Auto insurance protects you against financial loss in the event of an accident or theft. Your insurance company agrees to pay your losses as outlined in your policy in exchange for your paying a premium. Every time you drive your car, you are at risk of getting into an accident. HH Insurance has your back with auto insurance at low rates:
The Basics of Auto Insurance
Auto insurance provides coverage for property, liability, and medical, including the cost of treating injuries, rehabilitation, and sometimes lost wages and funeral expenses. Coverages are priced individually to let you customize the amounts to suit your needs. Liability insurance is the only required coverage in most states. It pays for damage to other cars, objects, other drivers’ and their passengers’ injuries, and lawsuits if someone were to sue you because of an accident.
HH Insurance helps make your premium affordable by considering the following discounts:
- Safe driver: no (or few) accidents
- Mature driver: more years behind the wheel makes you less likely to have an accident
- Accident forgiveness: protects your driving record from being affected
We also consider low annual mileage, safety-rated vehicles, hybrid vehicles, advance quoting, and being a good student.
Who Is Covered?
When it comes to auto insurance, your policy will cover you and any other family members on your policy, whether driving your car or someone else’s (with their permission). You will also be covered if someone who is not on your policy is driving your car with your permission. Personal auto policies only cover personal driving, so you will not be covered if you use your car for commercial purposes or ride-sharing services.
To cover your own car, consider optional coverages such as collision, comprehensive, and glass coverage. Collision coverage will reimburse you for damage to your car resulting from a collision with another vehicle or object when you are at fault. Comprehensive coverage protects you against theft and damage caused by incidents other than collisions, like a fire, flood, or falling trees. Glass coverage provides coverage from windshield damage.
With HH Insurance, you will get the best auto insurance for your needs at the lowest rates you can find. We will help you identify your personal liability needs to keep your property protected. Contact us today!