Personal Auto Insurance
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When you drive a vehicle, you are making a commitment to not just yourself, but everyone on the road that you will drive safely and follow traffic laws. This commitment also means upholding a certain level of personal auto insurance coverage that can help you in the event of an accident. Many states have insurance requirements for that reason, but what is personal auto insurance?
Personal auto insurance is a type of auto insurance policy that can help cover a variety of incidents when you’re on the road. There are a range of coverage options available, and each distinct policy has different accidents or damages that it can cover. Even if you are just looking to carry the minimum coverage your state requires, understanding the personal auto insurance options available can help you avoid a financial crisis while driving.
Why you need personal auto insurance
Auto insurance is not just a legal requirement in many states, but a beneficial policy that can help you navigate unforeseen events. Most states have mandates for liability coverage, which can help pay for damages to another person’s property or medical expenses if you are at fault in an accident. However, these minimums can fall short of providing overarching coverage that can help with non-collision incidents.
If you get into an accident, medical bills, vehicle repairs, and legal fees can add up quickly. Personal auto insurance coverage can help lessen this burden by helping to cover certain costs depending on your policy. Whether it’s a fender bender or a major collision, it's important to know what different insurance policies can cover to help you through various driving challenges.
Personalized auto insurance coverage options
Understanding coverage differences is important for drivers across the states. At Infinity Insurance Agency, Inc., we offer a wide range of insurance options that can meet a driver’s unique needs. Some of the key types of coverage include:
- Liability coverage: This insurance can cover damage to another vehicle or driver if you're at fault in an accident.
- Collision coverage: This can help pay for damage to your vehicle after a covered accident, regardless of who was at fault.
- Comprehensive coverage: Comprehensive insurance can help cover non-collision incidents, such as theft, vandalism, or natural disasters.
- Personal injury protection (PIP): This coverage can help pay for medical expenses for you and your passengers after an accident as well as additional expenses like funeral costs or lost wages.
- Medical payments coverage (MedPay): Similar to PIP, MedPay may cover certain medical expenses after an accident.
- Uninsured/underinsured motorist coverage: This coverage can help pay for your damages after an accident with a driver who has little or no insurance.
- Rental reimbursement coverage: If your car is damaged from a covered loss and needing repair, this insurance can help pay for transportation or rental car costs.
- Roadside assistance coverage: Depending on your policy, this can provide towing or emergency services in the event of an accident.
Why choose IIA for personal auto insurance
When it comes to selecting an auto insurance agency, Infinity Insurance Agency, Inc. stands out from the crowd. Here’s why:
- Extensive reach: We can help you evaluate over 20 different auto insurance carriers, helping you find the policy that best fits your needs.
- Personalized auto insurance coverage options: We work closely with you to customize your coverage, so you can find insurance that aligns with your budget.
- Exceptional customer service: Our dedicated agents are committed to providing you with a high level of service, which can assist you in navigating the insurance process.
- Competitive rates: We strive to offer the best possible rates, which can help you save on your auto insurance without compromising on coverage.
- Bilingual support: Our team includes Spanish-speaking bilingual agents, which can aid in clearer communication with a diverse clientele.
- Flexible licensing options: We accept multiple types of licenses, including foreign and matricula consular, to accommodate a wider range of drivers.
Ways to save on personal auto insurance with IIA
At IIA, we can help you look for discounts that may be applicable to you. Here are some discounts you might be eligible for:
1 Paid-in-full discount:
You can save on insurance by paying your premium in one full sum.
2 Multi-car discount:
If you have multiple vehicles, insuring them all at once may grant you a discount.
3 Proof of prior coverage:
If you had an auto insurance policy before, you could get a discount.
4 Good student discount:
Students who maintain good grades may qualify you for a discount.
5 Mature drivers discount:
We can connect you with an insurer that may offer special rates for drivers who are 55 or older.
6 Usage-based insurance/telematics:
Downloading a designated app that tracks your driving behavior may help to lower your insurance premium.
How to get a personal car insurance quote
Getting a car insurance estimate with IIA can be simple and straightforward. We have two convenient options that can help you find a personalized auto insurance quote:
- Call an agent: By dialing 1-855-478-3705, you can talk directly with one of our knowledgeable agents about personal auto insurance coverage and its cost.
- Online quote: Visit our website and you can receive a free personal car insurance quote in minutes. Whichever method you choose, we aim to make the process as easy and efficient as possible, helping you understand the coverage options available to you.
Whichever method you choose, we aim to make the process as easy and efficient as possible, helping you understand the coverage options available to you.
Areas we serve
Infinity Insurance Agency, Inc. proudly operates in many states across the country. These states include Arizona, California, Colorado, Florida, Georgia, Illinois, Pennsylvania, Texas, Nevada, and Oregon. To find out if we serve your area, check out the map below.
Frequently Asked Questions
What auto coverage is required in my state?
Each state has different minimum coverage requirements. If you have questions about what coverage you need, our agents can help you understand your state’s laws.
Can I add my teenager to my policy?
Yes, you can add your teenager to an existing policy. We can help guide you through the process so you can get the appropriate coverage you need.
How much will my insurance cost?
Personal auto insurance policy costs are influenced by a variety of factors. These can include driving history, credit score, vehicle type, and which policies you need for your car. To get a personalized quote for car insurance, you can visit our website or call one of our experienced IIA agents.
What does personal auto insurance policy not cover?
Depending on your policy, personal auto insurance may not cover certain damages. Some common exclusions may include wear and tear, repairing customized parts, pet injuries, and certain work-related purposes like rideshare or deliveries. To check what your policy covers, you can discuss your coverage with an IIA agent.
How often do I pay my insurance bill?
Payment plans typically are made monthly, semi-annually, or annually, depending on your policy.
Does IIA offer other types of insurance?
Yes, we offer several types of coverage alongside personal auto insurance, including commercial auto coverage which can help cover car damages for work-related purposes. We also offer worker’s compensation insurance, general liability insurance, and inland marine insurance. You can find out more about the coverage options available by calling IIA or heading to our website.
What do I need to get a personal auto insurance quote?
To receive a quote, you may need a variety of information, which can include personal info, vehicle details, and driving history.
How fast can I get car insurance coverage?
Oftentimes, you can receive coverage on the same day you sign up. Not every insurance provider gives you same-day coverage, though, so ask your insurer before getting on the road.
Does Personal car insurance cover rental cars?
A personal auto insurance policy may cover you when driving a rental car. To figure out what your policy covers, it’s best to discuss questions with your agent.
What payment options and plans are available?
We can accept various payment options, including online payments through credit or debit card payments. Payment plans at IIA are typically monthly or paying your premium in full.
Terms and Conditions
This material is for general informational purposes only. Products, services, and discounts referenced herein are not available in all states or in all underwriting companies. All statements are subject to the terms, exclusions and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting our underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.