• Your auto insurance coverage limit is the highest dollar amount we’ll pay if you make a claim on a covered loss (that’s insurance-speak for any losses that fall within the bounds of your policy).
• The higher your coverage limit, the more we may pay, but the higher your premiums will be to obtain that coverage.
• Lowering your coverage limit is a good way to bring your premiums down and save money now, even if you may need to pay more out-of-pocket later, after an accident. But keep in mind that each situation is unique: be sure to consider your own needs before lowering your coverage.

• Your deductible is the amount of money you agree to pay out-of-pocket (on your own, without our help) when you make a claim covered by your policy.
• This means, for example, that if your repairs cost $1,500 and you’ve set your deductible at $500, theoretically, you’ll pay the first $500, and we’ll pay the remaining $1,000 to get your car fixed and back on the road.

Liability Coverage — If you’re at fault in an accident that's covered by your policy, and other people (or property) are injured or damaged, Liability Coverage helps protect you from the cost of these damages.

Collision Coverage  — helps pay for repairs or replacement to your car if you’re in a covered accident that involves other vehicles or stationary objects.

Comprehensive Coverage  — helps pay for covered losses caused by natural disasters, theft, vandalism, or other similar events.

Underinsured/Uninsured Motorist Coverage  — helps protect you if the covered accident was another driver’s fault and s/he either has no auto insurance, or not enough insurance to cover the expenses.

Medical Payments Coverage  — helps pay medical bills if you or your passengers are hurt in a covered accident. This option may also cover other members of your family when they’re driving the insured car.

Personal Injury Protection  — typically helps reimburse you for lost income, child care expenses, medical expenses, and other similar things if you’re hurt in a covered accident. (Personal Injury protection is not available in some states)

Limits and Deductibles  — will apply to certain types of coverage. Your Limits and Deductibles determine how much your insurance company will pay and how much you’ll have to pay when you make a claim for a covered accident.

Additional Coverage Options  — can boost convenience and peace of mind, whether it’s with our Towing and Labor-Cost Coverage*, Rental Car Reimbursement Coverage, Sound System Coverage*, or Tape/CD Coverage*.  The choice is yours.