Auto Insurance

LG Insurance can help you choose the right coverage, figure out what limits to carry and a deductible that fits your budget. Contact us to schedule a consultation to discuss coverage and price to find your best fit with one of our seven automobile insurance carriers.

GET A QUOTE

Can 15 minutes really save me 15%?

The television commercials all talk about savings, but they rarely talk about what types of coverage you need to protect yourself and your family. Fifteen minute savings often means stripping your auto policy of essential coverages that will help you in case of claims need.

What is proper coverage for my car insurance?

Individual needs vary, so it is difficult to come up with a one size fits all auto insurance policy. Each state has different minimum legal limits, but those are strictly that, legal. It is important to protect yourself and your family in case of a car accident. Limits can go as high as $1 million and an umbrella insurance policy can be purchased to add more coverage to the policy.

Coverages Within An Auto Insurance Policy

  • High risk auto insurance
  • Liability Only
  • Property damage
  • Bodily injury
  • Comprehensive
  • Collision
  • Fire and Theft
  • Under-insured/Uninsured motorist
  • Personal Injury Protection
  • Rental car
  • Roadside Assistance

We can customize an auto insurance policy that meets your specific needs.

UNDERSTANDING THE LIMITS OF YOUR EXPOSURE

Information on Understanding the Liability Limits on your Auto Policy

Bodily Injury Liability Coverage:  Covers claims and lawsuits by people who are injured or die as a result of an auto accident where you’re responsible.  It compensates others for pain, suffering and economic damages such as loss of wages.  In the event that you were responsible for an accident that resulted in injuries to others, your insurance would provide coverage up to $________.  Any damages above this limit will be your personal responsibility.

Property Damage Liability Coverage:  Pays for claims and lawsuits by people whose property is damaged as a result of an auto accident that you cause.  If you hit someones property such as a car, a fence, a house, or any other property in an accident, your insurance will cover up to $________.  Any damages above this limit will be your personal responsibility.

Personal Injury Protection Coverage:  Also known as “PIP” is your medical coverage for injuries you suffer in an auto accident.  It’s sometimes called “No-Fault” coverage because it pays your own medical expenses no matter who caused the auto accident.  In the event of a serious accident injuring you or others on your policy, you have coverage up to $_______.  Any damages above this limit will be your personal responsibility.

Underinsured Motorist Coverage:  Pays for your property damage or bodily injury if you are in an auto accident caused by someone who is insured, but has less coverage than your underinsured motorist coverage.

Example of Underinsured Motorist Coverage:  Jane purchases $100,000 in liability coverage and $100,000 in underinsured motorist coverage.  Sam purchases only $15,000 in liability coverage.  Sam crashes into Jane’s car causing $25,000 in damages.  Sams insurance company pays the remaining $10,000 from her underinsured motorist coverage.

Get a free auto insurance quote!

Contact us today to get the best auto insurance rates for your vehicles. Please call us at (877) 288-7169. We look forward to speaking with you soon.