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 to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

Source-III

Auto Insurance Information

Shopping for auto insurance? The right information can go a long way. We give you the insurance basics — and more — to help you make informed decisions. We make it easier for you to understand your insurance coverages and service options.

Rates May Vary Depending On How You Buy

Customers who shop for auto insurance have several ways to buy a policy. Our experience indicates that some customers prefer the in-person counsel and personal attention of an agent/broker while others prefer the convenience of around-the-clock shopping. To focus on customers' preferences, we offer two distinct channels to buy insurance: Drive Insurance from Progressive specializes in selling auto insurance through Drive agents/brokers, while Progressive DirectSM focuses on selling insurance directly to customers by phone and online.
The companies that sell Drive insurance policies, as well as the companies that sell Progressive Direct policies, make independent decisions about the expenses they incur and the prices of their products while keeping the needs of their customers in mind.

Rates between channels vary in part because they are based on the different costs of doing business. If you buy through a Drive agent/broker, your rate includes the commission paid to the agent/broker for selling the policy. If you buy from Progressive Direct, which sells directly to the customer, the rate reflects the cost of building, staffing and maintaining the Direct sales centers as well as Progressive Direct's marketing costs.

Source-Progressive

Auto Insurance Information-How Much Coverage You Need

This is a grea tool for auto insurance and informing you on how much auto insuarance coverage you need. Click on the link below to check it out:

Auto Insurance Information

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