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Auto insurance is one of the most important insurances you will need. In most states, it is mandatory to have car insurance before you can even register your car. Protect your family from lawsuits due to injury.

Coverages You Must Buy - Compulsory Insurance
Bodily Injury to Others pays expenses (medical, injury) to anyone hurt or killed by your car up to a limit of $20,000 per person and $40,000 per accident. Injuries to the driver or passengers in your car are not covered in this part of the policy. You could be sued for much more, so recommended coverage is $250,000 per person, $500,000 per accident.

Personal Injury Protection pays up to $8,000 to you or anyone you let drive your car, passengers and pedestrians, no matter who causes the accident. This pays medical, replacement services and 75% of lost wages. Motorcycle drivers and passengers are not are not covered by PIP. If you own a motorcycle, you must buy PIP to protect others.

Bodily Injury Caused By An Uninsured or UnderInsured Auto protects you, household members and passengers against accidents caused by an uninsured, underinsured or "hit and run" driver. This covers you both as a pedestrian and a driver, so that if you are hit, injuries sustained are covered up to the limits of the policy. A minimum of $20,000 per person and $40,000 per accident is required. ***It is highly recommended that you increase the standard coverage.

Damage to Someone Else’s Property covers costs associated with the loss of use of that property, when you or another authorized driver cause an accident. A minimum of $5,000 is required. Limits of $50,000 or $100,000 are recommended. Limits: no less than $100,000 is recommended.

Very Important Coverages to Add – Ask Your Strategic Agent How You Can Save Money
Comprehensive Insurance pays for damage from fire theft, vandalism, and hitting an animal, minus deductible. (Collision is excluded here.) Substitute transportation fees of $15 per day are included until your car is found or repaired. If your car is stolen, report it to the police and your insurance company immediately. ***It is highly recommended that you increase the standard coverage.

Collision pays for collision damage to your car, minus deductible, no matter whose fault. Most car loan companies require this and comprehensive. Collision with a "waiver of deductible" means that the deductible will not apply when an another known insured driver causes the accident.

Bodily Injury to Others expands your liability protection up to whatever amount you choose- usually $250,000 - $1,000,000. This also pays for damages suffered by passengers in your car.

Other coverages to elect: Substitute Transportation and Towing and Labor

Ways to Save on Your Auto Insurance

  • install anti-theft devices
  • AAA members save 5% maintain good driving records, no moving violations, speeding tickets or accidents
  • increase your comprehensive and collision deductibles to at least $1000
  • low mileage- less than 7500 miles a year, save 5%, fewer than 5000 miles a year, save 10%

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