Auto Insurance
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Shopping for Automobile Insurance?
For most of us, our automobile is not only one of our most expensive purchases, it is vital to every aspect of our lifestyle. Auto Insurance Coverage from Brunswick Companies protects both your asset and your ability to get where you need to go. We couple exceptional customer service with over 35 years of insurance risk and claims management experience to provide customized insurance solutions for our clients.
Brunswick Companies offers Automobile Insurance Policies from a wide range of carriers, which allows us to simplify your insurance shopping experience. Our personal lines specialists will listen to your needs, explain the scope of insurance protection you require and recommend a program that best meets your expectations and financial goals.
Why do I need Auto Insurance?
In most states, drivers are required to maintain certain minimum levels of automobile insurance, which may include:
- Liability coverage to pay for losses you cause others; or
- No-fault coverage to pay you and/or your passengers for medical and related expenses caused by injuries from a car accident, regardless of fault; or
- Both coverages.
Even in states where coverage is not required, the law requires that drivers be able to pay for losses they may cause others. Having insurance is the simplest way for most people to comply.
Also, insurance coverage for vehicle damage is often a requirement to finance a car.
Auto insurance coverage includes:
- Collision Coverage, which pays for damage to your vehicle caused by a collision with another car, when you are "at fault." A standard collision automobile insurance policy will pay for repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It's the amount you pay toward repairs before your collision insurance kicks in. The higher the deductible you are willing to pay, the less the collision policy will cost.
- Comprehensive Coverage, which covers auto damages caused by any unknown party or causes such as fire, storms, theft, hail, vandalism or many other events. Comprehensive coverage will most often pay up to the fair market value of your car (less your insurance deductible).
- Bodily Injury Liability, which protects against a claim or lawsuit if others are injured in an auto accident for which you or your family are considered legally responsible .
- Property Damage Liability protects against a claim or lawsuit for any damage you may cause by an auto accident to someone else's automobile or property.
- Medical Payments for reasonable medical expenses, or certain other expenses resulting from an auto accident, for you and your passengers.
- Uninsured / Underinsured Motorist coverage for injuries resulting from a hit-and-run accident or caused by a driver who is uninsured or underinsured.
Additional Protection: Automobile Insurance Coverage Options
- Rental Reimbursement covers the expense of a rental car while your vehicle is being repaired or replaced.
- Towing and Labor for a disabled vehicle.
- Lease Gap Coverage
- Agreed-value coverage for Collector Cars and Fine Automobiles. Plan features include no deductible, high limits for comprehensive, collision and liability (up to $50,000), choice of body shop, no mileage restrictions, loss of use, coverage for newly acquired vehicles and off-premises coverage.
Auto Insurance Discounts
In addition to competitive rates that recognize customer differences, Brunswick Companies offers policies with a variety of features that may further reduce your premiums, including:
- Multiple vehicle
- Good Driver
- Hybrid Auto
- Driver Training
- Good Student
- Savings for vehicles with passive restraints, airbags, anti-lock brakes
- Certain anti-theft devices
- Bundle auto policy with another policy, such as homeowners
Be An Informed Consumer: Read Brunswick Companies' Additional Information on Auto Insurance