Affordable Auto Insurance for Cleveland Area Drivers
About Car & Truck Insurance for Local Cleveland Drivers
Auto insurance is a type of insurance policy designed to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Auto insurance may also offer financial protection against theft of the vehicle and possibly damage to the vehicle, sustained from things other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.
Here's an overview of what is typically covered under auto insurance:
1. Liability Coverage
Bodily Injury Liability: Covers costs related to injuries or death that you or another driver causes while driving your car.
Property Damage Liability: Covers damages you cause to someone else’s property with your vehicle.
2. Collision Coverage
This pays for damage to your car resulting from a collision with another vehicle, an object, or as a result of flipping over. It also covers damage caused by potholes.
3. Comprehensive Coverage
Comprehensive insurance covers damage to your car caused by events that are out of your control. It covers things like theft, vandalism, fire, natural disasters (hurricane, tornado, flood), and hitting an animal.
4. Personal Injury Protection (PIP)
PIP covers medical payments for the insured driver, regardless of fault, for medical bills resulting from a car accident.
5. Uninsured/Underinsured Motorist Coverage
- Uninsured Motorist Coverage: Covers your injuries and, in some policies, certain property damage if you’re hit by an uninsured driver or, in some cases, a hit-and-run driver.
- Underinsured Motorist Coverage: Pays for your expenses when the at-fault driver does not have enough insurance to cover your medical expenses.
6. Medical Payments Coverage
This coverage pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.
7. Gap Insurance
For those who lease or finance their car, gap insurance covers the difference between what you owe on your car and its current market value if it’s destroyed or stolen.
Additional Options
- Rental Reimbursement: Covers rental car costs while your car is being repaired after a covered accident.
- Roadside Assistance: Provides services like towing, flat tire change, locksmith service, and battery jumpstart if you’re stranded on the road.
Choosing the Right Coverage
The right auto insurance coverage for you depends on a variety of factors including the value of your car, the amount of risk you are comfortable taking on, your financial situation, and the requirements of your state. Most states require a minimum amount of liability coverage, but it’s often a good idea to purchase additional coverage for greater protection.
Additional Vehicles We Cover
Motorcycle Insurance
Harley Davidsons, Yamahas, Indians, Hondas, Vespas & more. We’ll find a rate for your motorcycle to keep you protected and save you money.
Boat
Insurance
Let us shop 50+ insurance companies to find the best rates for your personal watercraft. Jetskis, pontoons, sailboats and kayaks. We’ll keep you afloat.
Camper & RV Insurance
From motorhomes to travel trailers, our insurance packages will help you save you money, keeping your life on the road protected from the unexpected.
ATV, Golf Cart & Other Toys
Have a golf cart, ATV, snowmobile or other toys? We can insure a variety of vehicles to keep your personal property protected.
Local Cities We Serve:
- Akron
- Brunswick
- Chardon
- Chagrin Falls
- Columbia Station
- Medina
- Strongsville
- Akron
- Brunswick
- Chardon
- Chagrin Falls
- Columbia Station
- Medina
- Strongsville
- Akron
- Brunswick
- Chardon
- Chagrin Falls
- Columbia Station
- Medina
- Strongsville
