle, classic car insurance policy can help get you back on the road quickly if your car is damaged by accident, fire, theft, or other covered event. Your policy also provides protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and the insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with one of our experienced Account Managers to determine the best car insurance coverage option for you.

What kind of insurance do I need?

Auto insurance requirements vary be state.To drive in most states you must carry:

  • Liability coverage to pay for losses you cause others

Insurance makes financing possible.To finance a car, it is usually necessary to have insurance which covers damage to your vehicle before you leave the lot.This includes:

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. It will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It's the amount of money you pay toward repairs before your collision insurance kicks in. A higher deductible it will save you premium dollars.

Comprehensive Insurance (Other than Collision)

Comprehensive coverage is very similar to collision coverage - the main difference is that comprehensive covers damage caused to your vehicle caused by any unknown party or "act of God." Vandalism, flood, hurricane, theft, windshield damage and fire are all events usually covered by comprehensive automobile insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it's not legally required by any state, you will probably need it if your car is financed.

Every person is unique. Talk to us today to find out how to get the best price and value.