If you’re looking for auto insurance in Mason Ohio, we’ve got you covered! Call us today for your complimentary policy review and quotes.
Contrary to popular belief and what you see on T.V., there’s much more to auto insurance than simply cutting cost. Auto Insurance isn’t just a good thing to have to protect you financially in the case of an accident – in many states it’s required.
It’s a major tool in protecting you and your family’s assets. If you’re like most people, you get in your car every single day and drive, which means you’re at risk every single day.
There are a lot of other drivers on the road and you can’t control what any of them do. You might not even be able to control what you do.
That’s why they’re called accidents.
What were to happen if you were found liable for someone’s serious bodily injuries, or even worse, death? Do you have enough insurance coverage to compensate the other party for their losses? If not, your personal possessions and assets are at stake.
Remember, auto insurance isn’t just for your car. It protects you as the driver from financial loss due to a major accident where there are injuries and possibly death.
All of the Insurance companies we represent provide a wide range of auto Insurance products at a fair price. Your price gets even better if you qualify for any of our available discounts.
When applying for auto Insurance, you’re usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage.
Make sure you understand what these terms mean and how much coverage is right for you.
- Standard and Preferred auto Insurance
- High Risk auto Insurance
- Classic autos / High Valued autos
- Special program for Mature/Elderly Drivers
- Discounts that are available
- Recreational vehicles / Boats
Collision and comprehensive (other than collision) coverages
Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.
- Collision coverage insures you against damage to your vehicle caused during an accident.
- Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.
Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.
Liability coverage pays for injuries you cause to other people and damage you cause to other people’s property when you are at fault in an automobile accident.
Medical Payments coverage
Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.
Personal Injury Protection
Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.
Uninsured/Underinsured Motorist coverage
This coverage pays if you are injured by a person who is completely uninsured or doesn’t have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.
Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.
How much do I need?
Choosing the appropriate level of auto Insurance coverage is very important, and depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.
At Senour-Flaherty Insurance, we’re not here to just try to save you money. Of course the economics of insurance is important to everyone, but in the end, the point of car insurance is protect your assets, and that’s what we intend to do.
If you’re looking for auto insurance in Mason Ohio, or any other part of Ohio, give us a call today to talk about your options!