AUTO INSURANCE
At the Amaya Premier Agency, we understand that choosing the right auto insurance can be confusing, and we are here to help! Our sales agents take the time to explain each coverage option to you and make coverage suggestions so that you can be confident in the policy you’ve built for yourself and your family.
PROTECTING YOUR FUTURE
AMAYA PREMIER AGENCY AUTO INSURANCE
You can argue with how convenient the internet has made our day-to-day lives. If you can purchase groceries online, why not purchase your auto insurance online as well, right? Well unlike groceries and packages from Amazon, the coverage choices you make purchasing your insurance online could affect your financial future for years to come. Speaking with an agent can not only help you make the right coverage choices, but it can also save you money on your car insurance. Our agents uncover all the discounts you qualify for that are often missed when purchasing a policy online.
What Is Auto Insurance?
Auto insurance is essentially a contract between you and an insurance company. This contract states that you agree to pay premiums in exchange for protection against financial losses due to an accident or any other damage to your vehicle. The extent of coverage is going to depend on the type of coverage you get and there will minimum requirements depending on the state that you live in. The two most popular coverages will be a liability and full coverage. Let’s take a closer look at the two to give you a better idea of which auto insurance plan might be best for you.
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What Is Liability Insurance?
Liability insurance is the minimum insurance required in most states and covers the cost of damage and injuries to others in an accident that you have caused. This insurance does not cover damage to your own car or injuries that you sustain and will be split into two different components: bodily injury liability and property damage liability. Bodily injury liability coverage covers the cost of the other’s person’s injuries if you are at fault. Property damage liability coverage will cover damage to other vehicles or property when you are at fault.
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What Is Comprehensive Insurance?
Comprehensive, or full coverage insurance includes liability coverage, collision, and comprehensive insurance. Collision insurance is protection for situations where your vehicle is damaged by another vehicle or object while driving, regardless of who is at fault. Comprehensive insurance pays for repairs in non-collision incidents. This can be vandalism, theft, weather damage, and animal damage. This type of coverage will be one of the highest levels of protection you can have for yourself and your vehicle.
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What Insurance Do I Need For My Vehicle?
To get the best protection for your vehicle, we suggest having full coverage, or comprehensive insurance. This is going to provide you with the highest level of coverage to ensure both you and your vehicle are covered in any type of accident. If your vehicle has a loan on it, most companies are going to require that you carry full coverage insurance to protect the investment of the vehicle while you are paying for it. For those with older vehicles that are paid off and don’t hold much value, you can get away with cheaper liability insurance. This will ensure that you have coverage for a vehicle you hit, but will not cover your vehicle.
A helpful tip when it comes to choosing the best insurance policy is deciding what you would need if you were in an accident and needed help paying for repairs. Accidents can happen at any time and having the right coverage can expedite the repair process with little to no money out of pocket.
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Why Is It Important To Review My Coverage?
The worst time to find out you are underinsured is after you’ve had an accident and the best time to review your coverage is now. For example, did you know you can choose a lower deductible windshield replacement versus what you would pay after an accident? Let us help you make the best coverage decisions for the coverages below and others:
Liability
Covers property damage and/or injuries to another person when you're at fault.
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Uninsured Motorist
Covers your property damage and/or injuries expenses if the other driver is at fault and doesn't have insurance or flees the scene.
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Collision
Covers the cost of repairs to your vehicle if you hit another vehicle or object whether you’re at fault or not.
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Comprehensive
Covers replacing or repairing your vehicle if it's damaged in an incident that's not a collision such as vandalism, theft, hail, fallen trees, etc
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Additional protection
Coverages that can further protect you, your family, and your vehicle are:
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