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AIS makes buying Auto Insurance easy and stress-free. Our friendly, knowledgeable specialists guide you through coverage options and discounts before shopping 30+ insurance partners to find you the right policy at a great price. Call us or get a free online quote today.

Basic Coverages

Every car on the road must have insurance that meets state requirements. While some states only require Bodily Injury Liability and Property Damage Liability, others have different minimums. Note that if you're found at-fault in an accident, Liability Insurance alone will not cover your losses, only the other drivers'.

Auto standard coverage guy driving with dog

Standard Coverages

Most drivers want more than basic coverage so that costs to repair a car or pay medical or other expenses are included. Standard coverages include Collision/Comprehensive, Uninsured/Underinsured Motorist, Medical Expenses and Personal Injury Protection.

Additional Coverages

For just a few extra dollars, many people opt to add these important coverages to reduce possible out-of-pocket expenses: Rental Car Reimbursement, Towing, Loan/Lease Gap Coverage, and Rideshare Insurance.

Understanding Auto Insurance

Why is Auto Insurance necessary? Having Car Insurance is vital; it covers your expenses in the event of vehicle damage or injuries to other drivers, passengers or pedestrians.

What is Auto Insurance? Auto Insurance is an agreement between you and the insurance company. It protects you against financial loss in the event of an accident or theft. By paying a premium, the insurance company agrees to pay your losses outlined in your policy.

How are Car Insurance rates determined? Auto Insurance costs vary widely based on individual rating factors like age, gender location and vehicle among other specific state differences.

Common Insurance Coverage on an Auto Insurance Policy

Bodily Injury Liability

This protects you financially (up to the policy limits) for physical injury to a third party. This includes pain and suffering, emotional distress, loss of income and even death.

Property Damage Liability

Coverage that pays for damage or destruction of a third party's property, including loss of use.

Liability

The legal responsibility for injury done by the insured to a Third Party, or damage done to their property.

Collision

A collision is an insurance term for what most people think of as an "accident." This coverage pays for damages to your car upon impact with another vehicle, object or person outside your car. This coverage is often subject to a deductible.

Comprehensive

Coverage that pays to repair or replace your car for accidental damage other than that caused by a collision, for example, you hit a signpost, or your vehicle is damaged in a storm, stolen or vandalized. Comprehensive coverage also typically includes a deductible.

Uninsured & Underinsured Motorist

Unfortunately, not all drivers are well-insured. This coverage is meant to protect you if you're in an accident with someone who is at-fault and doesn't have insurance or doesn't have enough insurance to cover the damage and injuries. It's inexpensive coverage that ensures you won't have to pay out-of-pocket when another driver's insurance isn't adequate.

Personal Injury Protection (PIP)

Within specified limits, PIP is liability coverage that pays the medical, hospital and other expenses of an insured person or people in the insured vehicle and pedestrians struck by the insured vehicle. PIP is required in no-fault insurance states.

Deductible

An amount of money which, in the event of a covered loss, the insured is required to pay prior to the insurer being liable for any damages. The purpose of a deductible is to eliminate the expense of processing small claims.

Rideshare

Rideshare refers to the taxi-like service that people provide through companies that connect passengers to drivers via a smart phone app. Examples of these companies are, but not limited to: Uber, Lyft, Sidecar, etc.

Additional Coverages

Rental Car Reimbursement, Towing, Loan/Lease Gap Coverage, Medical Expenses and Rideshare Insurance are just a few more coverages that can help you feel even more secure financially.

Why AIS?

AIS has over 50 years of Auto Insurance experience. Our Insurance Specialists shop dozens of Auto Insurance partners to find you the best combination of price and coverage. We'll see if you qualify for a multi-car or multi-policy discount because the more you bundle, the more you save.

Our agents are here to find every price-break available and to act as advocates for you with the carrier. At renewal, we re-shop your policy to see if you qualify for a lower rate.

The difference is in how we shop Auto Insurance for you. Start your AIS Instant Quote now. Then sit back and get ready to save.

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Auto Insurance Partners

We work with over 30 Car Insurance partners to compare rates and get you the best insurance coverage and price possible. We shop dozens of carriers to find you the type of insurance that fits your needs.

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