Auto insurance protects you from unexpected events like accidents, theft, and damage beyond your control. Your policy provides financial coverage based on the protections you choose, helping you avoid major out-of-pocket costs.
What’s in Your Policy?
Standard auto insurance includes:
- Liability Coverage: Covers damage and injuries if you’re at fault in an accident.
- Comprehensive Coverage: Protects against theft, vandalism, and weather-related damage.
- Collision Coverage: Pays for repairs if your car hits another vehicle or object.
- Medical Payments/PIP: Covers medical expenses for you and your passengers.
- Uninsured/Underinsured Motorist: Helps if you're hit by a driver with little or no insurance.
- Rental Car Reimbursement: Pays for a rental while your car is being repaired.
What’s Not Covered?
Basic policies don’t cover maintenance, normal wear and tear, or mechanical failures. Rideshare use and drivers not listed on your policy may also be excluded.
How Much Coverage Do You Need?
State laws require a minimum level of liability coverage, but your needs may be higher. If you lease or finance your car, your lender likely requires comprehensive and collision coverage.
How Auto Insurance Pricing Works
Your premium is based on factors like driving history, location, and vehicle type. Your deductible is what you pay out of pocket before insurance covers the rest—choosing a higher deductible lowers your premium but increases upfront costs if you file a claim.
Why a Brightway Agent Matters
We look at all your assets holistically to ensure you get the right coverage at the right price. A Brightway agent finds discounts you may not know about and recommends options like an umbrella policy for added protection. We compare options from multiple carriers to help you make the best choice—not just for coverage, but for savings too.
Get a quote online or talk to a Brightway agent today—expert guidance makes all the difference! Click here to get started!