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What is Included in Standard Car Insurance?

When you shop for car insurance, there are a lot of things to take into consideration. You need to know what types of coverage you need, how much the limits should be, and what deductibles are feasible for your situation. Insurance carriers generally offer these coverage as standard on car insurance policies:

  • Bodily Injury Liability
  • Property Damage Liability
  • Medical Payment or Personal Injury Protection (PIP)
  • Collision
  • Comprehensive
  • Uninsured and Underinsured Motorist Coverage

Optional coverage options may include:

Auto Insurance companies are likely to offer you additional coverage options, such as these listed below:

  • Gap Insurance
  • Towing and Labor
  • Rental Reimbursement or extended transportation Expenses
  • Ridesharing Endorsement (For those who drive for transportation network companies.)

Auto Insurance Discounts

It’s not a secret that you can get discounts on your auto insurance premium, the problem is knowing what discounts are available. Every state has their own list of discounts that are available; the discount offerings also vary by companies. When shopping for car insurance, talk to you agent about seeing what discounts you qualify for, such as these:

  • Multi-policy Discount (Home and Auto)
  • Multi-vehicle Discount
  • Safety device Discount
  • Anti-theft Discount
  • Safe Driver Discount
  • Defensive Driver Discount (Safety Course required)
  • Low Mileage Discount
  • Military Discount
  • Occupational Discount
  • Full payment discount
  • Loyalty Discount
  • Early Signing Discount
  • Good Student Discount
  • Distant Student Discount (studying away from home without the car)
  • Homeowner Discount

Remember, not all of these discounts may be available in your state or from certain carriers.

Working with AIS Auto Insurance Specialists

When you call an AIS Auto Insurance Specialist, you’ll be speaking with a certified agent who can help you choose coverage options, limits, & deductibles and offer you all the discounts that are available. With the discounts offered along with the lowest rates comparison that we do, you’ll likely save a lot of money by becoming a client of AIS. Get a quick online quote or call AIS at (888) 772-4247 so you don’t miss out on all the auto insurance discounts!

The information in this article was obtained from various sources. This content is offered for educational purposes only and does not represent contractual agreements, nor is it intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. The definitions, terms and coverage in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

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