Title: Auto Insurance
Author: Chris Langille
Published: February 7, 2016
Last modified: November 29, 2017

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# Auto Insurance

## Looking for Car Insurance in CITYNAME?

AGENCYNAME has got you covered.

Whether you live in CITYNAME, or any other part of STATENAME, when most people think
about car insurance, they think about damage to their car. The truth is, car insurance
covers _**much more**_ than just your car.

![car insurance](http://mu.staging.advisorevolved.com/wp-content/uploads/2017/11/
why-kei-51455.jpg)

Given the sheer amount of cars on the road and the distractions drivers deal with
every day, the chances of being involved in a car accident are plentiful.

**ou’re at risk every single time** you get into your car.

It’s important to understand what your coverage options are — _not just for your
car_, but for **you**, and people who may be injured as a result of your negligence.

## Having adequate Car Insurance limits is serious business

If you were ever involved in an accident, and found to be at-fault for someone else’s
bodily injuries, _you could literally lose everything_ if you’re not properly insured.

What a lot of people don’t realize is, having great coverage doesn’t necessarily
mean having higher insurance premiums.

Because AGENCYNAME is **100% independent**, we can take your current coverages and
compare them with a wide range of insurance providers to see who offers you the 
best deal possible.

The best part? **It doesn’t cost you a penny more to use us**. We are compensated
by the insurance carriers directly, and work on your behalf to properly cover your
needs and exposures, and make sure that there are no hidden gaps in your policy.

No two insurance contracts are the same, and while two policies side-by-side might
look the same, the fine print behind the cover page can vary drastically from company
to company.

This means you need someone who truly understands policy contracts, like us, to 
sort through the exclusions and conditions for you, so you can rest easy knowing
that you have the best possible coverage at the best price without having to learn
legal jargon.

## Important Auto Insurance Coverages

When you browse through your policy, you may see certain coverages and wonder exactly
what they are, and why they’re on your policy.

Let us clarify a few of the more important ones for you:

**Collision Coverage** — this is the part of your policy that covers your car in
the event you damage the car itself somehow, as a result of an accident with a fixed
or moving object like another car, a curb, a house, a guard rail, etc..

**Comprehensive Coverage** — this coverage also protects your car, but in the event
that something else damages your car, that is not a fixed, or moving object. For
example, theft, a rock that cracks your windshield while you’re driving on the highway,
an animal you might hit, and so on.

**Property Damage** — suppose you damage someones car in an accident, or a guard
rail, house, or some other property that belongs to someone else. This is the part
of your policy that compensates the other person for that damage

**Bodily Injury Liability** — this coverage protects your financial interest in 
the event you injure another party in an accident. This is the part of your policy
that pays that other party for their medical bills and related expenses. Due to 
the high cost of medical care, it’s dangerous to carry liability limits that are
too low. This is something we can help you decide on.

**Un-insured & Under-insured Liability** — this coverage pays you, in the event 
that you are injured by another party, and that other party was either unidentified,
or they weren’t carrying a high enough limit of Bodily Injury Liability to cover
your expenses. This is also a very important part of your auto policy because you
have zero control over how much insurance other people are driving around with.

## Common Auto Insurance Rating Variables

**Age** — insurance companies use your age in their overall rating algorithms. Drivers
who are under 25, and over 65 typically don’t get preferred rates because statistics
show that those two age demographics have the most loss frequency and are therefore
more at risk for financial loss due to an auto accident

**Credit** — credit is a metric that has been used in insurance scoring for many
years. The better your credit, the more favorable your rates will usually be

**Car** — the type of car, engine size, safety features, etc.. are all part of determining
the rate

**Driving History** — your driving record and loss history plays a substantial role
in the price. If you have a spotty driving history, or multiple moving violations
or accidents, chances are, you won’t get a preferred rate until those things are
at least 3 years old

**Household** — insurance companies underwrite at the household level, meaning they
try to judge based on the entire household, what the probability of loss will be.
If there are multiple drivers in the house who are under the age of 25, that will
impact everyone’s pricing in the household

## How to get started with your quotes

If you live in CITYNAME and are looking for a car insurance comparison, AGENCYNAME
makes the process of finding the best company and price easy.

We do all the heavy lifting for you!

To get started, [**call**](https://mu.staging.advisorevolved.com/contact/?output_format=md)
our office directly, or complete the fields below to send us some basic information
about your needs so we can get started on your policy review and comparison!

1Products

2Contact Info

3Location

4Documents

5Final Comments

 * Hello! What would you like a quote for?*
    -   Auto
    -   Home / Condo / Renters
    -   Business Owners Package
    -   Umbrella
    -   Rental Property
    -   Motorcycle
    -   Boat
    -   Life or Health
 * Check all that apply. You can tell us if there is something else you need a quote
   for in just a moment.

 * Primary Policyholder Name*
 *    First    Last
 * Phone*
 * Email*

 * Insured Location Address*
 *    Street Address   Address Line 2   City   State   ZIP Code

 * This is not required, but if readily available, please upload your most current
   insurance policy coverage declarations pages in PDF format so we can see the 
   exact coverage limits you'd like us to compare. These can be easily downloaded
   from your online profile with your current provider (if you have a login), or
   from your current agent.
 *  Drop files here or
 * Max. file size: 39 MB.

 * What led you to request this quote?*
    -   Internet Search
    -   Facebook Search/Page
    -   Referral
 * Who referred you to us?*
 * If you have any other questions, comments or requests, please leave them here