Below you will find general information about the different types auto insurance.

With car insurance more security means a larger premium, while purchasing a budget policy can leave you without the protection you need. However, you can design a car insurance policy that will cover your needs without emptying you wallet. We recommend that you read read below and discuss the below insurance types with your agent to make sure you understand everything that will go into your premium.

Liability Insurance

This type of insurance helps protect your assets if you cause an injury to another or damage the property of another with your vehicle.

Collision Coverage

This type of insurance pays for damage to your own auto that results from colliding with another vehicle or object. With collision coverage, your car is covered no matter who caused the accident.

Comprehensive Coverage

This type of insurance pays for damage to your auto caused by something other than a collision. This includes theft and vandalism, and disasters such as fire, flood and hail.

Personal Injury Protection (PIP)

This type of insurance pays for medical care, lost wages and replacement services for the injured party. It pays regardless of who is at fault in an accident.

Uninsured/Underinsured Motorist Protection

This type of insurance pays the cost of damages and injuries resulting from being hit by an uninsured.


This type of insurance pays for medical expenses that you may obtain, resident family members and other persons injured by an accident while occupying your auto. You and resident family members are also covered as pedestrians should you be struck and injured by an auto. You will receive benefits even if your at fault.

Other Options

Rental car reimbursement coverage helps you pay for a rental car if your insured car is damaged or stolen.
Emergency Road Service is an optional coverage that helps you pay for towing if your car becomes disabled.
Mandatory car insurance coverages, limits, and deductibles vary from state to state.


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Auto insurance provides you with important financial protection against property damage and bodily injury.

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