FIND THE BEST RATES IN AUTO INSURANCE

Benefits of Auto Insurance

Financial Protection: Car insurance protects your assets in a car accident in which you hurt someone else or damage their property. It can also provide you with the money you need to fix your car when it has been damaged if you elect to carry physical damage protection on your car.

Peace of Mind: When you purchase auto insurance, you can rest easy knowing that you're covered in case of unexpected events.

Potential Discounts: Many insurance providers offer multi-policy discounts if you bundle your auto insurance with a homeowner's or renter's insurance policy. In addition, you may qualify for additional discounts that will make your car insurance more affordable and attainable.

Protection Against Fines and Penalties: Because most states require that a driver carries at least a minimum-required amount of bodily injury liability and property damage liability coverage, you can drive safely on the roads knowing that you are adhering to your state's laws. Driving without auto insurance can result in steep fines and penalties in all states.

Eligibility Requirements

Anyone who owns a vehicle is eligible for car insurance. You will need to provide the following information to get a quote that suits your budget and provides the protection you need on your policy:

Personal Information: You'll need to provide details such as your full name, address, date of birth, driver's license number as well as the names, dates of birth, and driver's license numbers for any other drivers in the household or who have access to your vehicle. You will also need to specify if you have been required to carry an SR-22, or financial responsibility filing, by a court or your state.

Driving Record Details: When applying for a new car insurance quote, you will need to disclose the dates, details of what happened, and the amount paid for any accident that you or any of the drivers that will be on the policy have had in the last five years. You will also need to disclose any moving violations the drivers have had in the last five years.

Vehicle Information: You will need to provide the year, make, model, and vehicle identification number for each of your vehicles as well as the way that you use the car, and the annual mileage that you put on each car.

Coverage Preferences: If you already have an active auto insurance policy, you can refer to the current coverages on your policy to get an "apples-to-apples" quote and select higher or lower limits based on what you're looking for. If you do not have car insurance, you should have an idea of how much liability coverage you need or want, the deductibles you will be comfortable paying out-of-pocket for physical damage on your own vehicle, and elect any optional coverages you may want or need.

Liability Vs. Full Coverage Auto Insurance Policies

There are two coverage types that you can purchase on your car insurance--liability, which covers the injuries and damages that you cause to someone else or their property or full coverage, which provides liability coverage as well as coverage for your vehicle so that it can be repaired or replaced after an accident. Most states require at least liability, which includes bodily injury liability and property damage protection on any vehicle on the road. If your car still holds value, you should request a quote for full coverage. If you are financing or leasing a vehicle, you will be required by your lender to carry full coverage on your vehicle.

A-MAX Insurance will help you to customize your car insurance coverage and help you find potential savings through coverage recommendations and discounts so that you can have peace of mind and adhere to your personal budget.