Auto Insurance

We have partnered with the team at Answer Financial, an Allstate® Company, to provide you with the best in auto insurance coverage at the most competitive rates available. With over 3.8 million vehicles and homes insured, Answer Financial can help you find plans that are just right, just for you from the top rated companies in mere minutes.
What does auto insurance cover?
Auto insurance coverage depends on the type of policy you purchase. Different types of auto insurance include:
  • Bodily injury (BI) and property damage (PD) liability coverage for damage caused to other people or property.
  • Personal injury protection (PIP) to cover medical expenses and other damages.
  • Collision and comprehensive coverage for damage done to your vehicle in collisions, and in non-collisions (i.e., fire, vandalism, or theft).
  • Uninsured and underinsured motorist (UM/UIM) coverage protects in the event of an accident where the at-fault driver doesn’t have the proper insurance coverages.
What does auto insurance not cover?
Car insurance is great for covering repair costs after an accident, but it won’t cover the costs of general wear and tear, such as an oil change or tire rotation, or mechanical breakdowns.
How much auto insurance do I need?
Auto insurance requirements differ from state to state. Prior to buying auto insurance, check out your state’s requirements through their DMV/DOT website. That’s how much car insurance you have to buy, and should be the basis of your auto insurance coverage. Beyond that, you should buy as much coverage as you feel comfortable with and can afford.
Does my vehicle affect my car insurance rates?
Yes, absolutely. The market value of your car, your driving history and the history of other drivers with the same make and model play a factor in your auto insurance rates. Certain safety features may help lower your rates.