Bodily Injury to Others
This coverage will pay on your behalf those injuries sustained by others
for which you are legally liable. This coverage does not provide
protection for damage to your vehicle.
The coverage amounts are listed as a pair of dollar figures, such as
$100,000/300,000. The first figure is the amount of coverage provided per
person. The second figure is the amount of coverage provided per accident. Your
insurance broker will work with you to determine the best limits suited for
your financial needs.
Medical Payments
This coverage pays for your medical expenses incurred as the result of an
automobile accident regardless of fault.
If you don't see your current coverage listed, select the limit that is the
closest for comparison purposes.
Property Damage to Others
This coverage protects you from lawsuits resulting from accidents that are your
fault and which cause damage to the property of others. Property damage
liability is required in all states. The first amount listed in the drop-down
list is the minimum amount required in your state.
Please note: Most companies require this coverage amount to be less than
the per-person limit for bodily injury liability.
If you don't see your current coverage listed, select the limit that is the
closest for comparison purposes.
Uninsured and Underinsured Motorist Bodily Injury
This
pays for your injuries caused by a driver who has no insurance, or has less
bodily injury coverage than you have. The amounts are listed as a pair, such as
$100,000/$300,000. The first amount is the most any one person may recover in
an accident; the second amount is the maximum amount all people may recover in
an accident. If you don't see your current coverage listed, select the limit
that is the closest for comparison purposes.
Uninsured and Underinsured Motorist Property Damage
This pays for property damage to your property caused by people who are not
insured. If you select Collision for your vehicle, this will pay your Collision
Deductible when an uninsured motorist damages your vehicle. If you do not
select Collision, this will pay up to $3,500 for damage to your vehicle caused
by an uninsured motorist. This coverage is only available if you also select
uninsured motorist bodily injury coverage.
Comprehensive Deductible
Comprehensive coverage will pay for repairs to your automobile in the event of
damage from causes other than collision, such as fire or theft, regardless of
fault. The selection list gives you a choice of deductibles. This amount will
be deducted from the amount the insurance company pays you in the event of a
covered loss. If you don't see your current deductible listed, select the
deductible that is the closest for comparison purposes.
Collision
Collision coverage pays to repair your automobile in the event of collision
damage, regardless of fault. Collision covers damage from contact with physical
objects such as another vehicle or a wall. The selection list gives you a
choice of deductibles. The amount you choose will be deducted from what the
insurance company pays you in the event of a covered loss.
Rental Coverage
If you are unable to use your car due to an accident, this coverage
will pay all or part of your rental car costs. Coverage amounts vary for
different insurance companies. Please consult with your broker for more
information.
Towing and Labor
This coverage pays for the cost to tow your vehicle in the event of an
accident. Coverage amounts vary for different insurance companies. Please
consult with your broker for more information.
Antitheft Devices
These security features could qualify you for credit because you've
reduced your risk by installing:
-
alarms and active disabling devices (systems that you need to turn on)
-
a passive disabling device (automatically kicks in when you remove the key from
the ignition)
-
keyless devices (like a remote door lock on your key chain)
-
tubular locks (like a bar that locks on your steering wheel).
Steering Wheel Lock:
A long metal bar with a lock that fits on the steering wheel and is designed to
prevent the steering wheel from being turned. Also acts as a visual deterrent
for thieves looking in car windows.
Average Cost: $25 to $100
Benefits: Inexpensive way to keep would-be thieves away. Especially good
device to use when layering protection.
Car Alarms:
The typical car alarm is equipped with motion sensors, impact sensors and a
loud siren or series of tones in the 120-decibel range.
Average Cost: $150 to $1,000
Benefits: The best alarms arm themselves automatically when you leave the
vehicle and include an automatic kill switch. The best models also flash the
headlights and honk the horn in addition to sounding a siren.
Kill Switches:
Kill switches prevent the flow of electricity or fuel to the engine until the
switch is activated. Starter disablers are also growing in popularity.
Average Cost: $10 to $125
Benefits: It's a hidden switch that needs to be flipped on for the car to
start. For their effectiveness as a security device, kill switches are for the
most part inexpensive and easy to install.
Electronic Tracking Devices:
An electronic transmitter hidden in the vehicle which emits a signal that is
picked up by the police or a monitoring station.
Average Cost: $400 to $1,500
Benefits: Very effective in helping authorities recover vehicles before
they can be stripped or chopped up.
Electronic Keys:
Some car manufacturers have pre-installed electronic anti-theft systems that
allow the vehicle to operate only with a correctly coded key.
Average Cost: Standard item in some models.
Benefits: Systems are virtually invisible to thieves, easy to use and
reliable.
Steering Column Armored Collars:
Collars prevent thieves from breaking into the steering column to hot-wire the
vehicle. Some are installed permanently and others must be installed manually
each time the driver leaves the vehicle.
Average Cost: $100 to $200 installed
Benefits: The collar provides an excellent line of defense for vehicles
which can be easily stolen by breaking open the steering wheel column.
Tire Locks:
Similar to the circular steel "boots" used by many larger city police
departments, tire locks make the car nearly impossible to move. The tire locks
are also effective in deterring would-be thieves.
Average Cost: $80 to $200
Benefits: Greatly hampers thieves who are looking to make a quick
getaway. Not only is the tire lock a strong visual deterrent, but it also
provides a formidable challenge for would-be car thieves.
Window Etching:
Etching the vehicle identification number onto the window as well as other
parts of the car discourages thieves from taking the vehicle and also aids in
recovering the vehicle if it is stolen.
Average Cost: $20 to $100 (Some vehicle theft prevention groups
provide etching for free.)
Benefits: Chop shop rings thrive on vehicles that have easily removable
VINs or none etched on at all. By etching the VIN on important parts of the
vehicle, you make your vehicle less attractive to thieves.
Credit History Factor
Your credit rating may affect what you pay for insurance. Credit makes
insurance rates more accurate, fair and objective. While the use of insurance
scoring varies from state to state and company to company, it is a fact that
drivers with long, stable credit records have fewer accidents than drivers who
don't. Most people have good credit histories, so most people benefit.
Primary Operator
The person who drives the car most often.
Annual Mileage Driven
Enter the estimated total number of miles you (and other drivers) drive this
car annually with no fractions or decimals.
Convicted DUI or DWI in past 7 years
DUI and DWI are convictions you have receive as a result of driving under the
influence of any type of alcohol or drugs. Please provide an honest answer to
receive and accurate quote. Insurance companies always check a drivers Motor
Vehicle Records prior to providing insurance coverage.
Do You require an SR-22
If you've ever had a suspended license, been convicted of a major moving
violation, or been involved in an accident while uninsured, you may be required
to file a Financial Responsibility form, or SR-22 filing, with your state's
Department of Motor Vehicles.
Select Yes if this driver needs an SR-22
to reinstate a suspended license (or maintain an active license). Most
insurance companies will only provide SR-22 filings for the policyholder and
his or her spouse.
Moving Violations
Select "Yes" if this driver has had his/her driver's license revoked or
suspended for any reason in the last 3 years.
Accidents
If you're unsure on the exact dates of any violations or accidents, don't
worry. The provider will double-check. But any errors they find may affect the
quote you've been given.