What Does Auto Insurance Cover?
A standard auto insurance policy from GRIT Insurance offers a variety of coverage options to protect you from the unexpected:
- Liability Coverage: Protects you financially if you’re responsible for injuries or property damage in an accident.
- Collision Coverage: Covers the cost of repairing or replacing your vehicle after a collision, regardless of fault.
- Comprehensive Coverage: Protects your car from non-collision incidents like theft, vandalism, or weather-related damage.
- Personal Injury Protection (PIP): Covers medical expenses and lost wages for you and your passengers after an accident.
- Uninsured/Underinsured Motorist Coverage: Protects you if you’re involved in an accident with a driver who doesn’t have adequate insurance.
- Roadside Assistance: Offers peace of mind with coverage for towing, flat tires, lockouts, and more.
Why Choose GRIT Insurance for Your Auto Insurance?
As an independent insurance agency, GRIT Insurance offers more than just one-size-fits-all policies. We provide personalized service and the flexibility to shop across multiple carriers to find the right coverage for you.
Here’s why drivers trust GRIT Insurance:
- Competitive Rates: We compare policies from top insurance providers to ensure you get the best value.
- Customizable Coverage: No two drivers are the same, so we tailor your policy to your unique needs.
- Local Expertise: As your neighbor, we understand the risks drivers face in your area and recommend appropriate coverage.
- Exceptional Support: From getting a quote to navigating a claim, we’re with you every step of the way.
Frequently Asked Questions About Auto Insurance
How much auto insurance coverage do I need?
The amount of coverage you need depends on factors like your state’s minimum requirements, the value of your vehicle, and your personal financial situation. Our agents can help you determine the right coverage levels for you.
How can I save money on auto insurance?
There are several ways to save, including bundling your auto policy with home or renters insurance, maintaining a good driving record, and taking advantage of discounts for safe driving, multiple vehicles, or anti-theft devices.
What’s the difference between collision and comprehensive coverage?
- Collision Coverage: Pays for damage to your car after an accident, regardless of fault.
- Comprehensive Coverage: Covers non-collision incidents like theft, vandalism, and natural disasters.
What happens if I’m in an accident with an uninsured driver?
Uninsured/Underinsured Motorist Coverage helps protect you by covering expenses related to an accident caused by a driver without adequate insurance.