Auto Insurance

If all insurance is alike, what difference does it make where you get your coverage—just shop around for the best price, right?

• We’ve seen our share of accidents. But out of all the claims we see on a daily basis, few are as frequent, or as potentially life changing, as accidents involving an automobile.

• You may think you want the cheapest insurance you can find, but realize you may not be getting everything you think you’re bargaining for.

• Because while most insurance products are similar in price and overall function, insurance providers are very different when it comes to structuring a policy that actually covers you. For example: making sure you have maximum medical coverage in case you hurt someone else; or making sure you’re not overpaying for duplicate medical coverage you already have; or whether you want access to a rental car while your car is in the shop.

Insurance protects you and your assets in case of loss, injury or damage; either caused by you, or by someone else. Auto insurance usually consists of the following protections:

• Liability - in case you are found at fault

• Collision - in the event of your car is damaged by a collision

• Comprehensive - if your car is damaged by anything other than collision

But additional protection may include:

• Medical - if you have to pay on an injury for yourself or a passenger

• Emergency Road Service - if you are ever stranded in your vehicle

• Uninsured Motorist Protection - because even though the law says auto insurance is mandatory, that doesn’t mean that everyone will have it.

• Keep in mind that you can’t buy insurance after you have an accident. Therefore, you should think carefully about the position you want to be in if you should ever be in an accident.

• This means you should try to think of your auto insurance as a shield. Then imagine someone else driving their car right into that shield. Will it hold?

• Our main job is to make sure your shield can withstand as much damage as possible for the most reasonable cost. That means you won’t have to pay out of pocket for repairs or expenses, but it also means making sure your assets and income are protected in case you’re at fault and there’s a lawsuit.

• That means, we’ll show you all of your protection options, recommend the right limits and make sure you receive every discount you’re entitled to (such as cars with daytime running lights; better yet, bundling other types of insurance with the same carrier).

• And that’s just one reason you should consider talking to a real person at Firefighter Insurance Services, instead of a telephone salesperson working for a cartoon reptile.