AUTO INSURANCE
For The Ride You Love
Contact
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Landline: (227) 250 - 0009
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Licensed in MD, PA, NJ, VA, DE
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For Business Entities and Individuals
Other Insurance
Auto Insurance
Auto insurance protects your finances in the event of a covered accident, reducing the burden of covering damages or injuries on your own.
Our team of professionals is here to provide you with tailored proposals, offering the flexibility to craft a policy that meets your needs at a competitive rate.
Coverage
Auto insurance requirements vary by state, but liability coverage is mandatory in most. Uninsured/underinsured motorist coverage, medical payments, and personal injury protection (PIP) may also be required depending on your location. Optional coverages such as loan/lease payoff, rental car reimbursement, and roadside assistance are available. We're happy to review the specific requirements for your needs.
When financing or leasing a vehicle, your lender may require "full coverage," including comprehensive and collision, alongside state-mandated coverage. Comprehensive coverage protects against non-collision events like fire, theft, and vandalism, while collision coverage handles damage from crashes.
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Collision
Collision coverage provides compensation for damage to your vehicle resulting from an automobile accident. Standard collision policies cover repair costs up to the vehicle's fair market value. Typically, collision coverage includes a deductible, which is the amount you are responsible for paying before the insurance coverage applies. Opting for a higher deductible generally results in a lower premium for the collision coverage.
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Comprehensive (Other Than Collision)
Comprehensive insurance provides coverage for damage to your vehicle resulting from incidents other than a collision, such as fire, theft, vandalism, floods, or windshield damage. This type of coverage typically reimburses repair or replacement costs up to the vehicle's fair market value, minus the applicable deductible. While comprehensive insurance is not mandated by state law, it is often required by lenders if your vehicle is financed.
Deductible is also one of the factors that affects your auto insurance premium. You should always make sure your deductible is NOT so high that you'd struggle to pay for repairs before your insurance kicks in.