Comprehensive Auto Insurance Solutions for Peace of Mind

When reviewing your policy, you may notice specific coverages and wonder about their purpose. Here are some of the essential ones:

• Collision Coverage: Protects your car if it sustains damage from a collision involving another car or an object, such as a curb or guardrail.
• Comprehensive Coverage: Pays for non-collision damage, such as theft, rock chips, or animal collisions.
• Property Damage: Compensates others if you damage their vehicle, guard rail, house, or other property.
• Bodily Injury Liability: Covers for medical expenses if someone is injured in an accident.
• Uninsured & Underinsured Liability: Protects you if another driver injures you and lacks adequate insurance—crucial since you can't control others' coverage.

• Age: Insurers use age in their rate calculations. Due to a higher risk of accidents, drivers under 25 and those over 65 frequently have higher rates.
  
• Credit: Good credit generally results in lower rates.
  
• Car: The rate depends on car type, engine size, and safety features.
  
• Driving History: Violations or past accidents typically mean higher rates.
  
• Household: The entire household's risk is considered. Multiple drivers under 25 in one household may raise everyone's rates.