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Auto Insurance Information
GOOD DRIVERS ARE RESPONSIBLE DRIVERS.
From accidents and injuries to hit-and-runs and theft, it’s important to keep your car insured so you’re prepared if an accident occurs.
At McGuire Insurance Agency, we combine auto insurance with personalized service to give you the coverage that meets your needs and budget. Our insurance specialists will work with you one-on-one to find a policy that keeps you and your drivers protected– for peace-of-mind driving.
As your trusted source for car insurance, McGuire Insurance Agency offers a variety of coverage and additional protection options, such as:
Common Auto Insurance Questions:
Comprehensive car insurance
Nationwide Vanishing Deductible®
Uninsured motorist insurance
Underinsured motorist insurance
Medical payments coverage
Personal injury protection (PIP) insurance
Towing and labor insurance
Rental reimbursement insurance
Classic car insurance
What is auto insurance?
Auto insurance is a promise of financial assistance. By buying a policy, a driver agrees to pay the insurer, who in turn agrees to provide payment and other support to the driver in the event of unexpected, unavoidable vehicle accidents or other problems. With it, drivers will be reassured that they can recover from such challenges with minimal personal financial losses.
How does auto insurance work?
Any challenge or damage involving your vehicle could get very expensive, and it’s only natural to worry whether you will be able to afford such costs. Auto insurance will guarantee that you can. You can file a claim against this policy for accident costs and other losses for which you are responsible. The policy then pays a certain amount of money to aid you in your recovery costs.
Quality auto insurance will minimize your personal financial losses for such problematic losses, and you’ll be able to recover from these issues without costing yourself an arm and a leg.
What does auto insurance cover?
The average auto insurance policy can offer numerous benefits, including:
Collision insurance: This covers damage to your own vehicle that you sustained in a wreck.
Comprehensive insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Medical payments coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
Plus, to further customize your benefits, you can add countless perks into qualifying policies, including:
Is auto insurance required?
$25,000 bodily injury liability coverage per person
$50,000 bodily injury liability coverage per accident
$25,000 property damage liability coverage per accident
Alternatively, a policy with a single limit of $60,000.00 is acceptable. In addition, the policy must provide basic reparations benefits, unless the insured vehicle is a motorcycle.
Drivers who have financed their vehicles might also be required to purchase collision, comprehensive, gap or other physical damage insurance in compliance with lender rules.
It is highly recommended that you carry more than just a minimum level of auto insurance on your policy, and we are the experts who can help you determine precisely which coverage is best for you.
What does auto insurance cost?
Numerous factors can influence the cost of your auto policy, including:
Your chosen coverage limits
The value of your vehicle
Your driving accident history
It is possible for two drivers to have identical policies, but still pay different prices for them. However, we’ll make sure that we search our carrier network to help you find the policy that will offer you the most optimized price level for the benefits of your choice.
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