Personal Auto Insurance

• What is Personal Auto Insurance?

Auto insurance helps you to protect you and your family against financial loss in the event of an accident or other cause of loss. It covers the injuries and damages caused by an accident and for which you are legally responsible. It may also cover the costs of repairing or replacing your vehicle if it is damaged or stolen.

• What if I don’t have car insurance?

In most states, you’re required to carry a minimum amount of liability insurance (or post a bond) and also provide proof of insurance before you can license your vehicle or renew your driver’s license. If you are caught driving without car insurance, you may have to pay a large fine, have your driver’s license suspended, and/or have your car impounded. Contact your local Farmers agent to find out what the specific requirements are in your state for car insurance quotes.

• How much Auto insurance coverage should I purchase?

The required minimum coverage may not be enough to pay for all the damages that result from an accident, and the legally responsible driver will have to pay the additional expenses out of pocket. You may want to speak with an agent to discuss the best auto insurance coverage for your needs and budget.

• How can I keep my auto premiums down?

Generally, the longer you drive without major citations or accidents, the lower your premium will be. You may also qualify for discounts based on safety features on your vehicle. Some carriers  also offer an Annual Policy which keeps your rates stable for the entire year. Also, if you insure additional cars or your home with the same carrier,  you can save on all your premiums.

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