Auto Insurance
Drive Worry-Free with Affordable Coverage
Cruise down the highway without the nagging worry of “what if?” – no more sleepless nights over potential accidents draining your savings or leaving you stranded.
Why you should consider car insurance.
Auto insurance isn’t just a legal necessity—it’s your safeguard against life’s unexpected turns, ensuring you’re protected financially and emotionally.
- Financial Protection: Covers repair costs, medical bills, and legal fees, preventing debt from crashes or incidents.
- Legal Compliance: Meets state minimum requirements to avoid fines, license suspension, or legal troubles.
- Asset Security: Shields your vehicle and personal assets from loss, preserving your hard-earned investments.
- Peace of Mind: Reduces stress by handling claims efficiently, so you can drive with confidence.
By choosing the right coverage, you avoid out-of-pocket expenses from accidents, theft, or damage, allowing you to focus on what matters most.
Why Wait? Give Us a Call NOW!
We’re really big on human interaction and customer service. Our clients call us all the time to ask questions or get help. No need to wait for an appointment. Just give us a call and we’ll help you get started.
(435) 789-9151
Options To Consider
Liability-Only Coverage
A basic option that focuses on covering damages you cause to others, meeting most state minimums without extras for your own vehicle.
Pros:
- More affordable premiums, ideal for budget-conscious drivers.
- Satisfies legal requirements in all states.
- Simple and straightforward for low-risk drivers with older vehicles
Cons:
-
- Doesn’t cover repairs to your own car after an accident you cause.
- Leaves you vulnerable to theft, vandalism, or non-collision damage.
- May not include uninsured motorist protection, exposing you to gaps in coverage.
Full Coverage
This comprehensive coverage includes liability plus collision and comprehensive protections, offering broader safeguards for your vehicle and beyond.
Pros:
-
- Protects your car from accidents, theft, weather damage, and more, regardless of fault.
- Often includes extras like roadside assistance or rental car reimbursement.
- Provides greater financial security for newer or financed vehicles.
Cons:
-
- Higher premiums due to expanded protection.
- May require a deductible for claims, adding upfront costs.
- Overkill for very low-value cars where repair costs exceed the vehicle’s worth.
Frequently Asked Questions
What does auto insurance typically cover?
Auto insurance covers a range of scenarios depending on your policy. Liability pays for damages or injuries you cause to others. Collision handles repairs to your vehicle after an accident, while comprehensive addresses non-collision issues like theft, vandalism, or natural disasters. Add-ons like uninsured motorist protection can fill gaps for hit-and-runs or underinsured drivers.
What’s the difference between liability and full coverage?
Liability insurance covers damages to others, while full coverage includes protection for your own vehicle as well, such as repairs, theft, or weather-related damages.
How much auto insurance do I need?
It depends on your state’s minimum requirements (e.g., $25,000/$50,000 for bodily injury in many states), your assets, and risk level. We recommend at least 100/300/100 coverage for better protection. Factors like your driving record, vehicle type, and location influence needs—let’s assess yours to avoid over- or under-insuring.
Why do I need liability insurance?
Liability insurance is required by law in most states. It covers the costs of damages or injuries to others if you’re at fault in an accident, ensuring you stay compliant and protected.
How can I get the best insurance rates?
We compare quotes from multiple providers to find you the best coverage at the most competitive rates. Our team ensures you get great value without compromising on protection.
What factors affect auto insurance rates?
Rates are influenced by your age, driving history, credit score, vehicle make/model, mileage, and location. Safe drivers with good credit often get discounts. Bundling with home insurance or completing defensive driving courses can lower costs. Shop around annually, as rates fluctuate—our advisors can help compare options.
Is auto insurance required by law?
Yes, nearly all states mandate at least liability coverage to drive legally. Penalties for non-compliance include fines up to $1,000, license suspension, or vehicle impoundment. Even in no-fault states like Florida, personal injury protection is required. We educate on your state’s specifics to ensure compliance without excess spending.
How can I lower my auto insurance premiums?
Start by maintaining a clean driving record and good credit. Opt for higher deductibles if you can afford them, bundle policies, or install safety features like anti-theft devices. Discounts apply for low mileage, good students, or multi-car households. At The Insurance Advisors, we review your profile to uncover savings while keeping you adequately covered.
Be Confident in Your Coverage
Get a Quote
We’re love to discuss your situation and give you a quote. Fill out the form below and one of our agents will get in touch with you shortly.