What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Auto insurance provides property, liability and medical coverage:
- Property coverage pays for damage to or theft of your car.
- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.
Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.
Why do you need auto insurance?
It's really all about protecting yourself financially.
- If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
- Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
Questions to ask your agent
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
- How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
- What is the insurance company's level of service and ability to pay claims?
- What discounts are available? (Ask about good driver, multiple policy and student discounts.)
- What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
We Now Offer The Best Extended Auto Warranty Insurance
Vehicle Service Contract
First Commercial’s vehicle service contract gives you unsurpassed protection in the event your vehicle has a mechanical failure. This coverage is available on select vehicles with up to 135,000 miles and up to 20 years old from the current model year. Our plans are tailored to fit your driving habits with coverage for as little as 12 months or 12,000 miles to an 84 month 100,000 mile program.
You can select the coverage that is right for you.
Four levels of service to choose from:
Bumper to Bumper
Platinum
Deluxe
Powertrain
You can have the peace of mind to know that if you have a problem we will be there.
Additional benefits include:
24-hour roadside assistance
Towing
Rental car coverage
Trip Interruption
Not only are they affordable but we make it easy to pay.
Payment options:
Credit card
Check
18 month payment plan
For more information please contact your local First Commercial licensed agent today and start enjoying the benefits and reassurance that comes from having a First Commercial vehicle service contract.
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