What is a personal auto policy and why do I need it?
Personal automobile insurance protects your private vehicle against economic losses that were caused by you or a third party. These losses include bodily injury or property damage to others. Personal auto insurance covers accidents that occur while you are driving a vehicle for personal use or to commute to work, it does not cover business vehicles. If your car is used for work, a separate coverage must be obtained: Commercial Auto Insurance.
What does the personal vehicle policy include?
The personal auto policy includes the coverage for bodily injury liability for people who get injured in an accident, property damage to third parties and yourself if you purchase this extra coverage and medical payments.
Personal auto policies do not include intentional damage, general maintenance or damage caused by rear and tear of the vehicle.
How much does a vehicle policy cost?
The national average cost of car insurance is $1592 per year with the prices recently rising due to inflation. The price depends on your driving history, year/make/model of your car, your age, etc.
A minimum-coverage policy can be much cheaper than a normal policy. As the name suggests, this kind of policy only meets the minimum requirements for auto insurance in any state.
How long does the auto policy last and how can I renew it?
Personal vehicle coverage can last 6 months or 1 year. Keep in mind that usually, the longer policy term has a more favorable price.
You can renew your policy by logging into your account or by contacting us directly.
