Auto Insurance Quotes

Anybody who owns a car is familiar with Personal Auto Insurance. Most drivers have it, and most states require it. A Personal Auto Insurance package typically offers some combination of collision, liability, theft, and related coverage.

What Auto Insurance Is Not

Personal Auto Insurance typically does not include commercial coverage. It is not designed for use in businesses. If you use your vehicle in a commercial setting, consider Commercial Vehicle Insurance or an appropriate specialty product.

There are a few instances in which a minor commercial application—such as pizza delivery—may fall within the parameters of a Personal Auto Insurance package, but this will always depend on the specific wording of the policy in question. When in doubt, ask! Your insurer—the auto insurance company that issued your policy—will tell you whether a specific commercial application is covered by your policy. Our advice: get it in writing!

Who Needs Auto Insurance?

If you own a car, truck, SUV, or other four-wheeled vehicle—no matter how much you drive it!—you need Personal Auto Insurance. Most states require it; most people, experts or not, would agree that driving without auto insurance is simply an irresponsible act.

If you do not own a car, but often rent them, you may find that a Personal Auto Insurance policy will provide a savings over the insurance rates charged by car rental agencies.

Things To Think About When Getting An Auto Insurance Quote

What kind of vehicle do you own? How much do you drive it? Does your insurer offer premium incentives for alarm systems, driver education courses, good grades, etc.? What is your driving/accident record? How many people will regularly be driving your car? All of these above factors are calculated in when you are looking for an auto insurance quote.

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