Take it from us, car insurance is complicated…but that’s why we are here to help. Choosing the right auto insurance policy can help get you back on the road quickly but how do you know how much coverage is enough?
Our team of insurance experts understands each client has their own individual needs. Knowing what those needs are is our job so we can help you make the right choice when it comes to your coverage.
Auto insurance requirements vary by state. In some states, to drive you must carry:
We write car insurance in Washington, Oregon, California, Idaho, Montana, Nevada, Arizona, Colorado and Illinois. With a live person to answer your questions and access to more than 30 insurance companies we will help you find an auto insurance solution that fits your needs.
Even in states where coverage isn’t required, by law drivers must be able to pay for losses they cause others. Having car insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:
Collision coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.
Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) Although it’s not legally required by any state, you will probably need it if your car is financed.
When you choose Insurance Services, you’re partnering with a team of professionals who understand that every person is unique – and finding the right coverage at the most competitive price makes a difference. Talk to us today and find out how we can help you get the best price and value on car insurance.