Auto Insurance

Auto insurance is every where no matter if your listening to the radio or turning on the Televesion you’ll always see some insurance company promoting there companies great rates.  The most important part when choosing insurance coverage is to make sure your educated by an agent who knows what coverage’s you need and the discounts that are available to you.  In Louisville KY there are many different options available for your quotes and you need to be able to understand them. 

If you have recently compared your rates with a friend or neighbor and found a huge difference you should give us a call more than likely your missing discounts that your elgible for that you missed when your policy first started.

Why Do You Need Auto Insurance?

No matter how safe of a driver you are or plan to be accidents happen.  Accidents happen every day to someone who thought they would never get in an accident.

What is Auto Insurance Coverage?

Your auto insurance coverage can be packaged to meet your needs.  Everyone is different in the coverage’s and options that they are elgible you need to make sure you have the right coverage for your needs. 

What are the coverages?

• Bodily injury liability coverage – pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.
• Property damage liability coverage – provides you with protection if your car accidentally damages another person’s property. It also provides you with a legal defense.
• Medical payments, no-fault or personal injury coverage – usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.
• Uninsured motorist coverage – pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.
• Comprehensive physical damage coverage – pays for damage to your car from theft, vandalism, flood, fire, and other covered perils.
• Collision coverage – pays for damage to your car when it hits or is hit by another object.